----------------------------------------------------------------------------- ----------------------------------------------------------------------------- CODEBOOK FOR 1989 SCF CROSS-SECTION ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Survey of Consumer Finances Board of Governors of the Federal Reserve System Mail Stop 153 Washington, DC 20551 ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- To: Users of the 1989 SCF Cross-Section Data From: Arthur Kennickell, SCF Project Director Date: September 20, 1999 ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- This codebook serves as the authoritative guide to the variables included on the public use version of the 1989 SCF cross-section dataset. However, not every variable included in this codebook is actually in the public use dataset. A list of the variables included is given at the end of this documentation. For a general overview of the findings of the 1989 SCF, see Arthur B. Kennickell and Janice Shack-Marquez, "Changes in Family Finances from 1983 to 1989: Evidence from the Survey of Consumer Finances," Federal Reserve Bulletin, January 1992. The full public dataset consists of three files in addition to this codebook file. The first is the main dataset, which contains most of the survey variables (a 258 megabyte file in its fully expanded form, and 3.7 megabytes in the zipped SAS transport version of the file available here). The second is the questionnaire. The third is a file of replicate weights for use in variance estimation as described below (42 megabytes in its fully expanded form, and 19.9 megabytes in the zipped SAS transport version of the file available here). The public use version of the 1989 SCF cross-section is a SAS dataset of 258 megabytes. Unlike the case of our earlier SCFs, there are not separate files of "raw" and "cleaned" data. Rather, virtually every missing variable in the dataset has been imputed and every variable has a "shadow" variable that describes 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 for purposes of disclosure avoidance. 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 main data values are stored using variable names corresponding to the numbers given in the codebook below and having a prefix of "X." The shadow variables have the same numbers, but with a prefix of "J." A list of the values of the shadow variables follows: 0 = value reported on original tape (includes values reported in the questionnaire that were alered during editing). 1 = question is inapplicable (e.g., R has no checking account so value of checking account is coded as zero -- NOTE: zero is a legitimate value for X-variables only for this value of the associated J-variable). 2 = evidence from problem sheets that data moved from another location, but no evidence that value was altered, or data moved. 3 = evidence from problem sheets that data moved from another location, and evidence that value was somehow altered based on margin notes or other information. 4 = evidence that data imputed from marginal notes. 5 = 83/86 value brought forward. 8 = recode of survey variables, no missing values in antecedents. 9 = recode of survey variables, insufficient data collected to compute value, but not imputed. 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 = inapplicable given hard-code decision (13,15). 15 = hard-coded imputation determined during cleaning. 16 = override of reported 89 data with 86 data. 17 = override of reported 89 data with 83 data. 18 = other panel override of reported data (combination of 16 & 17, logical consistency, misc. intuition). 19 = imputation of missing 89 data using 86 data. 20 = imputation of missing 89 data using 83 data. 24 = range card response A: $1 to $500. 25 = range card response B: $501 to $1,000. 26 = range card response C: $1,001 to $2,500. 27 = range card response D: $2,501 to $10,000. 28 = range card response E: $10,001 to $50,000. 29 = range card response F: $50,001 to $250,000. 30 = range card response G: $250,001 to $1,000,000. 31 = range card response H: $1,000,001 to $10,000,000. 32 = range card response I: $10,000,001 to $100,000,000. 33 = range card response J: more than $100,000,000. 34 = range card response < 0 A: -$1 to -$500. 35 = range card response < 0 B: -$501 to -$1,000. 36 = range card response < 0 C: -$10,01 to -$2,500. 37 = range card response < 0 D: -$2,500 to -$10,000. 38 = range card response < 0 E: -$10,001 to -$50,000. 39 = range card response < 0 F: -$50,001 to -$250,000. 40 = range card response < 0 G: -$250,001 to -$1,000,000. 41 = range card response < 0 H: -$1,000,001 to -$10,000,000. 42 = range card response < 0 I: -$10,000,001 to -$100,000,000. 43 = range card response < 0 J: less than -$100,000,000. 44 = value < 0, amount DK 45 = value < 0, amount NA 49 = variable imputed during editing from margin notes, reimputed. 50 = original response was DK. 51 = 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 higer-order questions. 52 = 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. 53 = refused (available only for aggregate income, income range questions, whether filed tax return, and AGI: T3/4/7b/7d). 54 = some, DK how many (see B6). 79 = data missing becaue of questionnaire error, or data not collected 80 = recode variable, missing because data not collected for a sub-group, data to be imputed. 81 = recode variable, some, but not all components originally missing. 82 = recode variable, all components originally missing. 88 = for property value, only assessed value given. 98 = override of reported information (e.g., R says has 1 IRA, but 2 institution types reported) -- value set to missing. 99 = used for absent spouse for J104 or J105 when X104 OR X105 < 0. 100 = Value set to missing while problem with case is being resolved (temporary code). 183 = demographic and employment recodes for panel and panel/cross-section cases: only 83 data missing. 184 = employment recodes for panel and panel/cross-section cases: 83 and 86 data missing. 185 = demographic and employment recodes for panel and panel/cross-section cases: 83 and 89 data missing. 186 = demographic, marital history, and employment recodes for panel and panel/cross-section cases: only 86 data missing. 187 = demographic, marital history, and employment recodes for panel and panel/cross-section cases: 86 and 89 data missing. 188 = marital history and employment recodes for panel and panel/cross-section cases: 83,86 and 89 data missing. 189 = demographic, marital history, and employment recodes for panel and panel/cross-section cases: only 89 data missing. 200 = marital history variable set to missing due to irreconcilable inconsistencies between 1986 and 1989 data. The imputations of missing values provided here are the result of the sixth iteration of a large model described in a paper I gave at the annual ASA meetings in 1991 ("Imputation of the 1989 Survey of Consumer Finances: Multiple Imputation and Stochastic Relaxation). A copy of the paper is available upon request. In this dataset, values have been MULTIPLY-IMPUTED. The imputations are stored as complete replicates of each case. In the release, there are 5 copies of each survey observation. Thus, the sum of the weights will be equal five times the number of families in the U.S. in 1989. Users should be careful to make appropriate degrees of freedom adjustments in any calculations they make using these data. For an overview of the theory of multiple imputation and the analysis of multiply-imputed data, see MULTIPLE IMPUTATION FOR NONRESONSE IN SURVEYS by Donald B. Rubin, John Wiley and Sons, 1987. In this codebook, many variables have been grouped in a way different from the way that they were originally asked (e.g., lines of credit for homeowners and non-homeowners were originally asked separately -- as noted in the codebook below, these responses have been merged in a single set of variables). With the exception of a few variables (e.g., marital history), 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 questionanaire (available separately) for a precise guide to where and how the underlying questions were asked. Note that there are no summary variables (e.g., net worth) in the public version of the dataset. The dataset contains several sets of nonresponse-adjusted sampling weights. X42001 is the weight strongly recommended for the analysis of the data for most purposes. This variable 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 93.0 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. Weights X40125 and X40131 have also been included in this release for historical reasons. These weights are partially design-based weights (see Heeringa, Conner and Woodburn [1994] "The 1989 Surveys of Consumer Finances: Sample Design and Weighting Documentation") that were originally released with the data. The weight X40125 is the preliminary SRC design-based weight used in the report on the SCF by Janice Shack-Marquez and me in the January 1992 issue of the Federal Reserve Bulletin. This weight was superceded by X40131. 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. For a variety of reasons connected with disclosure limitation, it is not possible to give users the details about the SCF sample design that they would need to compute reasonable estimates of sampling variance by standard means. During the construction of X40202, a small set of replicate weights was created to use for variance estimation. Because it was difficult at that time to compute such weights, only eleven such replicates were computed. Until this release, these replicate weights have not been included with the dataset. They are included here largely for historical documentation. In a separate file, available with the main dataset, we have included a set of replicate weights computed using the same algorithm as was used for 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. 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 X42000. 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 1992 and 1995 SCFs. Unlike earlier releases of the dataset, this one includes all cross-section cases and most important dollar variables. However, the data reported 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, 300 cases were identified for more extensive treatment. Some of these cases were selected on the basis of extreme or unusual data values. Others of the 300 cases were selected at random. For each of the 300 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. 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. We have spent many hours searching for errors in the data. Many inconsistencies are actually in the raw data and seem to have no obvious reconcilliation (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 inconsistencies. It is likely that some users will have trouble dealing with 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 do not have extensive 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. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- CODEBOOK 1989 Survey of Consumer Finances IMPORTANT NOTE: Not all variables listed below appear in the public use dataset -- see list of included variables at the end of this file. IMPORTANT NOTE: For the public use dataset, all dollar amounts $1 to $999 and -$1 to -$999 are rounded to the nearest 10. Values larger in abolute value than $999 are rounded to the nearest 1000. Values of less than negative 1 million are truncated at -1000000. ----------------------------------------------------------------------------- MISC. CONTROL FILE DATA AND WEIGHTS ----------------------------------------------------------------------------- 40202 FRB model-based weight (Included for historical reasons only) Replicate weights and multiplicity factor corresponding to X40202 (Included for historical reasons only) 80201 Multiplicity of boostrap replicate weight #1 80202 Multiplicity of boostrap replicate weight #2 80203 Multiplicity of boostrap replicate weight #3 80204 Multiplicity of boostrap replicate weight #4 80205 Multiplicity of boostrap replicate weight #5 80206 Multiplicity of boostrap replicate weight #6 80207 Multiplicity of boostrap replicate weight #7 80208 Multiplicity of boostrap replicate weight #8 80209 Multiplicity of boostrap replicate weight #9 80210 Multiplicity of boostrap replicate weight #10 80211 Multiplicity of boostrap replicate weight #11 (Included for historical reasons only) 80101 Bootstrap replicate weight #1 for model-based weight 80102 Bootstrap replicate weight #2 for model-based weight 80103 Bootstrap replicate weight #3 for model-based weight 80104 Bootstrap replicate weight #4 for model-based weight 80105 Bootstrap replicate weight #5 for model-based weight 80106 Bootstrap replicate weight #6 for model-based weight 80107 Bootstrap replicate weight #7 for model-based weight 80108 Bootstrap replicate weight #8 for model-based weight 80109 Bootstrap replicate weight #9 for model-based weight 80110 Bootstrap replicate weight #10 for model-based weight 80111 Bootstrap replicate weight #11 for model-based weight 40125 Preliminary SRC design-based weight used in Jan 1992 FRB Bulletin article (included for historical reasons only) 40131 Final SRC design-based weight (S1 series) 40137 Final SRC design-based weight (S2 series) -- not on this release 40133 Area-probability weight for 1983 part of overlapping panel-cross-section sample. 40134 Area-probability weight for 1989 part of overlapping panel-cross-section sample. 40135 Area-probability weight for merged 1983 and 1989 parts of overlapping panel-cross-section sample. 42000 Final FRB weight: designed to be consistent with the weights for later SCFs. 42001 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 1989 SCF data for which weights are appropriate. Replicate weights corresponding to X42001 As noted in the introduction, there is a separate file which contains multiplicity factors and replicate weights corresponding to X42001 for use in estimating sampling variances. 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. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- XX1 Original case ID (4-digit) -- identical for all 5 imputation replicates Case ID's for New X Section 0001-2000 Case ID's for Panel Sample 2001 - X Section only Iw's 3001 - Panel and X Section 4001 - Panel only Iw 1 New ID number -- XX1*10 + imputation replicate number (1-5) 2 1. IWER ID No. (4-digit) .N NA 3 3. Start Date of IW--MONTH (*Month 6-12=1989, 1-5=1990) Code MONTH If only one date is .N NA given, code it as the start date and code zero's for end date. 4 3. Start Date of IW--DAY Code DAY .N NA 8095 R Start date of IW--YEAR Code YEAR 5 3. End Date of IW--MONTH Code MONTH .N NA 0. Only one date given 6 3. End Date of IW--DAY Code DAY .N NA 0. Only one data given 7 4. Length of IW Code MINUTES .N NA 8 6. Mode of Interview 1. Face-to-Face (include New X Section) 2. Telephone 9 Precode for List Sample (from Field Office list) 1. Yes, "SPEC" precoded on facesheet 5. Not in Special Sample 10 SAMPLE ID (8 digit) All 0 for new Cross Section sample (Iw's 001-1999) For Panel Sample (2001, 3001, 4001 series), see HOUSEHOLD LISTING UPDATE SHEET 40078 CENSUS REGION 40080 U.S CENSUS DIVISION 40081 MSA STATUS INDICATOR 1 SMA 2 Non-MSA 40082 TYPE OF PSU 1 Major metropolitan area (self-representing PSU) 2 Other metropolitan area (other PSU) 3 Non-MSA 40083 U.S. CENSUS REGION 1. Northeast 2. North central 3. South 4. West 30098 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) 30099 State where PSU is located Standard two-character code 40084 WEALTH STRATUM FOR LIST CASES 40090 1987 WEALTH INDEX 8188 CSAMP (SOI stratum code) 8189 AGICAT (SOI stratum code) Variables available only for cases with cross-section representation: NOTE: NONE OF THE 30000 SERIES VARIABLES ARE AVAILABLE IN THE PUBLIC USE DATASET 30001 SAMPLE ID# 30002 PSU# SELF-REPRESENTING PSU 1 New York, NY 2 Los Angeles, CA 3 Chicago, IL 4 Philadelphia, PA 5 Detroit, MI 6 San Francisco, CA 7 Washington, DC 8 Dallas-Ft. Worth, TX 9 Houston, TX 10 Boston, MA 11 Nassau-Suffolk, NY 12 St. Louis, MO 13 Pittsburgh, PA 14 Baltimore, MD 15 Minneapolis, MN 16 Atlanta, GA NONSELF-REPRESENTING PSU, SMSA 17 Buffalo, NY 18 Newark, NJ 19 Albany, NY 20 Providence, RI 21 New Haven, CT 22 Harrisburg, PA 23 Atlantic City, NJ 24 Manchester, NH 25 Cleveland, OH 26 Milwaukee, WI 27 Dayton, OH 28 Kansas City, MO 29 Des Moines, IA 30 Columbus, OH 31 Grand Rapids, MI 32 Fort Wayne, IN 33 Steubenville, OH 34 Saginaw, MI 35 Madison, WI 36 Birmingham, AL 37 Charleston, SC 38 Jackson, MS 39 Columbus, GA 40 Miami, FL 41 Tampa, FL 42 Jacksonville, FL 43 Lakeland, FL 44 McAllen, TX 45 Waco, TX 46 Johnson City, TN 47 Wheeling, WV 48 Oklahoma City, OK 49 Knoxville, TN 50 Richmond, VA 51 Charlotte, NC 52 San Diego, CA 53 Seattle, WA 54 Portland, OR 55 Denver, CO 56 Anaheim, CA 57 Riverside, CA 58 Fresno, CA 59 Eugene, OR 60 Phoenix, AZ 61 Provo, UT NONSELF-REPRESENTING PSU, NON-SMSA 62 Lawrence Co., PA 63 Schuyler Co., NY 64 Gardner, MA 65 Sanilac, MI 66 Starke, IN 67 Ramsey, ND 68 Phillips Co., KS 69 La Salle, IL 70 Mower, MN 71 Cape Girardeau, MO 72 Crenshaw, AL 73 Bulloch, GA 74 Vernon Pr., LA 75 Citrus Co., FL 76 Hale Co., TX 77 Monroe Co., AR 78 Bedford Co., TN 79 Nicholas Co., KY 80 Montgomery Co., VA 81 Robeson Co., NC 82 El Dorado, CA 83 Alamosa, CO 84 Carbon Co., WY 30003 SEGMENT# 30004 LINE# 30005 HU# 30006 NEW SAMPLE LINE? IS THIS EITHER A NEW SAMPLE LINE DISCOVERED DURING THE UPDATING PROCESS OR A PREVIOUSLY UNLISTED HU AT AN ALREADY LISTED ADDRESS? 0 No 1 Yes 30008 FIELD AREA CODE 30009 REPLICATE GROUP 30011 LIST SAMPLE CODE 30013 INITIAL INTERVIEWER 30014 INTERVIEWER OF RECORD 30015 RC INDICATOR Refusal Conversion Indicator 1 Refusal Conversion Situation 0 Not a Refusal Conversion Situation 30016 OTHER IWER OTHER INTERVIEWER (involved in RC situation) If final result is an interview, the other interviewer is the interviewer who obtained the initial refusal. If the final result is not an interview, the other interviewer is the interviewer who attempted to convert the initial refusal. 0000 Not a Refusal Conversion Situation 30017 VERIFICATION INDICATOR 0 Not Flagged for Verification 1 Flagged for Verification 30018 PROBLEM CODE 01 Interviewer Error 02 Not an Interviewer Error 00 INAP., not a problem 30019 IWER TO WHOM PROB SENT 0000 INAP., not a problem 30020 DATE PROBLEM SENT 30021 RESOLUTION INDICATOR 0NO.PROB 1RESOLVED PROBLEM RESOLUTION INDICATOR Problem not yet resolved or INAP., not a problem 30022 DATE RESOLUTION RETURNED 30023 CASE# 0001 Interview Series Start 5001 NonInterview Series Start 7001 NonSample Series Start 30024 RECEIPT DATE 30025 RECEIPT MONTH 01 January 02 February 08 August 09 September 10 October 11 November 12 December 99 NA 00 INAP., Coversheet never sent out 30026 RECEIPT DAY 99 NA 00 INAP., Coversheet never sent out 30027 INTERVIEWERS IW# âQ.4ã 999 NA 000 INAP., not an interview 30028 INTERVIEW DATE INTERVIEW DATE (OR DATE OF FINAL CALL IF NOT AN IW) Q.5 or Q.10 30029 INTERVIEW MONTH 06 June 07 July 08 August 09 September 10 October 11 November 12 December 99 NA 00 INAP., no calls made 30030 INTERVIEW DAY 99 NA 00 INAP., no calls made 30031 LENGTH OF IW LENGTH OF INTERVIEW Q.6 999 NA 000 INAP., not an interview 30032 LENGTH OF EDIT Q.7 999 NA 000 INAP., not an interview 30033 PERSUATION LETTER? 1 YES 5 NO PERSUATION LETTER REQUESTED? Q.8 1 Yes 5 No 9 NA 30034 TOTAL CALLS (CALL# OF FINAL CALL) Q.9 99 NA 30035 NUMBER OF HUS AT LISTED ADDRESS Q.12 9 NA 30036 RESULT CODE 01 Interview: Complete 05 Interview: Partial 51 Refusal: By R (REF-R) 52 Refusal: By someone other than R (REF-O) 53 Refusal: Before HU listed (REF-U) 55 Refusal: Returned postcard 62 NI: No Contact (NOC) 63 NI: Permanent condition (NIP) 65 NI: Moved out of range 67 NI: Other reason (NIO) 69 NI: Unable to locate R (LOST) 71 NS: House Vacant (HV) 72 NS: Seasonal Vacant (SV) or Seasonal Occupants Residence Elsewhere (SORE) 73 NS: Occupants in Residence Elsewhere (ORE) 81 NS: Sample Listing Isn't Proper (SLIP) 83 NS: Vacant Trailer Space (VTS) 91 NS: No Eligible Respondent (NER) 97 HELD: Received by Ann Arbor Office; Not logged 98 HELD: By Study Staff 99 HELD: By Ann Arbor Office 30037 R'S SEX Q.15b 1 Male 2 Female 9 NA 0 INAP., Not an occupied HU; NER 30038 R'S AGE Q.15c 99NA 00 INAP., Not an occupied HU; NER 30046 WAS RESPONDENT'S NAME OBTAINED? 1 Yes 5 No 9 NA 0 INAP., not an interview 30048 MAILING ADDRESS AT R2 IS: Q.R2 1 Identical to original sample label address 2 Corrected version of sample label address 3 Different from sample label address 4 Mailing address refused 9 NA 0 INAP., not an interview 30049 IF MAILING ADDRESS IS DIFFERENT FROM SAMPLE LABEL ADDRESS, WHAT IS THE MAILING ADDRESS? Q.R3 1 Mailing address 2 Address to which R is moving 3 Relative 4 Friend 5 Business 7 Other 9 NA 0 INAP., not an interview or mailing address not different from sample label address 30050 R'S TELEPHONE NUMBER OBTAINED? Q.R4 1 Yes 5 No, R has no phone 7 No, R refused to give it 9 NA 0 INAP., not an interview 30051 R'S PHONE NUMBER LISTED IN THE CURRENT TELEPHONE DIRECTORY? Q.R5 1 Yes, listed 5 No, not listed 8 Not sure, DK 9 NA 0 INAP., not an interview or phone number not obtained 30052 IS PHONE LISTED IN R'S NAME? Q.R5a 1 Yes 5 No 9 NA 0 INAP., not an interview or phone number not obtained or phone number not listed (or dk if is listed) in current directory 30053 DO YOU HAVE ANOTHER PLACE OF RESIDENCE OR SOMEWHERE ELSE YOU LIVE DURING DIFFERENT TIMES OF THE YEAR? âQ.R6ã 1 Yes 5 No 9 NA 0 INAP., not an interview 30054 WAS AN ADDRESS OF A CLOSE FRIEND OR RELATIVE OBTAINED? Q.R7 1 Yes 5 No 9 NA 0 INAP., not an interview 30060 LOG DATE 30061 #TRANSFERS 30062 TRANSFER IWER 30063 TRANSFER RESULT 30064 TRANSFER REPORT 30065 TRANSFER DATE 30066 TRANSFER LOG DATE Variables available only for cases with panel representation: NOTE: NONE OF THE 40000 SERIES VARIABLES ARE AVAILABLE IN THE PUBLIC USE DATASET 40001 ID# 40002 Respondent 1 Original Panel Member 2 '86 Splitoff 3 '89 Splitoff 0 Cross-Section Only 40003 1983 PSU 10. Baltimore, MD 20. Boston, MA 30. Chicago, IL 40. Cleveland, OH 50. Detroit, MI 60. Los Angeles, CA 70. Jersey City, NJ 80. New York, NY 90. Philadelphia, PA 100. Pittsburgh, PA 110. St. Louis, MO 120. San Francisco, CA 130. Washington, DC 150. Acadia Co., LA 190. Bridgeport, CT 200 Charelston, WV 220. Columbia, SC 240. Currituck Co., NC 280. Flint, MI 290. Franklin Co., NB 310. Hamilton-Middletown, OH 320. Hancock Co., OH 330. Harris Co., TX 340. Indianapolis, IN 350. Knox Co., OH 360. Logan Co., IL 370. Little Rock, AR 380. Logan Co., CO 390. Louisville, KY 400. Lowndes Co., GA 410. Miami, FL 480. Phoenix, AZ 560. Sarasota, FL 570. Seattle, WA 590. Simpson Co., MS 610. Snyder Co., PA 620. Stoddard Co., MO 650. Trenton, NJ 660. Visalla-Tulane-Porterville, CA 680. Ulster Co., NY 690. Vallejo-Fairfield-Napa, CA 700. Watauga Co., NC 710. Waterloo-Cedar Falls, IA 740. Worcester, MA 40004 '83 SEGMENT 40005 '83 LINE 40006 FIELD AREA CODE 40007 Coversheet Color 1 Green 2 Yellow 3 Pink 4 White 40008 Strata 01 1983 Area Sample R Age 22-44 02 1983 Area Sample R Age 45+ 03 1983 Area Sample R Less than 22 years - Not Panel 04 1983 Area Sample R - Not Panel due to Item MData 05 1983 Area Sample Refusal 06 1983 Area Sample NonInterview 07 1983 Area Sample NonSample 08 1983 List Sample Age 22-44 09 1983 List Sample Age 45+ 11 1986 Splitoff 00 1989 Cross-Section only 40009 SEGMENT SUBSAMPLE 0 Area Sample: Not in Segment Subsample 1 Area Sample: Included in Segment Subsample 9 List Sample 40010 SAMPLE TYPE 1 List Sample (Panel Only) 2 Area Sample (Potential Panel/Cross-Section) 3 Area Sample (Cross-Section Only) 40011 '86 MOVE CODE 1 Yes, moved 5 No, didn't move 0 Not interviewed in '86 40012 TRACKING CODE 1 Track Respondent only 2 Track Respondent and '83 Spouse 3 Do not track 4 Cross-Section Only 5 See Tracking Memo (Special instructions for selected splitoff pairs) different housing units 40013 '83 CASE# 40014 '83 RESULT 40015 '86 CASE# 40016 '86 RESULT 40017 '86 MARITAL STATUS 1 Married in '83; no spouse in '86 2 Not married in '83; married in '86 3 Married in both '83 and '86 - same spouse 4 Married in both '83 and '86 - different spouse 5 Not married in either '83 or '86 6 Married in '83; not interviewed in '86 7 Not married in '83; not interviewed in '86 9 NA 0 Cross-Section Only 40018 SPLIT-OFF INDICATOR 0 Only R in sample 1 R and '83 spouse in sample independently 40019 INITIAL MODE INDICATOR 1 Face-to-face 2 Telephone 0 Cross-Section Only 40021 INITIAL IWER 40022 IWER OF RECORD 40023 Refusal Conversion Indicator 40024 Other Interviewer (involved in RC situation) 40025 VERIFICATION INDICATOR 40026 PROBLEM CODE 40027 Interviewer to whom problem sent 40028 DATE PROBLEM SENT 40029 Problem resolution indicator 40030 DATE RESOLUTION RETURNED 40031 '89 CASE# 2001 Cross-section only Interview series start (1983 address, new people) 3001 Panel/Cross-section Interview series start (1983 address, 1983 people) 4001 Panel only Interview series start (new address, old people / 1983 list cases) 5001 Cross-section only NonInterview series start 6001 Panel/Cross-section NonInterview series start 7001 Panel only NonInterview series start 8001 Cross-section only NonSample series start 9001 Panel/Cross-section NonSample series start 9501 Panel only NonSample series start 40032 SAMPLE GROUP 1 Cross-section only (at '83 sample address but not '83 R or spouse) 2 Panel/Cross-section ('83 R or spouse still at '83 sample address) 3 Panel Only ('83 R or spouse not at '83 sample address) 40033 RECEIPT DATE 40034 RECEIPT MONTH 99 NA 40035 RECEIPT DAY Receipt Day 99 NA 40036 IWER IW# 3. Interviewer's Iw# 999 NA 000 INAP., not an interview 40037 IW LENGTH 4. Length of Interview (in minutes) 999 NA 000 INAP., not an interview 40038 EDIT LENGTH 5. Length of Edit (in minutes) 999 NA 000 INAP., not an interview 40039 PERSUASION LETTER 6. Persuasion letter required? 1 Yes 5 No 9 NA 40040 TOTAL CALLS 7. Total calls (call # of final call) 99 NA 40041 FINAL RESULT DATE 8. Date of Final Result 40042 FINAL RESULT MONTH 8. Month of Final Result 99 NA 40043 FINAL RESULT DAY 8. Day of Final Result 99 NA 40044 RESULT 9. '89 Final Result Code 40045 INTERVIEW MODE 9a. Mode of Interview 1 Face-to-face 2 Telephone 9 NA 0 INAP., not an interview 40046 R THERE? 10. Does R live at HU? 1 Yes 5 No 9 NA 0 INAP., white (cross only)/pink (split-off) coversheet 40047 0R'S SPOUSE THERE? 10b. Does R's '83 spouse live at HU? 1 Yes 5 No 9 NA 0 INAP., white (cross only)/pink (split-off) coversheet; R not married in '83 40048 INFORMANT AT '83 ADDR? 11. Currently living at '83 sample address? 1 Yes, R living at '83 sample address 2 Yes, '83 spouse only living at '83 sample address 3 Yes, current resident living at '83 sample address (not R or '83 spouse) 5 No, HU not '83 sample address 9 NA 0 INAP., white (cross only)/pink (split-off) coversheet 40049 ADDITIONAL HUS 10. Number of additional HU's at '83 sample address. 9 NA 0 INAP., not a cross-section only coversheet 40050 SPLITOFF GENERATION? Has '83 spouse splitoff since last interview? 1 Yes 5 No 9 NA 0 INAP., cross-section only; not married in '83; splitoff prior to '86 iw. 40051 ADD HU SOURCE Additional HU generation source. 1 Green Panel/Cross-section coversheet (mover from '83 sample address - determined by iwer). 2 An HU structure added to Listing Sheet and selected for this study. 3 An added HU found at a listed and selected line. 4 Green Panel/Cross-section coversheet (mover from '83 sample address - determined prior to field period; panel R put on yellow coversheet and cross-section coversheet labeled. 0 INAP., not an additional cross-section coversheet 40070 LOG DATE 40071 TRANSFERS 40072 TRANSFER IWER 40073 TRANSFER RESULT 40074 TRANSFER REPORT 40075 TRANSFER DATE 40076 TRANSFER LOG DATE Variables for all types of cases unless otherwise indicated ----------------------------------------------------------------------------- HOUSEHOLD LISTING ----------------------------------------------------------------------------- 8000 R: Respondent and spouse variables reversed to male 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: 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 BY EDITORS FROM BEST INFORMATION AVAILABLE IN THE IW.) (IMPUTED AGE WAS BE USED IN CONVERSIONS OR CALCULATIONS INVOLVING AGE OF R/S.) Code age 100 ABSENT SPOUSE: Income, debts, assets 1. Included in Iw 5. Not included in Iw 0. Inap. (No absent spouse) 101 SUMMARY: # persons in 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. One year or less 128(#6) 0. Inap. (No further persons) 134(#7) 204(#8) 210(#9) For the public use dataset, all ages after X104 216(#10) (spouse's age), the ages are rounded to the nearest 5 years 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 (samplable 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. 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) 3. Child (18 and over) away at college part of year 136(#7) 4. Other adult living in this HU for part of each year 206(#8) 5. NO 212(#9) 0. Inap. (No further persons; person under 18) 218(#10) NOTE: in some cases, interviewers asked this 224(#11) question of people who were aged less than 18. 230(#12) It is important to note that because this question was not asked of everyone under 18, this distinction does not necessarily relect the true distribution of the population. HHL4. (ASK ABOUT ALL [related] ADULTS 22 YEARS AND OLDER EXCEPT RESPONDENT AND SPOUSE) Does (RELATIONSHIP) depend on you (and your [husband/wife]) 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; R (Unit #1) 119(#4) Col F should be 125(#5) 2. INDEPENDENT FINANCES--Unit #2 coded/edited 131(#6) 3. " " --Unit #3 for each indi- 137(#7) 4. " " --Unit #4 vidual listed. 207(#8) 5. " " --Unit #5 Codes 2-5 will 213(#9) 12. Absent spouse be edit in 219(#10) 0. Inap. (No further persons; person green 225(#11) under 22) 231(#12) NOTE: in some cases, interviewers asked this question of people who were aged less than 22. However, it is important to note that because this question was not asked of everyone under 22, this distinction does not necessarily reflect the true distribution of the population. ----------------------------------------------------------------------------- FINANCIAL INSTITUTIONS ----------------------------------------------------------------------------- 305 A5. The next few questions are about the financial institutions that you do business with. How many financial institutions do you (and your family living here) have accounts with or regularly do personal financial business with? Include banks, savings and loans, credit unions, loan companies, and brokerages. Do not include institutions where you have only a credit card account. Code NUMBER -1. NONE 306 A5k. Can you (or your family living here) deposit or withdraw money from (this institution/any of these institutions) using an automated teller machine or ATM? 1. YES 5. NO 0. Inap. (No institutions listed, no further institutions) 308(#1) A6. (About Institution #[1/2/3/4/5/6]), what kind of 312(#2) institution is this? (Is it a commercial bank, a savings 316(#3) and loan or savings bank, a credit union, a finance or 320(#4) loan company, a brokerage, or what?) 324(#5) 328(#6) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No institutions listed, no further institutions) For the public use dataset, different institution cells are collapsed for different variables. The SAS code that performs this collapsing is given after the master list below. 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 (not codeable above) 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. (83=K22b only; 89=N45 only) 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 61. Other membership organization: AAA; NEA; NTA (V415-418 only) 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 *************************************************************************** code to collapse institution cells *************************************************************************** ARRAY INST1 {*} X308 X312 X316 X320 X324 X328; DO I=1 TO DIM(INST1); IF (INST1{I}=15 OR INST1{I}=19 OR INST1{I}=32 OR INST1{I}=40) THEN DO; INST1{I}=-7; END; END; ARRAY INST2 {*} X415 X416 X417 X418; DO I=1 TO DIM(INST2); IF (INST2{I}=32 OR INST2{I}=92) THEN DO; INST2{I}=-7; END; END; ARRAY INST3 {*} X817 X917 X1017 X1046; DO I=1 TO DIM(INST3); IF (INST3{I}=13 OR INST3{I}=15 OR INST3{I}=32 OR INST3{I}=94) THEN DO; INST3{I}=-7; END; END; ARRAY INST4 {*} X1112 X1123 X1134; DO I=1 TO DIM(INST4); IF (INST4{I}=34) THEN DO; INST4{I}=-7; END; END; IF (X1217=13 OR X1217=27) THEN X1217=-7; ARRAY INST6 {*} X1728 X1828 X1928; DO I=1 TO DIM(INST6); IF (INST6{I}=13 OR INST6{I}=31 OR INST6{I}=32 OR INST6{I}=35 OR INST6{I}=94) THEN DO; INST6{I}=-7; END; END; ARRAY INST7 {*} X2220 X2320 X2420 X2521 X2621; DO I=1 TO DIM(INST7); IF (INST7{I}=18 OR INST7{I}=20 OR INST7{I}=39) THEN DO; INST7{I}=-7; END; END; ARRAY INST8 {*} X2725 X2742 X2825 X2842 X2925 X2942; DO I=1 TO DIM(INST8); IF (INST8{I}=20 OR INST8{I}=25 OR INST8{I}=42 OR INST8{I}=61 OR INST8{I}=93) THEN DO; INST8{I}=-7; END; END; ARRAY INST9 {*} X3505 X3509 X3513 X3517 X3521 X3525; DO I=1 TO DIM(INST9); IF (INST9{I}=25 OR INST9{I}=92) THEN DO; INST9{I}=-7; END; END; ARRAY INST10 {*} X3606 X3607 X3608 X3609 X3616 X3617 X3618 X3619 X3626 X3627 X3628 X3629; DO I=1 TO DIM(INST10); IF (INST10{I}=40 OR INST10{I}=93) THEN DO; INST10{I}=-7; END; END; ARRAY INST11 {*} X3705 X3710 X3715; DO I=1 TO DIM(INST11); IF (INST11{I}=61) THEN DO; INST11{I}=-7; END; END; ARRAY INST12 {*} X3722 X3723 X3724 X3725; DO I=1 TO DIM(INST12); IF (INST12{I}=17 OR INST12{I}=94) THEN DO; INST12{I}=-7; END; END; ARRAY INST13 {*} X3803 X3806 X3809 X3812 X3815; DO I=1 TO DIM(INST13); IF (INST13{I}=17 OR INST13{I}=92 OR INST13{I}=93) THEN DO; INST13{I}=-7; END; END; ARRAY INST15 {*} X3943 X3944 X3945 X3946; DO I=1 TO DIM(INST15); IF (INST15{I}=12 OR INST15{I}=31 OR INST15{I}=33 OR INST15{I}=34 OR INST15{I}=35 OR INST15{I}=61) THEN DO; INST15{I}=-7; END; END; *************************************************************************** 309(#1) A7. How (do you/does your family) typically do business with 313(#2) this institution (--by ATM, in person, by mail, by phone, 317(#3) or some other way)? (NOT ASKED IF NON-FINANCIAL INST.) 321(#4) 325(#5) 1. BY ATM 329(#6) 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 0. Inap. (No institutions listed, no further institutions) 310(#1) A8. Roughly, how many miles is the office or ATM of this 314(#2) institution from the home or workplace of the person who 318(#3) 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 -1. LESS THAN A MILE -7. LOCAL PHONE OR POST BOX 0. Inap. (No institutions listed, no further institutions) ----------------------------------------------------------------------------- CREDIT CARDS ----------------------------------------------------------------------------- 410 B5. Now I have some questions about credit cards. Do you (or anyone in your family living here) have any credit cards? 1. YES 5. NO TYPE: EXAMPLES #1: BANK-TYPE: Visa, Mastercard, Discover, Optima #2: STORE: Sears, K-Mart and other Dept. stores #3: GASOLINE: Gulf, Texaco #4: GENERAL PURPOSE: American Express, Diners Club, Carte Blanche #5: OTHER: Airline, Car Rental, or other 411 (#1) B6-A. How many different (TYPE) credit card accounts such 419 (#2) as (EXAMPLES) do you (and your family 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 0. Inap. (No credit cards) The number of credit cards is top-coded at 20. 412 (#1) B7-A. During the last month, roughly how much were the new 420 (#2) charges made to (this/all these) (TYPE) account(s)? 423 (#3) 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) (TYPE) 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) bank-type 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) 415 (#1a) B10. Please look at Card A. (Is this/are these) with any of 416 (#1b) the institution(s) on Card A, or from someplace else? 417 (#1c) (CHECK ALL THAT APPLY.) [IF CARD A: Which 418 (#1d) institution(s)?] [IF "SOMEPLACE ELSE": What type(s) of institution(s)?] Code up to 4 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 0. Inap. (No credit cards, no bank-type cards, no additional institutions) 432 B12. Thinking only about bank cards or 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) ----------------------------------------------------------------------------- PRINCIPAL RESIDENCE ----------------------------------------------------------------------------- 501 D1. INTERVIEWER CHECKPOINT 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? 1. YES 5. NO 0. Inap. (Does not live on a farm) 504 D3a. 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 D3b. How much rent do you collect each month?--$ AMOUNT Code actual amount -7. Other; non-cash rent 0. Inap. (Does not live on a farm, farm business, no rent) 506 D3b. PER 2. Week 3. Biweekly 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) 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 -7. OTHER 0. Inap. (Does not live on a farm, no farm business) R OWNS ENTIRE FARM 509 D5a. 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 D5b. How much rent do you (or your family living here) collect each month?--$ AMOUNT Code actual amount -7. Other; not-cash rent 0. Inap. (Does not live on a farm, no farm business, does not own entire farm, business does not pay rent) 511 D5b. PER 2. Week 3. Biweekly 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) 512 D5c. Could you tell me the present value of this house and the immediately surrounding land? I mean, about what would it bring if it were sold today? Code actual amount 0. Inap. (Does not live on a farm, no farm business, does not own entire farm) 513 D5d. I will ask you more about the business operation later. The rest of the questions in this section will refer to the entire property. Could you tell me the present value of this entire property--that is, what would it bring if it were sold today? Code actual amount 0. Inap. (Does not live on a farm, no farm business, does not own entire farm) FARM OWNED BY A BUSINESS 514 D5e. 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 D5f. 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 D5f. 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 D6a. How much rent do you (or your family living here) collect each month? Code actual amount -7. Other 0. Inap. (Does not live on a farm, no farm business, does not own part of farm, farm does not pay rent) 519 D6a. PER 2. Week 3. Biweekly 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, 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 D7a. How much rent do you (or your family living here) pay each month? Code actual amount -7. Other 0. Inap. (Does not live on a farm, no farm business, does not own part of farm, does not pay rent) 522 D7a. PER 2. Week 3. Biweekly 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) 524 D9. Do you (or anyone in your family living here) own this house and the immediately surrounding land? 1. YES 5. NO 0. Inap. (Does not live on a farm, no farm business, does not own part of farm) 525 D9a. Could you tell me the present value of just this house and lot? I mean, about what would it bring if it were sold today? Code actual amount 0. Inap. (Does not live on a farm, no farm business, does not own part of farm) 526 D10. Could you tell me the present value of the entire part of the property you own? I mean, what would it bring if it were sold today? 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 D11a. About how much rent do you pay on this home each month? Code actual amount -1. Nothing; zero -7. Other 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) 603 D11a. PER 2. Week 3. Biweekly 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 D11b. Could you tell me the present 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 D11c. In what month and year was this site purchased?--MONTH Code MONTH 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) 606 D11c. In what month and year was this site purchased?--YEAR Code YEAR 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) 607 D11d. How much did this site cost when it was purchased? Code actual amount 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) 608 D11d. GIFT/INHERITANCE 1. Checked 5. Not checked 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) R NEITHER OWNS NOR RENTS MOBILE HOME 609 D11e. 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 -7. Other 0. Inap. (Does not liven in mobile home, owns or rents mobile home) 610 D11f. 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 D11f. 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 -7. Other 0. Inap. (Does not liven in mobile home, other than owns only mobile home) 613 D12. PER 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Does not liven in mobile home, other than owns only mobile home) 614 D12a. Could you tell me the present 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 D12b. In what month and year was this mobile home purchased? --MONTH Code MONTH 0. Inap. (Does not liven in mobile home, other than owns only mobile home) 616 D12b. In what month and year was this mobile home purchased? --YEAR Code YEAR 0. Inap. (Does not liven in mobile home, other than owns only mobile home) 617 D12c. How much did this mobile home cost when it was purchased? Code actual amount 0. Inap. (Does not liven in mobile home, other than owns only mobile home) 618 D12c. GIFT/INHERITANCE 1. Checked 5. Not checked 0. Inap. (Does not liven 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 -7. Other 0. Inap. (Does not liven in mobile home, does not rent mobile home and site) 620 D13. PER 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Does not liven in mobile home, does not rent mobile home and site) 621 D13a. In what month and year did you move into this mobile home? --MONTH Code MONTH 0. Inap. (Does not liven in mobile home, does not rent mobile home and site) 622 D13a. In what month and year did you move into this mobile home? --YEAR Code YEAR 0. Inap. (Does not liven in mobile home, does not rent mobile home and site) R OWNS BOTH MOBILE HOME AND SITE 623 D14. Could you tell me the present 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 liven 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 D15a. In what month and year was this mobile home purchased? --MONTH Code MONTH 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 626 D15a. In what month and year was this mobile home purchased? --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 D15b. How much did the mobile home cost when it was purchased? Code actual amount 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 628 D15b. 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) 629 D15c. In what month and year was this site purchased?--MONTH Code MONTH 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 630 D15c. In what month and year was this site purchased?--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 D15d. How much did this site cost when it was purchased? Code actual amount 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 632 D15d. GIFT/INHERITANCE 1. Checked 5. Not checked 9. NA 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 633 D15e. In what month and year was this mobile home and site purchased?--MONTH Code MONTH 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased separately) 634 D15e. In what month and year was this mobile home and site purchased?--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 D15f. How much did the mobile home and site cost when they were purchased? Code actual amount 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased separately) 636 D15f. 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) 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. -7. NEITHER OWNS NOR RENTS 0. Inap. (Lives on farm run as business, lives in mobile home) 703 D16b. How much are your condo/co-op/townhouse association) 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 D16b. PER 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Lives on farm run as business, lives in mobile home, house not condo/co-op/townhouse) R NEITHER OWNS NOR RENTS 705 D16c. 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 -7. Other 0. Inap. (Lives on farm run as business, lives in mobile home, owns or rents house) 706 D16d. 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 D16d. 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) R PAYS RENT 708 D17. How much rent do you pay a month for this (house/ apartment/farm/ranch)? Code actual amount -2. Rental housing fully subsidized -1. Tenant farmer and rent not given in dollars 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 3. Biweekly 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 D17a. 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 D17b. 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 D17c. 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 D17c. 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. What is the present 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, RANCH, MOBILE HOME, AND SITE.) Code actual amount 0. Inap. (Lives on farm run as business, lives in mobile home, does not own house) 717 D20. How much did it cost when it was purchased? Code actual amount 0. Inap. (Lives on farm owned by a business, rents farm, lives in mobile home, does not own house) 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) 719 D21. In what month and year was it purchased?--MONTH Code MONTH 0. Inap. (Lives on farm owned by a business, rents farm, lives in mobile home, does not own house) 720 D21. In what month and year was it purchased?--YEAR Code YEAR 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 3. Biweekly 4. Month 5. Quarter 6. Year -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)? (IF R ASKS, 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.) 1. YES, 2ND MORTGAGE 2. YES, LAND CONTRACT 5. NO 0. Inap. (Not homeowner, no first loan) 931(3) D40a. 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 D24a. 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) -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? 728 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 -7. Other 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 was it obtained or last 1001(3) refinanced?--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 was it obtained or last 1002(3) refinanced?--YEAR Code YEAR 0. Inap. (Not homeowner, no loan, no further loans) 803(1) D27a. 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 was borrowed or refinanced? 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 were agreed 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 were agreed upon when the loan 907(2) was taken out or refinanced?--# PAYMENTS 1007(3) Code # PAYMENTS 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 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 -7. Other 0. Inap. (Not homeowner, no loan, no further loans, no set # payments) 810(1) D32. Do the payments include property taxes or 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) D33a. 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 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) D34a. When do you expect this loan to be repaid? 915(2) 1015(3) Code YEAR -1. NEVER; won't ever be repaid 0. Inap. (Not homeowner; no loan; no further loans; set number of payments and regular payments) 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 Card A. Is the loan with any of the 917(2) institutions on Card A, or from someplace else? (IF CARD 1017(3) A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) 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) 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. (RB, P. 1) What is the most important reason you chose this lender? (Was it because they were recommended to you, 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 services at one location 7. Low fees/service charges 8. Safety 9. Other convenience mentions: payroll deduction feature; "convenience"--NFS 11. Personal relationship; they know me; know/like them 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. No choice--mortgage sold/transferred -7. OTHER including combinations 0. Inap. (Not homeowner, no loan) 820(1) D39. (Not using the booklet) Is this an adjustable rate 920(2) (mortgage/loan); that is, does it have an interest rate 1020(3) that can rise or fall from time time? 1. YES 5. NO 0. Inap. (Not homeowner, no loan) 821(1) D39a. 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) D39b. 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 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.) -7. Other 0. Inap. (Not homeowner, no loan, not adjustable rate, rate doe not depend on another rate) 823(1) D39c. How often can your interest rate change? Code number of times 7. Seven times or more -7. Other 0. Inap. (Not homeowner, no loan, not adjustable rate) 824(1) D39c. PER 1. Once per 2 years 2. Once per 3 years 3. Once per 5 years 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only/in total -7. Other 0. Inap. (Not homeowner, no loan, not adjustable rate) 825(1) D39d. When the interest rate changes, will the size of your monthly payments change at the same time? 1. YES 5. NO 0. Inap. (Not homeowner, no loan, not adjustable rate) 826(1) D39e. 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) 827(1) D39f. 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) 828(1) D39g. What was the interest rate on this mortgage when you first got it? Code % to 2 decimal places 0. Inap. (Not homeowner, no loan, not adjustable rate) 829(1) D39m. 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; INFERRED FOR NON- HOMEOWNERS) Code # LINES OF CREDIT 0. Inap. (No lines of credit) 1302 D68a. Altogether, what is the maximum amount you could borrow on these lines of credit? (ASKED FOR NON-HOMEOWNERS; INFERRED FOR HOMEOWNERS) Code actual amount 0. Inap. (No lines of credit) 1303 D68b. Are you currently borrowing any money against such lines of credit? (ASKED OF NON-HOMEOWNERS; INFERRED FOR HOMEOWNERS) 1. YES 5. NO 0. Inap. (No lines of credit) 1308 D68d. How many such lines of credit are you currently borrowing against? ASKED OF NON-HOMEOWNERS; INFERRED FOR HOMEOWNERS) Code # LINES OF CREDIT (LOC) 0. Inap. (No lines of credit, not borrowing) 1103 (#1) D53a. 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 D53b. 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) 1105 D53c. Are you currently borrowing any money against this line of 1116 credit? (AKSED FOR HOMEOWNERS; INFERRED FOR NON-HOMEOWNERS) 1127 1. YES 5. NO 0. Inap. (No lines of credit, no further lines of credit) 1106 (#1a) D53d. What was the money used for? (What was its major use?) 1107 (#1b) (ASKED FOR HOMEOWNERS) 1117 (#2a) D70. What was the (largest/next) line of credit used for? 1118 (#2b) (What was its major purpose?) (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 D53e./D71. How much is currently owed? 1119 1130 Code actual amount 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 1109 D53f./D72. What is the typical payment and how often is it made? 1120 1131 Code actual amount -1. NO TYPICAL PAYMENTS 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 1110 D53f./D72. PER 1121 1132 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 1111 D53g./D73. What is the current annual rate of interest being 1122 charged on this loan? 1133 Code % 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 1112 D53h./D74. (Please look at Card A.) Is this line of credit with 1123 any of the institutions on Card A, or from someplace else? 1134 (IF CARD A: Which institution?) ???? (IF SOMEPLACE ELSE: What type of institution is that? (ASKED OF RESPONDENTS WHO WERE HOMEHOWNERS WHO WERE BORROWING ON LINE OF CREDIT) D68c. (Please look at Card A.) Are these lines of credit with any of the institutions on Card A, or from someplace else? (CHECK ALL THAT APPLY.) (IF CARD A: Which institutions?) (IF SOMEPLACE ELSE: What types of institutions are they? (ASKED OF NON-HOMEOWNERS WHO WERE NOT BORROWING ON ANY LINES OF CREDIT) 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 8096 (4th possibility at D68c) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 1136 D53m./D76. What is the total amount that you (and your family 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 D54a. 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 D67a. How much rent do you collect each month? Code actual amount -7. Other 0. Inap. (Not homeowner, lives on farm or ranch, no rent) 1225 D67a. PER 2. Week 3. Biweekly 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 E2a. 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 a note? 1604 1. LAND CONTRACT 2. MORTGAGE 3. NOTE 0. Inap. (Never sold real estate, no money still owed, no other loan) 1405 E4. How much are you (and your family) owed on this note? 1505 1605 Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is mortgage) 1406 E5. In what month and year was this (mortgage/land contract) 1506 taken out?--MONTH 1606 Code MONTH 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note) 1407 E5. In what month and year was this (mortgage/land contract) 1507 taken out?--YEAR 1607 Code YEAR 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note) 1408 E6. How much did (you/your family) lend the borrower? 1508 1608 Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note) 1409 E7. How much is still owed on this (mortgage/land contract)? 1509 1609 Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note) 1410 E8. How much are the (mortgage/land contract) payments and how 1510 often are they due? 1610 Code actual amount -1. NO REGULAR PAYMENTS 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note) 1411 E8. PER 1511 1611 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 9. NA 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note, no regular payments) 1412 E9. How many years or payments were agreed upon when the 1512 (mortgage/land contract) was taken out?--# YRS 1612 Code # YRS -1. NO SET NUMBER 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note, no regular payments) 1413 E9. How many years or payments were agreed upon when the 1513 (mortgage/land contract) was taken out?--# PAYMENTS 1613 Code # PAYMENTS 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note, no regular payments) 1414 E10. Will the regular payments pay off the (mortgage/land 1514 contract) completely or will there be a balance payable or 1614 "balloon" when the (mortgage/land contact) is due? 1. REPAY COMPLETELY 5. BALLOON 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note, no regular payments) 1415 E10a. What will the balance payable or balloon payment be? 1515 1615 Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note, no regular payments, no balloon) 1416 E11. Do you (or your family living here) still owe any money on 1516 loans for this property? 1616 1. YES 5. NO 0. Inap. (Never sold real estate, no money still owed, no other loan) 1417 E11a. How much do you still owe? 1517 1617 Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, nothing still owed) 1619 E13. About how much in total is owed to (you/your family) on the remaining notes, land contracts or mortgages? Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan) 1620 E13a. Do you (or your family here) still owe any money on loans for these other properties? 1. YES 5. NO 0. Inap. (Never sold real estate, no money still owed, no other loan) 1621 E13b. Altogether how much (do you/does your family) still owe? Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, nothing still owed) ----------------------------------------------------------------------------- OTHER REAL ESTATE ----------------------------------------------------------------------------- 1700 E14. Do you (or anyone in your family living here) own any (other) real estate such as a lot, vacation home, apartment building, commercial property, including properties owned in partnership with other people? (IF YES SAY: We do not want to include any property owned by a business that you have an interest in, or any limited partnerships.) 1. YES 5. NO 1701 E15. How many such properties do you (and your family living here) own or have an interest in? Code # PROPERTIES 0. Inap. (No property) 1702 E16. EDITOR PRECODE--BUSINESS/JOB CONNECTION 1802 1902 1. This property associated with Bus #1 at M5a 2. " " " " Bus #2 " " 3. " " " " Bus #3 " " 4. This property is associated with business listed at M5a, BUT it is a) a business beyond #3 (at M19a-c) or (b) associated with more than one M5a business or (c) NA which business 5. Property not associated with a business at M5a-M19c or a property at E2 6. This property is associated with R's main job (at R2 or R14) 7. This property is associated with S/P's main job (at S2 or S14) 0. Inap. (No property, no additional property) 1703 E16. (About the [largest/next] property..) What type of 1803 property is this? 1903 LOTS/LAND 10. Farm/ranch--any mention 11. Land only: lot, tract, acreage; building lots; "farmland" 12. Land and (seasonal) residence (exc. 14); "house + 50 acres" 13. Land and some other type of structure 14. Land and trailer/mobile home SEASONAL RESIDENCE 21. Seasonal/vacation house (winter/summer home; cottage; hunting cabin) 22. Trailer/Mobile home 25. Time-share ownership--any OTHER REAL ESTATE 40. One single family house 41. Multiple single family houses 42. Duplex; 2 unit residential 43. Triplex; 3 unit residential 44. Fourplex; 4 unit residential 45. 5 or more unit residential 46. "Apartment house"-NA # units; "rental" units or property--NFS 47. Other business/commercial property (exc. 41-46) 48. Business/commercial and residential combination 49. Condominium (include NA if own use or if one unit or a building) -7. Other, including combinations 0. Inap. (No property, no additional property) 1704 E17. Is this property owned by you (and your family living 1804 here), is it owned jointly with others, owned by a 1904 partnership, or what? 1. OWNED BY R 2. OWNED JOINTLY 3. PARTNERSHIP 4. REAL ESTATE INVEST TRUST 5. Limited partnership -7. OTHER including combinations 0. Inap. (No property, no additional property) 1705 E17a. What percentage of the property do you (and your family 1805 living here) own? 1905 (SET TO 10000 WHEN E17=1) Code PERCENT to 2 decimal places 10000. ALL 0. Inap. (No property, no additional property) NOTE: For timeshares, ownership is always taken as 100 percent. 1706 E18. How much in total is this property worth; I mean what 1806 would it bring if it were sold today? (WE WANT THE TOTAL 1906 VALUE NOT JUST R'S SHARE. FOR E18-E29, NOTE IF R ONLY KNOWS THEIR SHARE.) Code actual amount 0. Inap. (No property, no additional property) 1707 E19. In what month and year was the property acquired? (When 1807 did R acquire it?)--MONTH 1907 Code MONTH 0. Inap. (No property, no additional property) 1708 E19. In what month and year was the property acquired? (When 1808 did R acquire it?)--YEAR 1908 Code YEAR 0. Inap. (No property, no additional property) 1709 E20. What was the total purchase price? 1809 1909 Code actual amount 0. Inap. (No property, no additional property) 1710 E20. GIFT/INHERITANCE 1810 1910 1. Checked 5. Not checked 0. Inap. (No property, no additional property) 1711 E21. Are there any outstanding loans or mortgages on this 1811 property? 1911 1. YES 5. NO 0. Inap. (No property, no additional property) 1712 E22. In what month and year was the loan obtained or last 1812 refinanced?--MONTH 1912 Code MONTH 0. Inap. (No property, no additional property, no loan) 1713 E22. In what month and year was the loan obtained or last 1813 refinanced?--YEAR 1913 Code YEAR 0. Inap. (No property, no additional property, no loan) 1714 E23. How much was borrowed or refinanced? 1814 1914 Code actual amount 0. Inap. (No property, no additional property, no loan) 1715 E24. How much is still owed? 1815 1915 Code actual amount 0. Inap. (No property, no additional property, no loan) 1716 E25. How many years or number of payments were agreed upon when 1816 the loan was taken out?--# YEARS 1916 Code # YEARS -1. NO SET NUMBER 0. Inap. (No property, no additional property, no loan) 1717 E25. How many years or number of payments were agreed upon when 1817 the loan was taken out?--# PAYMENTS 1917 Code # PAYMENTS -1. NO SET NUMBER 0. Inap. (No property, no additional property, no loan) 9157 (1) R: Term of loan in months 9158 (2) 9159 (3) Code amount -1. NO SET NUMBER 0. Inap. (No property, no additional property, no loan) 1718 E26. How much are the payments and how often are they due? 1818 1918 Code actual amount -1. NO REGULAR PAYMENTS 0. Inap. (No property, no additional property, no loan, no set # or payments) 1719 E26. PER 1819 1919 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No property, no additional property, no loan, no set # or payments) 1720 E27. Do the payments include property taxes or insurance? 1820 (Which?) 1920 1. TAXES 2. INSURANCE 3. BOTH 4. NEITHER 0. Inap. (No property, no additional property, no loan, no set # or payments, no regular payments) 1721 E28. Will the regular payments repay the loan completely or 1821 will there be a balance payable, or "balloon" payment when 1921 the loan is due? 1. REPAY COMPLETELY 5. BALLOON 0. Inap. (No property, no additional property, no loan, no set # or payments, no regular payments) 1722 E28a. What will the balance due or balloon payment be? 1822 1922 Code actual amount 0. Inap. (No property, no additional property, no loan, no set # or payments, no regular payments, no balloon) 1723 E29. What is the typical payment and how often is it made? 1823 1923 Code actual amount -1. NO TYPICAL PAYMENTS 0. Inap. (No property; no additional property; no loan; number of payments not "NO SET #" and payments not "NO REGULAR PAYMENTS") 1724 E29. PER 1824 1924 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No property; no additional property; no loan; number of payments not "NO SET #" and payments not "NO REGULAR PAYMENTS") 1725 E30. When do you expect this loan to be repaid? 1825 1925 Code YEAR -1. NEVER; won't ever be repaid 0. Inap. (No property; no additional property; no loan; number of payments not "NO SET #" and payments not "NO REGULAR PAYMENTS") 1726 E31. What is the current annual interest rate being charged on 1826 the loan? 1926 Code % to 2 decimal places -1. Zero; no interest 0. Inap. (No property, no additional properties, no loan) 1727 E32. Does this loan have an adjustable rate; that is does it 1827 have an interest rate that can rise and fall from time to 1927 time? 1. YES 5. NO 0. Inap. (No property, no additional properties, no loan) 1728 E33. (Please look at Card A.) Is this loan with any of the 1828 institutions on Card A, or from someplace else? 1928 (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No property, no additional properties, no loan) 9099 (1) R: Type of institution 9100 (2) 9101 (3) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No property, no additional properties, no loan) 1729 E34. Did (you/your family living here) receive any income from 1829 this property in 1988? 1929 1. YES 5. NO 0. Inap. (No property, no additional properties) 1730 E34a. How much gross income did (you/your family) receive? 1830 1930 Code actual amount 0. Inap. (No property, no additional properties, no income) 2001 E36. About the remaining properties that you (and your family living here) own, are any of these vacation homes or land you use for recreational purposes? 1. YES 5. NO 0. Inap. (3 or fewer properties) 2002 E36a. How much in total is your (family's) share of these vacation homes or recreational property worth? Code actual amount 0. Inap. (3 or fewer properties, no recreational properties) 2003 E36b. What was your (family's) total purchase price for these properties? Code actual amount 0. Inap. (3 or fewer properties, no recreational properties) 2004 E36b. GIFT/INHERITANCE 1. Checked 5. Not checked 9. NA 0. Inap. (3 or fewer properties, no recreational properties) 2005 E36c. Are there any mortgages or loans outstanding against these vacation homes or recreational land? 1. YES 5. NO 0. Inap. (3 or fewer properties, no recreational properties) 2006 E36d. Altogether, about how much is owed on your (family's) share of these mortgages or loans? Code actual amount 0. Inap. (3 or fewer properties, no recreational properties, no mortgage) 2007 E36e. How much are the payments on these loans or mortgages and how often are they due? Code actual amount -1. NO REGULAR PAYMENT 0. Inap. (3 or fewer properties, no recreational properties, no mortgage) 2008 E36e. PER 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (3 or fewer properties, no recreational properties, no mortgage) 2009 E36f. Did you (or your family living here) receive any income in 1988 from renting out these vacation homes or recreational land? 1. YES 5. NO 0. Inap. (3 or fewer properties, no recreational properties) 2010 E36g. Altogether, how much gross income did (you/your family) receive? Code actual amount 0. Inap. (3 or fewer properties, no recreational properties, no rent) 2011 E36h. Are there any remaining properties you own that you have not told me details about? (ASKED DIRECTLY WHERE >=4 PROPERTIES AND E36=YES, INFERRED OTHERWISE FOR ALL HAVING >=4 PROPERTIES) 1. YES 5. NO 0. Inap. (3 or fewer properties) 2012 E37. For the remaining properties that you own, about how much in total is your (family's) share worth? I mean, what could you sell them for? Code actual amount -1. Nothing, almost nothing 0. Inap. (3 or fewer properties, no remaining properties) 2013 E37a. About how much was your (family's) total purchase price for these properties? Code actual amount -1. Nothing; zero 0. Inap. (3 or fewer properties, no remaining properties) 2014 E37a. GIFT/INHERITANCE 1. Checked 5. Not checked 0. Inap. (3 or fewer properties, no remaining properties) 2015 E37b. Are there mortgages or loans outstanding against these properties? 1. YES 5. NO 0. Inap. (3 or fewer properties, no remaining properties) 2016 E37c. Altogether, about how much is owed on your (family's) share of these mortgages or loans? Code actual amount 0. Inap. (3 or fewer properties, no remaining properties, no mortgage) 2017 E37d. How much are the payments on these loans or mortgages and how often are they due? Code actual amount -1. NO REGULAR PAYMENT 0. Inap. (3 or fewer properties, no remaining properties, no mortgage) 2018 E37d. PER 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (3 or fewer properties, no remaining properties, no mortgage) 2019 E37e. Did you (or your family living here) receive any income in 1988 from renting out any of these other properties? 1. YES 5. NO 0. Inap. (3 or fewer properties, no remaining properties) 2020 E37f. Altogether, how much gross income did (you/your family) receive in 1988? Code actual amount 0. Inap. (3 or fewer properties, no remaining properties, no rent) ----------------------------------------------------------------------------- VEHICLES ----------------------------------------------------------------------------- 2101 G1. Are you (or anyone in your family living here) currently leasing any cars or other vehicles? (IF YES, SAY: Do not include any vehicle that is leased by a business.) 1. YES 5. NO 2102 G2. Altogether, how many cars or other vehicles do you (and your family living here) lease?--VEHICLE #1 Code # LEASED VEHICLES 0. Inap. (No leased vehicle) 2103 G3. What make and model is the (newest/next) vehicle? 2110 Enter MAKE/MODEL as given by R up to 25 characters 0. Inap. (No leased vehicles) 2104 G4. What model year is it? 2111 Code YEAR 0. Inap. (No leased vehicles) 8163 (1) R: Value of vehicle 8164 (2) 2105 G5. How much are your monthly lease payments? 2112 Code $ amount -1. NONE 0. Inap. (No leased vehicles) 2106 G5. PER 2113 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No leased vehicles) 2107 G5a. How many years or months was the original lease? 2114 (YRS) Code YRS 0. Inap. (No leased vehicles) 2108 G5a. How many years or months was the original lease? 2115 (MOS) Code MOS 0. Inap. (No leased vehicles) 2117 G6a. Altogether, about how much per month are the lease payments on your other leased vehicle(s)? Code actual amount 0. Inap. (No leased vehicles) 2118 G6a. PER 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No leased vehicles) 2201 G7. Do you (or anyone in your family here) own any cars, or any kind of truck, van, or jeep-type vehicle? Do not include vehicles owned by a business. 1. YES 5. NO 2202 G7a. Altogether, how many such cars or other vehicles do you (and your family living here) own? Code # OWNED VEHICLES 0. Inap. (No owned vehicle) 2203 G8. What type of vehicle is (it/the newest/the next)--(a car, 2303 van, jeep, pickup, or what?) 2403 1. CAR 2. VAN 3. JEEP 4. PICKUP 5. Antique/classic/collector vehicle 6. Truck (except pickup) -7. OTHER 0. Inap. (No owned vehicle) 2204 G9. What make and model is it? (2-WORD ANSWER: MAKE AND MODEL) 2304 2404 Enter MAKE/MODEL as given by R up to 25 characters 0. Inap. (No owned vehicles) 2205 G10. What model year is it? 2305 2405 Code YEAR 0. Inap. (No owned vehicles) 8166 (1) R: Value of vehicle 8167 (2) 8168 (3) Code amount 0. Inap. (No owned vehicles) 2422 G23a. How much (is/are all) the other such vehicle(s) that you (and others in your family living here) own worth in today's prices? Code actual amount 0. Inap. (No owned vehicles) FOR LOANS ASSOCIATED WITH VEHICLES, SEE "CONSUMER LOANS" 2501 G24. Do you (or anyone in your family living here) have any (other) vehicles that are owned by a business but which you also use regularly for personal purposes? 1. YES 5. NO 2502 G24a. How many such vehicles do you (or someone in your family living here) regularly use? Code # BUSINESS VEHICLES 0. Inap. (No business vehicles) 2503 G25. Do you (or anyone in your family here) own any other vehicles such as a motorhome, RV, boat, or airplane? 1. YES 5. NO 2504 G25a. Altogether, how many of these other vehicles do you (and your family living here) own? Code # VEHICLES 0. Inap. (No other vehicle) 2505 G26. What type of vehicle is (it/the newest/the next)--(Is it a 2605 motorhome, RV, airplane, boat, or what?) 1. MOTORHOME (one piece that you drive) 2. RV (hauled by a car or truck); "trailer"--NA type; "travel trailer" 3. AIRPLANE 4. BOAT 11. Motorcycle; motor scooter 12. Snowmobile 13. Golf cart -7. OTHER 0. Inap. (No other vehicle) For the public use dataset, Motorhomes (1) and RVs (2) are combined in 1, and Boats (3) and Airplanes (4) are combined in 3. 2506 G27. About how much is this (TYPE OF VEHICLE) worth? 2606 Code actual amount 0. Inap. (No other vehicle) 2623 G39a. How much (is/are all) the other such vehicle(s) that you (and others in your family living here) own worth? Code actual amount 0. Inap. (No other vehicle) FOR LOANS ASSOCIATED WITH VEHICLES, SEE "CONSUMER LOANS" ----------------------------------------------------------------------------- CONSUMER LOANS ----------------------------------------------------------------------------- THIS SECTION CONTAINS LOANS ORIGINALLY ASKED IN SECTION D (OTHER LOANS FOR THE PURCHASE OF THE PRINCIPAL RESIDENCE -- LOANS 7 BELOW, HOME IMPROVEMENT LOANS -- LOANS 8 AND 9 BELOW), SECTION G (OWN VEHICLES -- LOANS 10 THROUGH 13 BELOW, OTHER VEHCICLES -- LOANS 14 THROUGH 16 BELOW), AND SECTION H (ALL CONSUMER LOANS -- LOANS 1 THROUGH 6 BELOW). NOTE: THERE MAY BE SOME DEVIATIONS FROM THE STRUCTURE OF INAPPLICABLE ANSWERS NOTED BELOW. IN CASES WHERE THE RESPONDENT DID NOT KNOW WHETHER THE TYPE OF LOAN WAS "REGULAR INSTALLMENT" OR DID NOT KNOW THE TERM OF THE LOAN, RESPONDENTS WERE ASKED ABOUT THEIR TYPICAL PAYMENTS AND WHEN THEY EXPECT THE LOAN TO BE REPAID. DATA WILL REMAIN IN THESE VARIABLES WHEN THE LOAN TYPE IS SUBSEQUENTLY IMPUTED TO BE "REGULAR INSTALLMENT" OR IN ALL CASES WHERE THE TERM WAS MISSING. WHILE THIS MAY CAUSE SOME CONFUSION, IT SEEMS THE BEST WAY OF PRESERVING THE ORIGINAL RESPONSES TO THE QUESIONNAIRE. H1. Not counting credit cards or loans you have already told me about, do you (and your family living here) owe any money on loans for: H1a. ..household appliances, furniture, or hobby or recreational equipment? H1b. ..loans for educational expenses or medical bills? H1c. ..loans from friends or relatives? H1d. ..any other loans? (IF R ASKS: INCLUDE CHECKING ACCOUNT OVERDRAFTS. DO NOT INCLUDE LIFE INS. POLICY LOANS.) 1. YES 5. NO H2a. FOR EACH "YES", ASK: How many such loans do you have? Code # 0. Inap. 2709 H3. IWER CHECKPOINT: ADD TOTAL NUMBER OF LOANS FROM H2a - H2d Code TOTAL # -1. NONE For the public use dataset, the number of loans in top-coded at 20. 2710(1a) H4. What was (this/the largest/the next) loan for?--LOAN #1 2711(1b) 2727(2a) 2728(2b) 2810(3a) 2811(3b) 2827(4a) 2828(4b) 2910(5a) 2911(5b) 2927(6a) 2928(6b) For the public use dataset, different loan purpose cells are collapsed for different variables. The SAS code that performs this collapsing is given after the master list below. LOAN PURPOSE MASTER CODE HOME PURCHASE, ADDITION OR REPAIR OF CURRENT RESIDENCE 01. Own home purchase 03. Home improvement or addition (incl. assessments for sewer/ sidewalk, etc.) 04. Home repairs/maintenance/upkeep CAR/HOUSEHOLD DURABLE GOODS 10. Car 11. Refrigerator 12. Stove/Range; microwave oven 13. Dishwasher 14. Freezer 15. Air conditioner 16. Washing machine (incl. washer/dryer combination) 17. Dryer 18. Furniture (excluding pianos and organs--see 34); lamps; mattress and spring combinations; rug and/or carpet; other household furnishings 20. Vacuum cleaners 23. Home computer; calculator; computer terminal 24. Truck/jeep/utility vehicle 25. Combination of appliances (incl. TV); "appliances"--NA type 26. Combination of furniture + appliances 29. Other appliances or durable goods; sewing machine; typewriter SMALL/INDOOR HOBBY OR ENTERTAINMENT GOODS 31. Stereo; phonograph (may include radio); include sound equipment, amplifiers here; radio (AM or FM); tuner; CB equipment; tape recorder, tape player (cassette or reel-to- reel); CD player 34. Piano; organ 35. Musical instruments (excluding pianos and organs) 36. TV--color or black and white; "home entertainment center" (incl. combination TV, radio, phonograph); video cassette recorder/player (VCR); video camera (Cam-corder) 49. Other small/indoor hobby or entertainment items (incl. pool tables and regular cameras) 50. Power tools and yard equipment OUTDOOR HOBBY AND RECREATION GOODS 61. Boat; boating equipment (including trailer) 63. Motorcycles; bicycle; moped; snowmobiles; off-road vehicles 65. Camper-trailers; "RV"--NFS 67. Cottage; vacation property; mobile homes--seasonal residence (if current residence, code 01); "motorhome"; "second home" 69. Other outdoor recreation items; horse SAVINGS AND INVESTMENTS High 71. Invest in Bus #1 (from Section M) Priority 72. " " Bus #2 " " " 73. " " Bus #3 " " " 74. Invest in own business, other than 71-73 or NA which or all 75. Business investment (own) (exc. 71-74), incl. businesses now defunct 76. Other asset investment; bought stocks/bonds; IRA deposit; gold; "investment" -- NFS 78. Investment real estate (incl. cemetery plots and additions and repairs to investment property); farmland (exc. 71-74); include businesses of self-employed R's who don't report a business in the M section 79. Other investments SPECIAL EXPENSES 81. Travel/vacation expenses 82. Medical/dental expenses; attorney's fees 83. Education/school expenses 84. Tax and insurance expenses (exc. vehicle, code 93) 85. Weddings/funerals 88. Moving expenses 89. Other special expenses; encyclopedia; health membership MISCELLANEOUS PERSONAL NEEDS 90. "Personal loan"--NA what for 91. Bill consolidation; "bills" 92. Personal items, incl. clothing, jewelry 93. Vehicle repair/upkeep (incl. insurance) 94. Gifts; goods or gifts of money; "Christmas" 95. Living/general expenses 96. Loans made to others; "loaned friend/son money for a house" -7. Other (incl. combinations) 0. Inap. (No loan) *************************************************************************** code to collapse loan purpose *************************************************************************** ARRAY LOAP1 {*} X1106 X1107 X1117 X1118 X1128 X1129; ARRAY LOAP2 {*} X2710 X2711 X2727 X2728 X2810 X2811 X2827 X2828 X2910 X2911 X2927 X2928; ARRAY LOAP3 {*} X5316 X5324 X5332 X5416 X5424 X5432; IF (X918=61 OR X918=67 OR X918=75 OR X918=76 OR X918=79 OR X918=81 OR X918=88 OR X918=94 OR X918=95) THEN X918=-7; IF (X1018=61 OR X1018=67 OR X1018=75 OR X1018=76 OR X1018=79 OR X1018=81 OR X1018=88 OR X1018=94 OR X1018=95) THEN X1018=-7; DO I=1 TO DIM(LOAP1); IF (LOAP1{I}=16 OR LOAP1{I}=17 OR LOAP1{I}=23 OR LOAP1{I}=49 OR LOAP1{I}=50 OR LOAP1{I}=61 OR LOAP1{I}=63 OR LOAP1{I}=82 OR LOAP1{I}=85 OR LOAP1{I}=88 OR LOAP1{I}=92) THEN LOAP1{I}=-7; END; DO I=1 TO DIM(LOAP2); IF (LOAP2{I}=13 OR LOAP2{I}=20 OR LOAP2{I}=26 OR LOAP2{I}=34 OR LOAP2{I}=35 OR LOAP2{I}=49 OR LOAP2{I}=61 OR LOAP2{I}=63 OR LOAP2{I}=65 OR LOAP2{I}=67 OR LOAP2{I}=69 OR LOAP2{I}=96) THEN LOAP2{I}=-7; END; DO I=1 TO DIM(LOAP3); IF (LOAP3{I}=11) THEN LOAP3{I}=2; END; *************************************************************************** 1032(7) D41. Do you (and your family living here) owe money on any (other) loans used for the purchase of this property, such as loans from relatives or the seller? (Please do not include any home equity lines of credit.) (OTHER LOANS FOR PURCHASE OF PRINCIPAL RESIDENCE) 1203(8) D54b. Other than what I have already recorded, do you (or your family living here) owe any money on loans taken out for these projects? (HOME IMPROVEMENT LOANS) 1218(9) D65. Do you owe money on more than one loan for home additions or improvements? (HOME IMPROVEMENT LOANS) 2206(10) G11. Not counting any loans I've already recorded, is any money 2306(11) still owed on loans for this (MAKE/MODEL)? 2406(12) (OWN VEHICLE GRID) 2423(13) G23b. Not counting loans I have already recorded, is any money still owed on loans for (this/these) vehicle(s)? (LOANS ON OWN VEHICLES BEYOND THE 3RD VEHICLE) 2507(14) G28. Not counting any loans I have already recorded, is any 2607(15) money still owed on loans for this (TYPE OF VEHICLE)? (OTHER VEHICLE GRID) 2624(16) G39b. Not counting loans I have already recorded, is any money still owed on loans for (this/these) vehicle(s)? (LOANS ON OTHER VEHICLES BEYOND THE 2ND VEHICLE) 1. YES 5. NO 0. Inap. (Not homeowner/no home improvements on current own home/only 3 or fewer own vehicles/ only 2 or fewer other vehicles) 2712(1) H5. In what month and year was this loan taken out?--MONTH 2729(2) 2812(3) 2829(4) 2912(5) 2929(6) 1033(7) D42. In what month and year was this loan taken out?--MONTH 1204(8) D55. In what month and year was the most recent such loan taken out?--MONTH 2207(10) G13. In what month and year was the loan taken out?--MONTH 2307(11) 2407(12) 2508(14) G29. In what month and year was the loan taken out?--MONTH 2608(15) (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code MONTH (01-12) 0. Inap. (No loan) 2713(1) H5. In what month and year was this loan taken out?--YEAR 2730(2) 2813(3) 2830(4) 2913(5) 2930(6) 1034(7) D42. In what month and year was this loan taken out?--YEAR 1205(8) D55. In what month and year was the most recent such loan taken out?--YEAR 2208(10) G13. In what month and year was the loan taken out?--YEAR 2308(11) 2408(12) 2509(14) G29. In what month and year was the loan taken out?--YEAR 2609(15) (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code YEAR (1949-1990) 0. Inap. (No loan) 2714(1) H6. How much was borrowed or financed, not counting the 2731(2) finance charges? 2814(3) 2831(4) 2914(5) 2931(6) 1035(7) D43. How much was borrowed, not including finance charges? 1206(8) D56. How much was borrowed, not including finance charges? 2209(10) G14. How much was borrowed or financed? 2309(11) 2409(12) 2510(14) G30. How much was borrowed or financed, not counting the 2610(15) finance charges? (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code actual amount 0. Inap. (No loan) 2715(1) H7. Is this a regular installment loan where you pay a fixed 2732(2) dollar amount each month for a fixed number of months 2815(3) until the loan is repaid, or some other kind? 2832(4) 2915(5) 2932(6) 1036(7) D44. Is this a regular installment loan where you pay a fixed dollar amount each month for a fixed number of months until the loan is repaid, or some other kind? 1207(8) D57. Is this a regular installment loan where you pay a fixed dollar amount each month for a fixed number of months until the loan is repaid, or some other kind? 2210(10) G15. Is this a regular installment loan where you pay a fixed 2310(11) dollar amount each month for a fixed number of months 2410(12) until the loan is repaid, or some other kind? 2511(14) G31. Is this a regular installment loan where you pay a fixed 2611(15) dollar amount each month for a fixed number of months until the loan is repaid, or some other kind? (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) 1. REGULAR INSTALLMENT 2. OTHER KIND 0. Inap. (No loan) 2716(1) H8. How many monthly payments or years were agreed upon when 2733(2) the loan was received?--# PAYMENTS 2816(3) 2833(4) 2916(5) 2933(6) 1037(7) D45. How many monthly payments or years were agreed upon when the loan was received?--# PAYMENTS 1208(8) D58. How many monthly payments or years were agreed upon when the loan was received?--# PAYMENTS 2211(10) G16. How many monthly payments or years were agreed upon when 2311(11) the loan was received?--# PAYMENTS 2411(12) 2512(14) G32. How many monthly payments or years were agreed upon when 2612(15) the loan was received?--# PAYMENTS (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code # PAYMENTS -1. NO SET # 0. Inap. (No loan, type of loan "OTHER KIND") 2717(1) H8. How many monthly payments or years were agreed upon when 2734(2) the loan was received?--# YEARS 2817(3) 2834(4) 2917(5) 2934(6) 1038(7) D45. How many monthly payments or years were agreed upon when the loan was received?--# YEARS 1209(8) D58. How many monthly payments or years were agreed upon when the loan was received?--# YEARS 2212(10) G16. How many monthly payments or years were agreed upon when 2312(11) the loan was received?--# YEARS 2412(12) 2513(14) G32. How many monthly payments or years were agreed upon when 2613(15) the loan was received?--# YEARS (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code # YEARS 0. Inap. (No loan, type of loan "OTHER KIND") 2718(1) H9. How much are the monthly payments? 2735(2) 2818(3) 2835(4) 2918(5) 2935(6) 1039(7) D46. How much are the monthly payments? 1210(8) D59. How much are the monthly payments? 1220(9) D65b. Altogether, how much are the monthly payments? 2213(10) G17. How much are the monthly payments? 2313(11) 2413(12) 2425(13) G23d. How much are the total monthly payments on (this/these) loans? 2514(14) G33. How much are the monthly payments? 2614(15) 2626(16) G39d. How much are the total monthly payments on (this/these) loan(s)? Code $ amount -1. NO REGULAR PAYMENTS 0. Inap. (No loan, type of loan "OTHER KIND," "NO SET # OF PAYMENTS) 1221(9) D65b. PER 2426(13) G23d. PER 2627(16) G39d. PER (NOTE: NOT ASKED FOR LOANS 1-8, 10-12, AND 14-15) 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No loan, type of loan "OTHER KIND," "NO SET # OF PAYMENTS) 2719(1) H10. What is the typical payment and how often is it made? 2736(2) 2819(3) 2836(4) 2919(5) 2936(6) 1040(7) D47. What is the typical payment, and how often is it made? 1211(8) D60. What is the typical payment, and how often is it made? 2214(10) G18. What is the typical payment and how often is it made? 2314(11) 2414(12) 2515(14) G34. What is the typical payment and how often is it made? 2615(15) (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code $ amount -1. NO TYPICAL PAYMENT; no payment being made -2. Not currently making payments 0. Inap. (No loan; loan "REGULAR INSTALLMENT;" number of payments not "NO SET #" and monthly payments not "NO REGULAR PAYMENTS") 2720(1) H10. PER 2737(2) 2820(3) 2837(4) 2920(5) 2937(6) 1041(7) D47. PER 1212(8) D60. PER 2215(10) G18. PER 2315(11) 2415(12) 2516(14) G34. PER 2616(15) (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No loan; loan "REGULAR INSTALLMENT;" number of payments not "NO SET #" and monthly payments not "NO REGULAR PAYMENTS") 2721(1) H11. In what month and year do you expect this loan to be 2738(2) repaid?--MONTH 2821(3) 2838(4) 2921(5) 2938(6) 1042(7) D48. In what month and year do you expect this loan to be repaid?--MONTH 1213(8) D61. In what month and year do you expect this loan to be repaid?--MONTH 2216(10) G19. In what month and year do you expect this loan to be 2316(11) repaid?--MONTH 2416(12) 2517(14) G35. In what month and year do you expect this loan to be 2617(15) repaid?--MONTH (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code MONTH 0. Inap. (No loan; loan "REGULAR INSTALLMENT;" number of payments not "NO SET #" and monthly payments not "NO REGULAR PAYMENTS") 2722(1) H11. In what month and year do you expect this loan to be 2739(2) repaid?--YEAR 2822(3) 2839(4) 2922(5) 2939(6) 1043(7) D48. In what month and year do you expect this loan to be repaid?--YEAR 1214(8) D61. In what month and year do you expect this loan to be repaid?--YEAR 2217(10) G19. In what month and year do you expect this loan to be 2317(11) repaid?--YEAR 2417(12) 2518(14) G35. In what month and year do you expect this loan to be 2618(15) repaid?--YEAR (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code YEAR -1. NEVER; won't ever be repaid 0. Inap. (No loan; loan "REGULAR INSTALLMENT;" number of payments not "NO SET #" and monthly payments not "NO REGULAR PAYMENTS") 2723(1) H12. How much is still owed on this loan? 2740(2) 2823(3) 2840(4) 2923(5) 2940(6) 1044(7) D49. How much is still owed on this loan? 1215(8) D62. How much is still owed on this loan? 1219(9) D65a. Altogether, how much is still owed on other loans for additions or improvements? 2218(10) G20. How much is still owed on this loan? 2318(11) 2418(12) 2424(13) G23c. Altogether, about how much is still owed on (this/these) loan(s)? (ACCEPT RANGE.) 2519(14) G36. How much is still owed on this loan? 2619(15) 2625(16) G39c. Altogether, about how much is still owed on (this/these) loan(s)? (ASKED DIRECTLY FOR CASES WITH "OTHER KIND" OF LOAN, FOR CASES WITH NO SET # OF PAYMENTS, AND FOR CASES WITH NO REGULAR MONTHLY PAYMENTS; COMPUTED FOR ALL OTHER CASED USING TERMS OF LOAN) Code actual amount 0. Inap. (No loan) 2724(1) H13. What is the current annual rate of interest being charged 2741(2) on this loan? 2824(3) 2841(4) 2924(5) 2941(6) 1045(7) D50. What is the current annual rate of interest being charged on this loan? 1216(8) D63. What is the current annual rate of interest being charged on this loan? 2219(10) G21. What is the current annual rate of interest being charged 2319(11) on this loan? 2419(12) 2520(14) G37. What is the current annual rate of interest being charged 2620(15) on this loan? (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code % to 2 decimal places -1. Zero; no interest 0. Inap. (No loan) 2725(1) H14. (Please look at Card A.) Is this loan with any of the 2742(2) institutions on Card A,or from someplace else? 2825(3) (IF CARD A: Which institution?) 2842(4) (IF SOMEPLACE ELSE: What type of institution is that?) 2925(5) 2942(6) 1046(7) D51. Please look at Card A. Is the loan with any of the institutions on Card A, or from someplace else? (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) 1217(8) D64. (Please look at Card A.) Is the loan with any of the institutions on Card A, or from someplace else? (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) 2220(10) G22. (Please look at Card A.) Is the loan with any of the 2320(11) institutions on Card A, or from someplace else? 2420(12) (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) 2521(14) G38. (Please look at Card A.) Is the loan with any of the 2621(15) institutions on Card A, or from someplace else? (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No loan) 9107(1) R: Type of institution 9108(2) 9109(3) 9110(4) 9111(5) 9112(6) 9086(7) R: Type of institution 9090(8) R: Type of institution 9102 (10) R: Type of institution 9103 (11) 9104 (12) 9105 (14) R: Type of institution 9106 (15) (NOTE: NOT AVAILABLE FOR LOANS 9, 13, AND 16) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No loan) ----------------------------------------------------------------------------- BUSINESSES ----------------------------------------------------------------------------- 3103 M3. Do you (and your family living here) own or share ownership in any privately-held businesses, farms, professional practices or partnerships? (SEE INSTRUCTION IN BOX ABOVE.) (asked of Rs who do not operate farm/ranch business, inferred for others) 1. YES 5. NO 3104 M4. Do you (or anyone in your family living here) have an active management role in any of these businesses? (INCLUDE THE GENERAL PARTNERS IN A LIMITED PARTNERSHIP, BUT NOT THE LIMITED PARTNERS.) (asked of Rs who do not operate farm/ranch business, inferred for others with businesses) 1. YES 5. NO 0. Inap. (No businesses) M2. (Not using the booklet.) Including your (farm/ranch) business here, in how many (farms/ranches), privately-held businesses, professional practices or partnerships do you (or your family living here) own or share ownership in and have an active management role? (INCLUDE THE GENERAL PARTNERS IN A LIMITED PARTNERSHIP, BUT NOT THE LIMITED PARTNERS.) (asked of Rs who operate farm/ranch business) M2a. READ THE FOLLOWING: I will ask you first about your (farm/ranch) business. RECORD # OF BUSINESSES (FROM M2) IN BOX M5 AT TOP OF NEXT PAGE, THEN GO TO M5a 3105 M4a. In how many businesses do you (or anyone in your family living here) have an active management role? (asked of Rs who do not operate farm/ranch business) Code # BUSINESSES 0. Inap. (No businesses, no businesses with active management role) For the public use dataset, the number of such businesses is top-coded at 10. 3107 M5a. What kind of business is (it/the largest business/the next 3207 business) -- that is, what does the business make or do? 3307 1. Farm; nursery; train dogs; forest management; agricultural services; landscaping 2. Restaurant; bar 3. Auto repair; car wash 4. Direct sales: Amway; Avon; Mary Kay; Tupperware; Stanley Home products 5. Contracting; construction services; plastering; painting; plumbing 6. Real estate; insurance 7. Professional practice, incl. law, medicine, architecture; accounting; bookkeeping 8. Beauty shop; barber shop 9. Manufacturing, incl. printing/publishing; oil field services 10. Gas station 11. Food/liquor store 12. Other retail and/or wholesale business (exc. 2, 4, 10,11) 13. Trucking; moving and storage; warehousing 14. Repair services (exc. auto, code 3): appliances, TV, upholstery, furniture, shoes 15. Personal services (exc. beauty shop, code 8): hotel, dry cleaners, funeral home 16. Entertainment services, incl. dance studio, drive-in theatre 17. Business management and consulting services 18. Other business services (exc. 17): advertising, equipment rental, computer programming, auctioneering, pest control 19. Banks and brokerage firms; mortgage/finance company 20. Communications; (cable) TV or radio stations -7. Other, incl. businesses operated outside U.S. 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3108 M6. How did you (or your family living here) acquire this 3208 business; was it bought or invested in, started by you, 3308 inherited, given to you, or what? 1. BOUGHT/INVEST 2. STARTED 3. INHERITED 4. GIVEN 5. Joined/became partner -7. OTHER 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3109 M7. When you invested did you (or anyone in your family living 3209 here) intend to make day-to-day decisions and work at 3309 least 5 hours per week in the business? 1. YES 5. NO 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3110 M8. In what year did you (start/acquire) the business? 3210 3310 Code YEAR 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3111 M9. How many employees does it have including you (and members 3211 of your family)? 3311 Code # EMPL -1. No one working in business; business is about to be sold 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) For the public use dataset, the number of employees is top-coded at 2500. M9b. Which members of your family living here work in the business? (Asked for R does not live alone, inferred for R lives alone) 3113 M9b. A. R 3213 3313 3114 M9b. B. SPOUSE 3214 3314 3115 M9b. C. ADULT CHILD 3215 3315 3116 M9b. D. OTHER ADULT IN HH 3216 3316 3117 M9b. E. OTHER--Person(s) under 18 in HH 3217 3317 1. Checked 5. Not checked 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3118 M9c. (Other than you [and your husband/wife]), how many hours 3218 does the (other/most involved) family member work in this 3318 business in a normal week? Code HRS 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role, no one in family living there other than respondent and spouse works for business) 3119 M9d. Is it a partnership, a sole proprietorship, a subchapter S 3219 corporation, another type of corporation, or what? 3319 1. PARTNERSHIP 2. SOLE PROPRIETORSHIP 3. SUBCHAPTER S 4. OTHER CORPORATION -7. OTHER 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3120 M10. Are you (or your family living here) using personal assets 3220 as collateral or did you have to cosign or guarantee any 3320 loans for this business? 1. YES 5. NO 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3121 M10a. How much is guaranteed or collateralized? 3221 3321 Code actual amount 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role, no cosigned loans or loan guarantees) 3122 M10b. Did I record this earlier? 3222 3322 1. YES 5. NO 8. DK 9. NA 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role, no cosigned loans or loan guarantees) 3123 M11. (Other than guarantees,) does the business owe you (or 3223 your family living here) any money? 3323 1. YES 5. NO 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3124 M11a. How much is owed? 3224 3324 Code actual amount 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role, business does not owe R money) 3125 M12. Do you (or your family living here) owe the business any 3225 money? 3325 1. YES 5. NO 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3126 M12a. How much do you owe? 3226 3326 Code actual amount 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role, R and family do not owe business money) 3127 M12b. Did I record this earlier? 3227 3327 1. YES 5. NO 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role, R and family do not owe business money) 3128 M13. What percentage of the business do you (and your family 3228 living here) own? 3328 Code PERCENT to 2 decimal places 10000. ALL 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3129 M14. What could you sell it for? (What is your share worth?) 3229 3329 Code actual amount -1. NOTHING 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3130 M15. If you sold the business now, what would be the cost basis 3230 for tax purposes of this share? (What was your original 3330 investment?) Code actual amount -1. NOTHING 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3131 M16. What were the gross receipts or gross sales of the 3231 business as a whole in 1988? 3331 Code actual amount -1. NONE 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3132 M17. What was the business's total net income before taxes in 3232 1988? 3332 Code actual amount -1. NONE 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3133 M18. What is the total book value of all owners' or 3233 shareholders' equity in this business? 3333 Code actual amount -1. NONE 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3335 M19a. For the remaining business(es) you (and your family living here) own and actively manage, what could you sell your share for? (What is your share worth?) Code actual amount -1. NOTHING 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3336 M19b. If you sold (these businesses/this business) now, what would be the cost basis for tax purposes of your share? (What was your original investment?) Code actual amount -1. NOTHING 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3337 M19c. What was the total net income you (and your family living here) received from (these businesses/this business) in 1988? Code actual amount -1. NONE 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3401 M20. Do you (or anyone in your family living here) own or have an interest in any other businesses or partnerships where you do not have an active management role? (Asked if R has business with managment interest, inferred for others with businesses) 1. YES 5. NO 0. Inap. (No businesses) 3402 M20a. How many of these (other) businesses or partnerships do you (and your family living here) own or share ownership in? Code NUMBER 0. Inap. (No businesses, no businesses without management role) #1: Limited partnerships #2: Other partnerships #3: S-corporations #4: Other corporations #5: Sole proprietorships #6: Other types 3407(#1) M20b. Is it a sole-proprietorship, a limited partnership, 3411(#2) another type of partnership, a Subchapter S-corporation, 3415(#3) another type of corporation, or what? (ASKED IF 3419(#4) ONLY ONE BUSINESS) 3423(#5) M21. (I need to know what type of businesses these are.) Are 3427(#6) any of them (TYPE: Limited Partnerships, Other Partnerships, S-Corporations, Sole Proprietorships, Other Types)? (ASKED IF MORE THAN ONE BUSINESS) 1. YES 5. NO 0. Inap. (No businesses, no businesses without management role no TYPE businesses with active management role) 3408(#1) M20c. What could you sell your (family's) share for? (What is 3412(#2) it worth?) (ASKED IF ONLY ONE BUSINESS) 3416(#3) M22a. What could you sell your (family's) share of all these 3420(#4) (TYPE) for? (What is it worth?) (ASKED IF MORE 3424(#5) THAN ONE BUSINESS) 3428(#6) Code actual amount -1. Nothing; zero -2. LOSS; negative amount 0. Inap. (No businesses, no businesses without management role no TYPE businesses with active management role) 3409(#1) M20d. If you sold this (business/partnership) now, what would be 3413(#2) the cost basis for tax purposes? (What was your original 3417(#3) investment?) (ASKED IF ONLY ONE BUSINESS) 3421(#4) M23a. If you sold these (TYPE) now, what would be the cost basis 3425(#5) for tax purposes of these shares? (What was your original 3429(#6) investment?) (ASKED IF MORE THAN ONE BUSINESS) Code actual amount -1. Nothing; zero -2. LOSS; negative amount 0. Inap. (No businesses, no businesses without management role no TYPE businesses with active management role) 3410(#1) M20e. What was the total net income you (and your family living 3414(#2) here) received from this (business/partnership) in 1988? 3418(#3) (ASKED IF ONLY ONE BUSINESS) 3422(#4) M24a. What was the total net income you (and your family living 3426(#5) here) received from all such (TYPE) in 1988? (ASKED 3430(#6) IF MORE THAN ONE BUSINESS) Code actual amount -1. Nothing; zero 0. Inap. (No businesses, no businesses without management role no TYPE businesses with active management role) ----------------------------------------------------------------------------- FINANCIAL AND OTHER ASSETS, MISC. ----------------------------------------------------------------------------- 3501 N1. Now I'd like to ask about different types of assets that you might have. First, do you (or anyone in your family living here) have any checking accounts? 1. YES 5. NO 3502 N2. Have you (or anyone in your family living here) ever had a checking account? 1. YES 5. NO 0. Inap. (R has checking account) 3503 N2a. (RB, P. 10) Looking at this list, please tell me which is the most important reason (you don't/your family doesn't) have a checking account. 1. DON'T WRITE ENOUGH CHECKS TO MAKE IT WORTHWHILE 2. MINIMUM BALANCE IS TOO HIGH 3. DO NOT LIKE DEALING WITH BANKS 4. SERVICE CHARGES ARE TOO HIGH 5. NO BANK HAS CONVENIENT HOURS OR LOCATION 95. Don't have (enough) money 96. Can't manage/balance a checking account -7. OTHER 0. Inap. (R has checking account) 3504 N3. (Not using the booklet.) How many checking accounts do you (and your family living here) have? (IF R ASKS: INCLUDE MONEY MARKET ACCOUNTS WITH CHECK- WRITING PRIVILEGES ONLY IF THEY ARE AT BANKS, SAVINGS AND LOANS, OR CREDIT UNIONS) Code # ACCOUNTS 0. Inap. (No checking accounts) For the public use dataset, the number of checking accounts is top-coded at 20. 3505(#1) N4. (Please look at Card A.) (Thinking about your main 3509(#2) checking account, the one used to write most of your 3513(#3) checks, / About the next account) is this account with any 3517(#4) of the institutions on Card A, or from someplace else? 3521(#5) (IF CARD A: Which institution?) 3525(#6) (IF SOMEPLACE ELSE: What type of institution is that?) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No checking accounts, no further checking accounts) 9113 (1) R: Type of institution 9114 (2) 9115 (3) 9116 (4) 9117 (5) 9118 (6) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No checking accounts, no further checking accounts) 3506(#1) N5. How much is in this account? (What was the average over 3510(#2) the last month?) 3514(#3) 3518(#4) Code actual amount 3522(#5) -1. Nothing; zero 3526(#6) 0. Inap. (No checking accounts, no further checking accounts) 3507(#1) N6. Is this a money market-type account? 3511(#2) 3515(#3) 1. YES 3519(#4) 5. NO 3523(#5) 0. Inap. (No checking accounts, no further 3527(#6) checking accounts) 3529 N8. How much is in all your (family's) remaining checking accounts? (What was the average over the last month?) Code actual amount 0. Inap. (No checking accounts, no further checking accounts) 3530 N9. (RB, P. 11) Which of the reasons on this page is the most important reason (you/your family living here) chose the institution that you did for your main checking account? (Was it because of the location of their offices, because they had the lowest fees or minimum balance requirement, because you were able to obtain many services at one place, because they offered safety and an absence of risk, or some other reason?) 1. Recommended 2. Low interest rate 3. LOCATION OF OFFICES 4. Other business done here 5. Easy to qualify (for credit); only place that would give us a loan 6. MANY SERVICES IN ONE PLACE 7. LOW FEES or service charges; they pay interest on account(s) 8. SAFETY 9. Other convenience mentions: payroll deduction feature; "convenience"--NFS 11. Personal relationship; they know me; know/like them; R/Spouse works there -7. OTHER 0. Inap. (No checking accounts) 3531 N9a. (Not using the booklet.) For how many years (have you/has someone in your family living here) done business with this institution? Code YEARS -1. LESS THAN ONE YEAR 0. Inap. (No checking accounts) 3601 N10. Do you (or anyone in your family here) have any Individual Retirement Accounts, that is, IRA or Keogh accounts? 1. YES 5. NO #1: Respondent #2: Spouse #3: Other family members N10a. Who has IRA or Keogh accounts? 3602 N10a. RESPONDENT 3612 N10a. SPOUSE ACCOUNTS 3622 N10a. OTHER PERSONS 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) 3603 N11. How many IRA and Keogh accounts does (PERSON) have? 3613 3623 Code # ACCTS 0. Inap. (No IRA or Keogh accounts, PERSON has no IRA or Keogh accounts) For the public use dataset, the number of accounts is top-coded at 20. N12. About (PERSON'S) accounts (are these/is this an) IRA or Keogh account(s)? (CHECK ALL THAT APPLY.) 3604 N12A. IRA 3614 3624 1. Checked (IRA) 2. IRA/SEP (volunteered) 5. Not checked 0. Inap. (No IRA or Keogh accounts, PERSON has no IRA or Keogh accounts) 3605 N12B. KEOGH 3615 3625 1. Checked 5. Not checked 0. Inap. (No IRA or Keogh accounts, PERSON has no IRA or Keogh accounts) 3606 (#1a) N13. (Please look at Card A.) (Is this/Are they) with any of 3607 (#1b) the institutions on Card A, or from someplace else? (CHECK 3608 (#1c) ALL THAT APPLY.) 3609 (#1d) (IF CARD A: Which institution(s)?) 3616 (#2a) (IF SOMEPLACE ELSE: What type(s) of institution(s)? 3617 (#2b) 3618 (#2c) See FINANCIAL INSTITUTIONS master reference list 3619 (#2d) 0. Inap. (No IRA or Keogh accounts, PERSON has no 3626 (#3a) IRA or Keogh accounts) 3627 (#3b) 3628 (#3c) 3629 (#3d) 9119 (#1a) R: Type of institution 9120 (#1b) 9121 (#1c) 9122 (#1d) 9123 (#2a) 9124 (#2b) 9125 (#2c) 9126 (#2d) 9127 (#3a) 9128 (#3b) 9129 (#3c) 9130 (#3d) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No IRA or Keogh accounts, PERSON has no IRA or Keogh accounts) 3610 N14. How much in total is in (PERSON'S) account(s)? 3620 3630 Code actual amount 0. Inap. (No IRA or Keogh accounts, PERSON has no IRA or Keogh accounts) 3631 N15. How is the money in (this/all of your [family's]) IRA and Keogh account(s) invested? Is most of it in CDs or other bank accounts, most of it in stocks, most of it in bonds or similar assets, or what? 1. CD'S/BANK ACCOUNTS; "money market" 2. STOCK; "mutual funds" 3. BONDS/SIMILAR ASSETS; T-bills; Treasury notes 4. Combination of 1, 2, and 3; "mixed"/"diversified"--NFS 5. Combination of 2 & 3 above 6. Combination of 1 & 2 above -7. OTHER (incl. combinations exc. 5 & 6 above) 0. Inap. (No IRA or Keogh accounts) 3701 N16. Not including any accounts I have already recorded, do you (or anyone in your family here) have any money market accounts? 1. YES 5. NO 3702 N16a. Altogether, how many money market accounts do you (and your family living here) have? Code # OF MONEY MARKET ACCOUNTS 0. Inap. (No money market accounts) 3703(#1) N17. Does the (largest/next) account have check-writing 3708(#2) privileges? 3713(#3) 1. YES 5. NO 0. Inap. (No money market accounts, no further money market accounts) 3704(#1) N18. Is this a tax-free money market account? 3709(#2) 3714(#3) 1. YES 5. NO 0. Inap. (No money market accounts, no further money market accounts) 3705(#1) N19. (Please look at Card A.) Is this account with any of the 3710(#2) institutions on Card A, or from someplace else? 3715(#3) (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No money market accounts, no further money market accounts) 9131 (1) R: Type of institution 9132 (2) 9133 (3) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No money market accounts, no further money market accounts) 3706(#1) N20. How much is in this account? 3711(#2) 3716(#3) Code actual amount -1. Zero; none now 0. Inap. (No money market accounts, no further money market accounts) 3718 N21a. How much is in all your (family's) remaining money market accounts? Code actual amount 0. Inap. (No money market accounts, no further money market accounts) 3719 N22. Do you (or anyone in your family here) have any CD's or certificates of deposit at financial institutions? (IF YES, SAY: Please do not include CD's that are part of IRAs or Keoghs.) (IF R ASKS: CD'S ARE CERTIFICATES HELD FOR A SET PERIOD OF TIME THAT MUST BE CASHED OR RENEWED AT THE MATURITY DATE.) 1. YES 5. NO 3720 N22a. Altogether, how many such CD's do you (and your family living here) have? Code # CERTIFICATES 0. Inap. (No CDs) 3721 N22b. What is the total dollar value of (this/all these) CD's? Code actual amount 0. Inap. (No CDs) 3722 N22c. (Please look at Card A.) (Is this/Are these) CD's with any 3723 of the institutions on Card A, or from someplace else? 3724 (CHECK ALL THAT APPLY) 3725 (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No CDs, no further institutions) 9134 (1) R: Type of institution 9135 (2) 9136 (3) 9137 (4) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No CDs, no further institutions) 3801 N23. Do you (or anyone in your family living here) have any (other) accounts at banks, savings and loan associations, or credit unions? These could be passbook accounts, share accounts, Christmas Club accounts, or any other type of savings account. 1. YES 5. NO 3802 N23a. Altogether, how many such accounts do you (and your family living here) have? Code # ACCOUNTS 0. Inap. (No savings accounts) 3803(#1) N24. (Please look at Card A.) Is the (next) largest account 3806(#2) with any of the institutions on Card A, or from someplace 3809(#3) else? 3812(#4) (IF CARD A: Which institution?) 3815(#5) (IF SOMEPLACE ELSE: What type of institution is that?) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No savings accounts, no further savings accounts) 9138 (#1) R: Type of institution 9139 (#2) 9140 (#3) 9141 (#4) 9142 (#5) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No savings accounts, no further savings accounts) 3804(#1) N25. How much is in this account? 3807(#2) 3810(#3) Code actual amount 3813(#4) 3816(#5) -1. Nothing; zero 0. Inap. (No savings accounts, no further savings accounts) 3818 N26a. How much is in all your (family's) remaining such accounts? Code actual amount -1. Nothing; zero 0. Inap. (No savings accounts, no further savings accounts) 3819 N27. Do you (or anyone in your family here) have any mutual fund holdings? (IF YES, SAY: Please do not include any pension-type, thrift-saving, 401-K, or IRA/Keogh plans, or accounts I have already recorded.) 1. YES 5. NO 3820 N27a. In how many different mutual funds (do you/does your family) own shares? Code # MUTUAL FUNDS 0. Inap. (No mutual funds) N28. I need to know what type(s) of mutual fund(s) (this is/these are)? (Is it/Are any of them)... 3821 N28a. Stock Funds 3823 N28b. (Are any of them) Tax-Free Bond Funds 3825 N28c. (Are any of them) Government or Government backed Bond Funds 3827 N28d. (Are any of them) other Bond Funds 3829 N28e. Combination funds or any other mutual funds (INCLUDE "DK TYPE" HERE) 1. YES 5. NO 0. Inap. (No mutual funds) 3822 N29a. What is the total market value of all of the (TYPE) 3824 that you (and your family living here) have? 3826 3828 3830 Code actual amount 0. Inap. (No mutual funds, no TYPE mutual funds) 3831 N30. Overall has there been a gain or loss in the value of all these mutual fund shares since you (or someone in your family here) obtained them? 1. GAIN 3. NEITHER GAIN NOR LOSS 5. LOSS 0. Inap. (No mutual funds) 3832 N30a. How much have they gained in value since they were obtained?--PERCENT Code PERCENT to 2 decimal places -2. Virtually all 0. Inap. (No mutual funds, loss or no change in value of mutual funds) 3833 N30a. How much have they gained in value since they were obtained?--AMOUNT Code actual amount -2. Virtually all 0. Inap. (No mutual funds, loss or no change in value of mutual funds) 3834 N30b. How much have they lost in value since they were obtained?--PERCENT Code PERCENT to 2 decimal places -2. Virtually all 0. Inap. (No mutual funds, gain or no change in value of mutual funds) 3835 N30b. How much have they lost in value since they were obtained?--AMOUNT Code actual amount -2. Virtually all 0. Inap. (No mutual funds, gain or no change in value of mutual funds) 3901 N31. Do you (or anyone in your family here) have any U.S. government savings bonds? (THESE MAY BE CALLED SERIES EE OR HH. THEY CAN BE PURCHASED BY PAYROLL DEDUCTION.) 1. YES 5. NO 3902 N31a. What is the total face value of all the savings bonds that you (and your family) have? Code actual amount 0. Inap. (No savings bonds) 3903 N32. Do you (or anyone here) have any other corporate, municipal, government, or other type of bonds or bills? (IF YES, SAY: Please do not include any bonds or bills held in pension accounts or trusts, or in accounts I have already recorded.) 1. YES 5. NO 3904 N32a. How many different bonds or bills do you (or your family) own? Code # BONDS OR BILLS 0. Inap. (No bonds or bills) For the public use dataset, the number of bonds is is top-coded at 150. N33. I need to know what type(s) of bond or bill (this is/these are)? (Is it/Are any of them)... 3905 N33a. Mortgage-backed bonds such as those from "Ginnie-Mae", "Fannie-Mae" or "Freddie-Mac" 3907 N33b. U.S. Government bonds or Treasury bills 3909 N33c. State or municipal bonds, or other taxfree bonds 3911 N33d. Corporate or foreign bonds, or any other type of bonds (INCLUDE "DK TYPE" HERE) 1. YES 5. NO 0. Inap. (No bonds or bills) 3906 N34a. What is the total face value of all of the (TYPE) that you 3908 (and your family living here) have? 3910 3912 Code actual amount 0. Inap. (No bonds or bills, no TYPE bonds or bills) 3913 N35. Do you (or anyone in your family living here) own any publicly traded stock? (IF YES, SAY: Please do not include any stock held through mutual funds, pension accounts or trusts, or in accounts or businesses that I have already recorded.) 1. YES 5. NO 3914 N36. In how many different companies do you (or your family living here) own stock? Code # COMPANIES 0. Inap. (No publicly traded stock) For the public use dataset, the number of companies is top-coded at 150. 3915 N37. What is the total market value of this stock? Code actual amount 0. Inap. (No publicly traded stock) 3916 N38. Overall has there been a gain or loss in the value of this stock since you (or someone in your family here) obtained it? 1. GAIN 3. NEITHER GAIN NOR LOSS 5. LOSS 0. Inap. (No publicly traded stock) 3917 N38a. How much has it gained in value since it was obtained? --PERCENT Code PERCENT to 2 decimal places -2. Virtually all 0. Inap. (No publicly traded stock, loss or no change in value of publicly traded stock) 3918 N38a. How much has it gained in value since it was obtained? --AMOUNT Code actual amount -2. Virtually all 0. Inap. (No publicly traded stock, loss or no change in value of publicly traded stock) 3919 N38b. How much has it lost in value since it was obtained? --PERCENT Code PERCENT to 2 decimal places -2. Virtually all 0. Inap. (No publicly traded stock, gain or no change in value of publicly traded stock) 3920 N38b. How much has it lost in value since it was obtained? --AMOUNT Code actual amount -2. Virtually all 0. Inap. (No publicly traded stock, gain or no change in value of publicly traded stock) 3921 N39. Of your (family's) stock, is any of it stock in a company where you (or anyone in your family living here) have worked? 1. YES 5. NO 0. Inap. (No publicly traded stock) 3922 N39a. What is the total market value of this stock in the company? Code actual amount 0. Inap. (No publicly traded stock, no publicly traded stock in company where work) 3923 N40. Do you (or anyone in your family here) have a brokerage account for the purchase or sale of stocks and other securities? 1. YES 5. NO 0. Inap. (No publicly traded stock) 3924 N40a. (Please look at Card A.) (Is this/Are these) accounts 3925 with any of the institutions on Card A, or from someplace 3926 else? (CHECK ALL THAT APPLY.) 3927 (IF CARD A: Which institution(s)?) (IF SOMEPLACE ELSE: What type(s) of institution(s)?) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No publicly traded stock, no brokerage account, no further institutions) 9143 (1) R: Type of institution 9144 (2) 9145 (3) 9146 (4) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No publicly traded stock, no brokerage account, no further institutions) 3928 N40b. Over the past year, about how many times did you (or anyone in your family living here) buy or sell stocks or other securities through a broker? (ACCEPT RANGE.) Code # TIMES -1. NONE 0. Inap. (No publicly traded stock, no brokerage account) For the public use dataset, the number of time the R traded stock is top-coded at 150. 3929 N40c. Not including any accounts you've told me about, do you (or anyone in your family living here) have a "cash" or "call money" account at a stock brokerage? (IF R ASKS: CASH OR CALL MONEY ACCOUNTS HOLD MONEY RECEIVED FROM THE SALE OF STOCK UNTIL THE MONEY IS REINVESTED.) 1. YES 5. NO 0. Inap. (No publicly traded stock, no brokerage account) 3930 N40d. What is the total dollar value of all the cash or call money accounts that you (and your family living here) have? Code actual amount -1. Zero; nothing now 0. Inap. (No publicly traded stock, no brokerage account, no call account) 3931 N40e. Other than loans you have already told me about, do you (or anyone in your family living here) have any margin loans at a stock brokerage? 1. YES 5. NO 0. Inap. (No publicly traded stock, no brokerage account) 3932 N40f. Altogether, how much is owed on these margin loans? Code actual amount 0. Inap. (No publicly traded stock, no brokerage account, no margin loans) 3933 N41. Do you (or anyone in your family here) receive income from or have assets in a trust, annuity, or managed investment account that you have not already told me about? (IF YES, SAY: Please do not include pension-type accounts, or any assets that I have already recorded.) 1. YES 5. NO N42. What are these; are they legal trusts, annuities, or managed investment accounts? (CHECK ALL THAT APPLY) 3934 N42A. LEGAL TRUSTS 3935 N42B. ANNUITIES 3936 N42C. MANAGED INVESTMENT ACCOUNTS 3937 N42D. OTHER: 1. Checked 5. Not checked 0. Inap. (No trusts, annuities, or managed investment accounts) 3938 N43. Are any of these set up so that you (or your family living here) are legally entitled only to the income and do not have an equity interest? 1. YES 5. NO 0. Inap. (No trusts, annuities, or managed investment accounts) 3939 N43a. How much income did (you/your family living here) receive from these income-only trusts, annuities, or accounts in 1988? Code actual amount -1. ZERO; none yet 0. Inap. (No trusts, annuities, or managed investment accounts; no income-only accounts) 3940 N43b. Do you (or your family living here) also have annuities, trusts, or managed investment accounts in which you (or your family) have an equity interest? 1. YES 5. NO 0. Inap. (No trusts, annuities, or managed investment accounts; no income-only accounts) N43c. What is the total dollar amount of your (family's) interest in these accounts? (Asked if R has income-only accounts) 3942 N44. What is the total dollar value of your (family's) interest in all annuities, trusts, or managed investment accounts? (Asked if R does not have income-only accounts) Code actual amount 0. Inap. (No trusts, annuities, or managed investment accounts; no equity interest in such accounts) 3943 N45. Who manages your (family's) trusts, annuities, or 3944 investment accounts,--is it any of the institutions on 3945 Card A, or are they managed by someone else? 3946 (CHECK ALL THAT APPLY.) (IF CARD A: Which institution(s)?) (IF SOMEPLACE ELSE: What type of institution(s) or who manages them?) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No trusts, annuities, or managed investment accounts; no further institutions) 9147 (1) R: Type of institution 9148 (2) 9149 (3) 9150 (4) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No trusts, annuities, or managed investment accounts; no further institutions) 3947 N46. How is the money in these trusts and managed accounts invested? Is most of it in stocks, most of it in bonds or other interest-earning assets, or what? 1. STOCKS; "mutual fund" (exc. money market) 2. BONDS/INTEREST/CD's/money market 3. Real estate 5. Combination of 1 & 2; "mutual funds and CD's" 6. "Mixed"; "diversified" -7. OTHER; combination of 1, 2 & 3 8. DK 9. NA 0. Inap. (No trusts, annuities, or managed investment accounts) 4001 N47. Do you (or anyone in your family living here) have any life insurance, including individual or group policies? 1. YES 5. NO 4002 N48. Are any of these group or individual term insurance policies? (IF R ASKS: TERM INSURANCE POLICIES HAVE NO VALUE UNLESS THE PERSON DIES. MANY SUCH POLICIES ARE ISSUED THROUGH EMPLOYERS AND UNIONS.) 1. YES 5. NO 0. Inap. (No life insurance) 4003 N48a. What is the current face value of all the term life policies that you (and your family living here) have? Code actual amount 0. Inap. (No life insurance, no term insurance) 4004 N49. Do you have any policies that build up a cash value or that you can borrow on? (IF R ASKS: THESE ARE SOMETIMES CALLED "WHOLE LIFE" OR "STRAIGHT LIFE".) 1. YES 5. NO 0. Inap. (No life insurance) N50. What is the current face value of all the (other) life insurance policies that you (and your family living here) own? (Amount assigned to term or whole-life insurance in imputation) 4005 N49a. 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? Code actual amount 0. Inap. (No life insurance, no whole-life insurance) 4006 N49b. What is the total cash value of these policies? (EDITED TO BE GROSS CASH VALUE WHEN REPORTED AS NET) Code actual amount -1. Zero; none yet 0. Inap. (No life insurance, no whole-life insurance) 4007 N49c. Are you (or your family) borrowing against these policies? 1. YES 5. NO 0. Inap. (No life insurance, no whole-life insurance) 4008 N49d. (ASK ONLY IF AN AMOUNT WAS GIVEN IN N49b.) Is the cash value you just gave me net of any loans you have against the policy or is it the gross cash value? (IF R ASKS: THE NET VALUE IS THE TOTAL CASH VALUE MINUS ANY LOANS.) 1. NET 2. GROSS 3. Value reported at N49b reported as net, but recoded to gross 0. Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance) 4009 N49e. Did I record these loans earlier in the interview? 1. YES 5. NO 0. Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance) 8175 R: Link code for loan mentioned earlier 1. B10, #1 2. B10, #2 3. B10, #3 4. B10, #4 5. D36, col. 1 6. D36, col. 2 7. D36, col. 3 8. D51 9. D53h, col. 1 10. D53h, col. 2 11. D53h, col. 3 12. D64 13. E33, col. 1 14. E33, col. 2 15. E33, col. 3 16. G22, col. 1 17. G22, col. 2 18. G22, col. 3 19. G38, col. 1 20. G38, col. 2 21. H14, col. 1 22. H14, col. 2 23. H14, col. 3 24. H14, col. 4 25. H14, col. 5 26. H14, col. 6 101. Link not made 0. Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance) 4010 N49f. How much is currently borrowed? Code actual amount 0. Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance) 4011 N49g. Typically how often (do you/does your family) make payments on these loans and how large are the payments? Code $ amount -1. NO TYPICAL PAYMENTS 0. Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance) 4012 N49g. PER 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance) 4013 N49h. What is the current annual rate of interest being charged on these loans? Code % to 2 decimal places -1. Zero; none 0. Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance) 4014 N49j. How much in total are the yearly premiums for these policies that build up a cash value? Code actual amount -1. Nothing; paid in full 0. Inap. (No life insurance, no whole-life insurance) 4015 N49j. PER 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No life insurance, no whole-life insurance) 4017 N51. We have talked about various types of savings, investments, and loans. Other than what I have already recorded, are you (or anyone in your family living here) owed any money by friends, relatives, businesses, or others? (WE DO NOT WANT TO INCLUDE PENSION-TYPE OR EMPLOYER PROFIT-SHARING ACCOUNTS HERE.) 1. YES 5. NO 4018 N51a. Altogether, how much are you owed? Code actual amount 0. Inap. (No other loans owed to R) 4019 N52. 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, future proceeds from a lawsuit or estate, oil and gas leases, futures contracts, royalties, or something else? (DO NOT INCLUDE PENSION-TYPE OR EMPLOYER PROFIT-SHARING ACCOUNTS HERE.) 1. YES 5. NO 4020 (#1a) N52a. (About the most valuable of these ..) What kind of asset 4021 (#1b) is it? 4024 (#2a) 4025 (#2b) 1. Gold 4028 (#3a) 2. Silver (incl. silverware) 4029 (#3b) 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 14. (Rare) books 15. Coin collections 16. Stamp collection 17. Guns 18. Real estate (exc. cemetery) (overflow from C20) 19. Cemetery plots 20. China; figurines; crystal 21. Musical instruments 22. Livestock; horses 23. Oriental rugs 24. Furs 25. Other collections, incl. baseball cards, records, wine 61. Loans to friends/relatives 62. Other loans/debts owed to R 63. Cash, n.e.c. 64. Future proceeds from a lawsuit 65. " " " an estate 66. Deferred compensation 71. Oil/gas/mineral leases or investments 72. (Commodity) futures contracts 73. Royalties 74. Non-publicly traded stock -7. Other 0. Inap. (No other assets, no additional other assets) For the public use dataset, Future proceeds from a lawsuit (64) and Future proceeds from an estate (65) are combined in 64; antiques and furniture (12), art objects (13), rare books (14), and oriental rugs (23) are combined in 12. 4022(#1) N52b. What is the total dollar value that you (and your family 4026(#2) living here) have in (TYPE)? 4030(#3) Code actual amount 0. Inap. (No other assets, no additional other assets) 4031 N53. Do you (or anyone in your family living here) owe any other money not recorded earlier? 1. YES 5. NO 4032 N53a. How much is still owed on these loans? Code actual amount 0. Inap. (No other money owed) ----------------------------------------------------------------------------- CURRENT JOB ----------------------------------------------------------------------------- R1. We are interested in your present job status. Are you working now, temporarily laid off, unemployed and looking for work, disabled and unable to work, retired, a student (a homemaker), or what? (CHECK ALL THAT APPLY.) S1. We are interested in your (husband's/wife's) present job status. Is (he/she) working now, temporarily laid off, unemployed and looking for work, disabled and unable to work, retired, a student (a homemaker), or what? (CHECK ALL THAT APPLY.) IF R/S IS "WORKING NOW" AND ANY OTHER CATEGORY, ASK ALL FOLLOW-UP QUESTIONS AND GO TO NEXT PAGE, R2/S2. 4100 R1-R1e. SUMMARY OF OCCUPATION STATUS AND WORKING NOW 4700 S1-S1e. SUMMARY OF OCCUPATION STATUS AND WORKING NOW CURRENTLY WORKING FOR PAY: 11. Worker only 12. Worker + disabled 13. Worker + retired 14. Worker + student 15. Worker + homemaker 16. Worker + unemployed/looking for work 17. Worker + temporarily laid off (NO at R1a, YES at R1c, R2=current job) NO CURRENT WORK FOR PAY: 20. Temporarily laid off only (R2=job laid off from, to which R expects to return [YES or DK at R1a]) 21. Temporarily laid off--does not expect to return to job and no current work 30. Unemployed and looking for work 50. Retired only 52. Disabled only "Homemaker" is a low priority working status coded only in 80 and 15. For other combina- tions including "Homemaker", choose a code on the basis of the other item(s) checked. 70. Student only 80. Homemaker/other not in labor force only 90. Unpaid family workers: R's who volunteer that they work in a family business or farm and are unpaid. (Do not include here "volunteer work" for charitable or non-profit organizations.) 96. Other combination incl. WORKER 97. Other (incl. combination) not including WORKER 199. Absent spouse not included in IW 0. Inap. (No spouse) 4101 R1a. Do you expect to go back to this job? 4701 S1a. Does (he/she) expect to go back to this job? 1. YES 5. NO 0. Inap. (No spouse, not temporarily laid off) 4102 R1b. When did you last work on this job?--MONTH 4702 S1b. When did (he/she) last work on this job? MONTH Code MONTH 0. Inap. (No spouse, not temporarily laid off) 4103 R1b. When did you last work on this job?--YEAR 4703 S1b. When did (he/she) last work on this job? YEAR Code YEAR 0. Inap. (No spouse, not temporarily laid off) 4104 R1d. When did you (retire/become disabled)? 4704 S1d. When did (he/she) (retire/become disabled)? Code YEAR 0. Inap. (No spouse, not retired/disabled) 4105 R1c/R1e. Are you doing any work for pay at the present time? 4705 S1c/S1e. Is (he/she) doing any work for pay at the present time? 1. YES 5. NO 0. Inap. (No spouse, currently working) 4106 R2. Next are some questions about your current, main job. Do you work for someone else, are you self-employed, or what? 4706 S2. Next are some questions about (his/her) current, main job. Does (he/she) work for someone else, is (he/she) self employed, or what? 1. SOMEONE ELSE 2. SELF-EMPLOYED 0. Inap. (No spouse, not currently working) 4107 R2. EDITOR PRECODE: BUSINESS/JOB CONNECTION (R NOT SE) R14. MARK BOX (BUSINESS IS FROM SECT. M) (R SE) 4707 S2. EDITOR PRECODE: BUSINESS/JOB CONNECTION (S NOT SE) S14. MARK BOX (BUSINESS IS FROM SECT. M) (S SE) Precoded by editor in green 1. This job associated with Bus #1 at M5a 2. " " " " Bus #2 " " 3. " " " " Bus #3 " " 4. This job is associated with business listed at M5a, BUT it is a) a business beyond #3 (at M19a-c) or (b) associated with more than one M5a business or (c) NA which business 5. Job not associated with a business at M5a-M19c or a property at E5; NO businesses listed in M5a-M19c and no properties listed at E15 9. NA 0. Inap. (No spouse, not currently working) 4108 R3. What is the official title of your job? (The title that your employer uses?) (R NOT SE) R4. What sort of work do you do on your main job? (Tell me a little more about what you do.) (R NOT SE) R14. What sort of work do you do? (Tell me a little more about what you do.) (IWER: IF R WORKS FOR BUSINESS REPORTED IN SECTION M, MARK BOX.) (R SE) 4708 S3. What is the official title of (his/her) job? (The title that (his/her) employer uses?) (S NOT SE) S4. What sort of work does (he/she) do on (his/her) main job? (Tell me a little more about what (he/she) does.) (S NOT SE) S14. What sort of work does (he/she) do? (Tell me a little more about what (he/she) does.) (IWER: IF S WORKS FOR BUSINESS REPORTED IN SECTION M, MARK BOX.) ( S SE) Code 3-digit 1970 Census OCCUPATION Code 0. Inap. (No spouse, not currently working) 7401 R: 1980 Occupation code 7411 Code 3-digit 1980 Census OCCUPATION Code 0. Inap. (No spouse, not currently working) The 1980 industry codes were collaped using the SAS code that follows below. *************************************************************************** Code to collapse occupations *************************************************************************** ARRAY OCC {*} X7401 X7405 X7407 X7409 X7411 X7415 X7417 X7419; DO I=1 TO DIM(OCC); IF (3 <= OCC{I} <=37) THEN OCC{I}=1; IF (43 <= OCC{I} <=199) THEN OCC{I}=1; IF (203 <= OCC{I} <=235) THEN OCC{I}=2; IF (243 <= OCC{I} <=285) THEN OCC{I}=2; IF (303 <= OCC{I} <=389) THEN OCC{I}=2; IF (403 <= OCC{I} <=407) THEN OCC{I}=3; IF (413 <= OCC{I} <=427) THEN OCC{I}=3; IF (433 <= OCC{I} <=469) THEN OCC{I}=3; IF (473 <= OCC{I} <=499) THEN OCC{I}=6; IF (503 <= OCC{I} <=699) THEN OCC{I}=4; IF (703 <= OCC{I} <=799) THEN OCC{I}=5; IF (803 <= OCC{I} <=859) THEN OCC{I}=5; IF (863 <= OCC{I} <=889) THEN OCC{I}=5; IF (905 <= OCC{I} <=905) THEN OCC{I}=3; END; *************************************************************************** 4109 R5. What kind of business or industry do you work in--that is, what do they make or do at the place where you work? (R NOT SE) R14a. What industry do you work in? That is, what do they do or make? (What industry do you typically work in?) (R SE) 4709 S5. What kind of business or industry does (he/she) work in that is, what do they make or do at the place where (he/she) works? (S NOT SE) S14a. What industry does (he/she) work in? That is, what do they do or make? (What industry does (he/she) typically work in?) (S SE) Code 3-digit 1970 Census INDUSTRY Code 0. Inap. (No spouse, not currently working) 7402 R: 1980 Industry code 7412 Code 3-digit 1980 Census INDUSTRY Code 0. Inap. (No spouse, not currently working) The 1980 industry codes were collaped using the SAS code that follows below. *************************************************************************** Code to collapse industries *************************************************************************** ARRAY IND {*} X7402 X7406 X7408 X7410 X7412 X7416 X7418 X7420; DO I=1 TO DIM(IND); IF (10 <= IND{I} <=31) THEN IND{I}=1; IF (40 <= IND{I} <=50) THEN IND{I}=2; IF (60 <= IND{I} <=60) THEN IND{I}=2; IF (100 <= IND{I} <=392) THEN IND{I}=3; IF (500 <= IND{I} <=571) THEN IND{I}=4; IF (580 <= IND{I} <=691) THEN IND{I}=4; IF (700 <= IND{I} <=712) THEN IND{I}=5; IF (721 <= IND{I} <=760) THEN IND{I}=5; IF (400 <= IND{I} <=472) THEN IND{I}=6; IF (761 <= IND{I} <=791) THEN IND{I}=6; IF (800 <= IND{I} <=802) THEN IND{I}=6; IF (812 <= IND{I} <=892) THEN IND{I}=6; IF (900 <= IND{I} <=932) THEN IND{I}=7; END; *************************************************************************** 4110 R6. How many hours do you work on your main job in a normal week? (R NOT SE) R14d. How many hours do you work (for yourself/in this business) in a normal week? (R SE) 4710 S6. How many hours does (he/she) work on (his/her) main job in a normal week? (S NOT SE) S14d. How many hours does (he/she) work (for himself/for herself/in this business) in a normal week? (S SE) Code # HOURS -2. 95 hours or more; "all the time"; "24 hours a day" 0. Inap. (No spouse, not currently working) 4111 R7. (READ SLOWLY) Counting paid vacations as weeks of work, how many weeks do you work on this job in a normal year? (R NOT SE) R14e. (READ SLOWLY) Counting paid vacations as weeks of work, how many weeks per year do you work on this job? (R SE) 4711 S7. (READ SLOWLY) Counting paid vacations as weeks of work, how many weeks does (he/she) work on this job in a normal year? (S NOT SE) S14e. (READ SLOWLY) Counting paid vacations as weeks of work, how many weeks per year does (he/she) work on this job? (S SE) Code # WEEKS 0. Inap. (No spouse, not currently working) R14f. How are you paid? Are you paid a regular salary or wages, do you receive a portion of the net earnings, or what? (CHECK ALL THAT APPLY AND ASK BOTH FOLLOW-UP QUESTIONS IF APPLICABLE.) (ONLY ASKED IF R SE) S14f. How is (he/she) paid? Is (he/she) paid a regular salary or wages, does (he/she) receive a portion of the net earnings, or what? (CHECK ALL THAT APPLY AND ASK BOTH FOLLOW UP QUESTIONS IF APPLICABLE.) (ONLY ASKED IF SPOUSE SE) 4125 R14f. A. SALARY 4126 R14f. B. WAGES 4127 R14f. C. NET EARNINGS 4128 R14f. D. OTHER 4725 S14f. A. SALARY 4726 S14f. B. WAGES 4727 S14f. C. NET EARNINGS 4728 S14f. D. OTHER 1. CHECKED 5. NOT CHECKED 2. Commission (4128/4728 only) 0. Inap. (No spouse, not currently working, not self-employed) For the public use dataset, Commission (2) is combined with responses in 1. 4112 R8. About how much do you earn before taxes on your main job? (Is that per hour, week, month, year, or what?) (R NOT SE) R14g. How much in salary or wages are you paid before taxes? (R SE -- NOT ANSWERED UNLESS 4125/6 = 1) 4712 S8. About how much does (he/she) earn before taxes on (his/ her) main job? (Is that per hour, week, month, year, or what?) (S NOT SE) S14g. How much in salary or wages is (he/she) paid before taxes? (S SE -- NOT ANSWERED UNLESS 4725/6 = 1) ) Code actual amount -1. Zero; take no pay out of business 0. Inap. (No spouse, not currently working) 4113 R8. PER (R NOT SE) R14g. PER (R SE) 4713 S8. PER (S NOT SE) S14g. PER (S SE) 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 8. Wages per hour edited to $ per week 0. Inap. (No spouse, not currently working) 4131 R14h. (In addition to regular salary,) how much do you personally earn from the business before taxes? (What did you earn in 1988?) (ONLY ASKED IF R SE) 4731 S14h. (In addition to regular salary,) how much does (he/she) personally earn from the business before taxes? (What did (he/she) earn in 1988?) (ONLY ASKED IF S SE) Code actual amount -1. Zero; none in 1988 0. Inap. (No spouse, not currently working, not self-employed, no non-wage/salary income from job) 4132 R14h. PER (ONLY ASKED IF R SE) 4732 S14h. PER (ONLY ASKED IF S SE) 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No spouse, not currently working, not self-employed, no non-wage/salary income from job) 4114 R9. About how many employees work for this company or organization, including all locations? (Is it fewer than 10, 10 to 19, 20 to 99, 100 to 499, or 500 or more?) (ONLY ASKED FOR R NOT SE; INFERRED FROM SECTION M WHERE POSSIBLE; OTHERWISE, IMPUTED) 4714 S9. About how many employees work for this company or organization, including all locations? (Is it fewer than 10, 10 to 19, 20 to 99, 100 to 499, or 500 or more?) (ONLY ASKED FOR S NOT SE; INFERRED FROM SECTION M WHERE POSSIBLE; OTHERWISE, IMPUTED) 1. LESS THAN 10 2. 10 TO 19 3. 20 TO 99 4. 100 TO 499 5. 500 OR MORE 0. Inap. (No spouse, not currently working) 4115 R10. How many years in total have you worked for this employer? (R NOT SE) R14b. How many years have you worked for (yourself/this business)? (R SE) 4715 S10. How many years in total has (he/she) worked for this employer? (S NOT SE) S14b. How many years has (he/she) worked for (himself/herself/ this business)? (S SE) Code # YEARS 1. ONE YEAR OR LESS 0. Inap. (No spouse, not currently working) For the public use dataset, the number of year with the current employer is top-coded at 50. 4116 R11. How many years do you expect to continue working for this employer? (ACCEPT RANGE.) (R NOT SE) R14c. About how many years do you expect to continue working for (yourself/this business)? ACCEPT RANGE (R SE) 4716 S11. How many years does (he/she) expect to continue working for this employer? (ACCEPT RANGE.) (S NOT SE) S14c. About how many years does (he/she) expect to continue working for (himself/herself/this business)? ACCEPT RANGE (S SE) Code # YEARS -1. NEVER STOP 0. Inap. (No spouse, not currently working) 4117 R12. Are you covered on this job by a union or employee- association contract? (R NOT SE) R14j. Are you covered on this job by a union or employee- association contract? (R SE) 4717 S12. Is (he/she) covered on this job by a union or employee association contract? (S NOT SE) S14j. Is (he/she) covered on this job by a union or employee association contract? (R SE) 1. YES 5. NO 0. Inap. (No spouse, not currently working) INFORMATION LINKED FROM 1989 CURRENT POPULATION SURVEY BY OCCUPATION CODE 8112 (R) R: Average for occupation group of fraction of last 52 8113 (S) weeks worked; multipled by 10,000 8114 (R) R: Average for occupation group of hours worked per week 8115 (S) in 1989 8116 (R) R: Fraction of occupartion group unemployed in 1989; 8117 (S) multiplied by 10,000 8169 (R) R: Unconditional mean wage for occupation group in 1989 8170 (S) For each occupation group, regressions were run separately for males and females of the log of annualized wages on a constant, a spline on age (AGE, MAX(0, AGE-35), MAX(0,AGE-55)), a dummy variable for part-time employemnt (1 = working 20 or fewer hours per week), a dummy variable for self-employment (1 = self- employed), a dummy for race (1 = Hispanic or non-white), and dummy variables for years of education (1 = : 12 years of education, more than 13 to 15 years of education, 16 years of education, more than 16 years of education). If there were too few people in a CPS 3-digit occupation group, either the SCF case was matched to a neighboring occupation group, or the match was made at the level of the 2-digit occupation code. Some of the model coefficients may be identically zero where there are too few cases in the appropriate cells in the CPS to identify the coefficients. 8105 (R) R: Intercept 8106 (S) 8099 (R) R: Coefficient of AGE 8100 (S) 8101 (R) R: Coefficient of MAX(0,AGE-35) 8102 (S) 8103 (R) R: Coefficient of MAX(0,AGE-55) 8104 (S) 8318 (R) R: Coefficient of dummy for part-time employment 8319 (S) 8320 (R) R: Coefficient of dummy for self-emlpoyment 8321 (S) 8322 (R) R: Coefficient of dummy for Hispanic or nonwhite 8323 (S) 8324 (R) R: Coefficient of dummy for 12 years of education 8325 (S) 8326 (R) R: Coefficient of dummy for 13 to 15 years of education 8327 (S) 8328 (R) R: Coefficient of dummy for 16 years of education 8329 (S) 8330 (R) R: Coefficient of dummy for more than 16 years of education 8331 (S) 8107 (R) R: Standard error log regression 8108 (S) 8109 (R) R: Annualized level of expected income from regression 8111 (S) (corrected for non-zero expectation of error term for level) ----------------------------------------------------------------------------- CURRENT JOB PENSIONS ----------------------------------------------------------------------------- 4135 R15. Many employers have pension or retirement plans, and some provide tax-deferred plans such as thrift, savings, 401K's, profit sharing, or stock ownership plans. Are you included in any pension or retirement plans, or in any tax-deferred savings plans on this job? (DO NOT INCLUDE SOCIAL SECURITY.) IF R MENTIONS IRA OR KEOGH PLANS, NOTE IN MARGIN AND SAY: "We covered those earlier in the interview. Here, I just want to find out about other plans operated through your employer." (R NOT SE) R14k. Aside from IRA or Keogh plans, are you included in any pension plans or tax-deferred savings plans through (your work/the business)? (R SE) 4735 S15. Many employers have pension or retirement plans, and some provide tax deferred plans such as thrift, savings, 401K's, profit sharing, or stock ownership plans. Is (he/she) included in any pension or retirement plans, or in any tax deferred savings plans on this job? (DO NOT INCLUDE SOCIAL SECURITY.) IF R MENTIONS IRA OR KEOGH PLANS, NOTE IN MARGIN AND SAY: "We covered those earlier in the interview. Here, I just want to find out about other plans operated through (his/her) employer." (S NOT SE) S14k. Aside from IRA or Keogh plans, is (he/she) included in any pension plans or tax deferred savings plans through [(his/her) work/the business? (S SE) 1. YES 5. NO 0. Inap. (No spouse, not currently working) 4136 R16. Does your employer offer any such plans? (ONLY ASKED IF R NOT SE) 4736 S16. Does (his/her) employer offer any such plans? (ONLY ASKED IF SP NOT SE) 1. YES 5. NO 0. Inap. (No spouse, not currently working, included in pension plan on main job, self-employed) 4137 R16a. Are you eligible to be included in any of these plans? (ONLY ASKED IF R NOT SE) 4737 S16a. Is (he/she) eligible to be included in any of these plans? (ONLY ASKED IF SP NOT SE) 1. YES 5. NO 0. Inap. (No spouse, not currently working, included in pension plan on main job, self-employed, plan not offered) 4138 R16b. Will you be eligible if you continue to work for this employer? (ONLY ASKED IF R NOT SE) 4738 S16b. Will (he/she) be eligible if (he/she) continues to work for this employer? (ONLY ASKED IF SP NOT SE) 1. YES 3. DEPENDS 5. NO 0. Inap. (No spouse, not currently working, included in pension plan on main job, self-employed, plan not offered, eligible to be included in plan) 4139 R17. In how many different plans of this sort are you included on this job? (ONLY ASKED IF R NOT SE) 4739 S17. In how many different plans of this sort is (he/she) included on this job? (ONLY ASKED IF SP NOT SE) Code # PLANS 0. Inap. (No spouse, not currently working, not included in pension plan on main job) 4140 R17a. Are you currently receiving benefit payments from any retirement plans from this job? 4740 S17a. Is (he/she) currently receiving benefit payments from any retirement plans from this job? 1. YES 5. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job) 4141 R17b. I'll ask about the benefits later. Are there any retirement or savings plans from this job where you are not yet drawing benefit payments? 4741 S17b. I'll ask about the benefits later. Are there any retirement or savings plans from this job where (he/she) are not yet drawing benefit payments? 1. YES 5. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job, not receiving benefits from any plans on main job) 4201 R17c./R18. How many such plans do you have? (ASKED IF SOME PLANS ON MAIN JOB NOT CURRENLY PAYING BENEFITS, INFERRED FOR OTHER CASES WITH PLANS) 4801 S17c./S18. How many such plans does (he/she) have? (ASKED IF SOME PLANS ON MAIN JOB NOT CURRENLY PAYING BENEFITS, INFERRED FOR OTHER CASES WITH PLANS) Code # PLANS--NOT YET RECEIVING BENEFITS 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job) 4202(1) R19. (Is this/About the (next) most important of these plans, 4302(2) is it) a pension or retirement plan, or a tax-deferred 4402(3) savings plan of some sort? (IF R ASKS: 401-K, 403-B, ESOP, SRA, THRIFT/SAVINGS, STOCK/PROFIT SHARING ARE ALL TAX-DEFERRED SAVINGS PLANS.) 4802(1) S19. (Is this/About the (next) most important of these plans, 4902(2) is it) a pension or retirement plan, or a tax-deferred 5002(3) savings plan of some sort? (IF R ASKS: 401 K, 403 B, ESOP, SRA, THRIFT/SAVINGS, STOCK/PROFIT SHARING ARE ALL TAX DEFERRED SAVINGS PLANS.) 1. PENSION OR RETIREMENT 2. TAX-DEFERRED SAVINGS -7. OTHER 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans) 4203(1) R20. (RB, P. 12) I would like to know what general type of plan 4303(2) this is. (In the most common pension or retirement plan, 4403(3) Type A, the amount of the benefit is usually based on a formula involving age, years of service and salary. In other plans, Type B, money is accumulated in an account for you until your retirement.) Is your (first/next) plan like Type A or Type B? ("2" FILLED IN HERE IF R19=2) 4803(1) S20. (RB, P. 12) I would like to know what general type of plan 4903(2) this is. (In the most common pension or retirement plan, 5003(3) Type A, the amount of the benefit is usually based on a formula involving age, years of service and salary. In other plans, Type B, money is accumulated in an account for you until your retirement.) Is (his/her) (first/next) plan like Type A or Type B? ("2" FILLED IN HERE IF S19=2) 1. TYPE A (FORMULA) 2. TYPE B (ACCOUNT) 3. BOTH A & B 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans) FORMULA-TYPE PENSIONS AND MIXTURE PLANS 4204(1) R21. (Not using the booklet.) For that part of your plan where 4304(2) money is accumulated in an account, how much is in the 4404(3) account? 4804(1) S21. For that part of (his/her) plan where money is accumulated 4904(2) in an account, how much is in the account? 5004(3) Code actual amount -1. Zero; nothing yet 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like both types A and B) 4205(1) R22. Do you currently make contributions to this plan? 4305(2) (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY 4405(3) DEDUCTIONS, UNION DUES OR OTHER SOURCES) 4805(1) S22. Does (he/she) currently make contributions to this plan? 4905(2) (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY 5005(3) DEDUCTIONS, UNION DUES OR OTHER SOURCES) 1. YES 5. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B) 4206(1) R23. What percent of your pay or amount of money per month or 4306(2) year do you currently contribute?--PERCENT 4406(3) 4806(1) S23. What percent of (his/her) pay or amount of money per 4906(2) month or year does (he/she) currently contribute? PERCENT 5006(3) Code PERCENT to 2 decimal places -7. Percent calculated from lump sum amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, R/S does not make contributions) 4207(1) R23. What percent of your pay or amount of money per month or 4307(2) year do you currently contribute?--AMOUNT 4407(3) 4807(1) S23. What percent of (his/her) pay or amount of money per month 4907(2) or year does (he/she) currently contribute? AMOUNT 5007(3) Code actual amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, R/S does not make contributions) 4208(1) R23. PER 4308(2) 4408(3) 4808(1) S23. PER 4908(2) 5008(3) 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B R/S does not make contributions) 4209(1) R24. At what age do you expect to start receiving benefits from 4309(2) this plan? 4409(3) 4809(1) S24. At what age does (he/she) expect to start receiving 4909(2) benefits from this plan? 5009(3) Code AGE -1. DON'T EXPECT BENEFITS 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B) 4210(1) R25. About how much do you expect your benefits to be? (As a 4310(2) proportion of your pay at retirement, or as an amount per 4410(3) month or year when you start receiving them?)--AMOUNT 4810(1) S25. About how much does (he/she) expect (his/her) benefits 4910(2) to be? [As a proportion of (his/her) pay at retirement, 5010(3) or as an amount per month or year when (he/she) starts receiving them?] Code actual amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, R/S does not expect benefits) 4211(1) R25. PER 4311(2) 4411(3) 4811(1) S25. PER 4911(2) 5011(3) 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 8. Lump sum; one payment only 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, R/S does not expect benefits) 4212(1) R25. About how much do you expect your benefits to be? (As a 4312(2) proportion of your pay at retirement, or as an amount per 4412(3) month or year when you start receiving them?)--PERCENT 4812(1) S25. About how much does (he/she) expect (his/her) benefits 4912(2) to be? [As a proportion of (his/her) pay at retirement, 5012(3) or as an amount per month or year when (he/she) starts receiving them?] PERCENT Code PERCENT to 2 decimal places 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, R/S does not expect benefits) 4213(1) R26. If you were to (leave this job/sell this business) now, 4313(2) would you start receiving a monthly or annual pension 4413(3) benefit now, would you receive one later, would you get a cash settlement now, would you get nothing or what? (IF R SAYS "ROLL OVER" MARK "CASH SETTLEMENT".) 4813(1) S26. If (he/she) were to (leave this job/sell this business) 4913(2) now, would (he/she) start receiving a monthly or annual 5013(3) pension benefit now, would (he/she) receive one later, would (he/she) get a cash settlement now, would (he/she) get nothing or what? (IF R SAYS "ROLL OVER" MARK "CASH SETTLEMENT".) 1. Monthly or annual BENEFIT NOW If multiple 2. Monthly or annual BENEFIT LATER checks, code smallest # 3. CASH SETTLEMENT now; "Roll Over" checked. 4. NOTHING -7. OTHER incl. any combinations; "lump sum later" 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B) 4214(1) R26a. About how much per month would you receive? 4314(2) 4414(3) 4914(1) S26a. About how much per month would (he/she) receive? 4914(2) 5014(3) Code $ amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, if R/S left job now would get cash settlement/ nothing/other) ACCOUNT-TYPE PENSIONS 4216(1) R28. (Could you tell me a little more about this plan?) Is it 4316(2) a thrift or savings plan, a 401K, a profit-sharing plan, a 4416(3) stock purchase plan or what? 4816(1) S28. (Could you tell me a little more about this plan?) Is it 4916(2) a thrift or savings plan, a 401K, a profit sharing plan, a 5016(3) stock purchase plan or what? 1. THRIFT OR SAVINGS; "Savings and Investment plan" 2. 401k/403b/SRA 3. PROFIT SHARING 4. STOCK PURCHASE, ESOP (Employee Stock Option Plan) 5. Annuity; "insurance co." 11. IRA; IRA/SEP -7. OTHER 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4217(1) R29. For how many years altogether have you been included in 4317(2) this plan? (INCLUDE YEARS WITH OTHER EMPLOYERS, IF SAME 4417(3) PLAN.) 4817(1) S29. For how many years altogether has (he/she) been included 4917(2) in this plan? (INCLUDE YEARS WITH OTHER EMPLOYERS, IF SAME 5017(3) PLAN.) Code # YEARS 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4218(1) R30. (Does your employer/Does the business) make contributions 4318(2) to this plan? 4418(3) 4818(1) S30. [Does (his/her) employer/Does the business] make 4918(2) contributions to this plan? 5018(3) 1. YES 5. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4219(1) R30a. What percent of your pay or amount of money per month or 4319(2) year does (your employer/the business) contribute?-- 4419(3) PERCENT 4819(1) S30a. What percent of (his/her) pay or amount of money per 4919(2) month or year does [(his/her) employer/the business] 5019(3) contribute? PERCENT Code PERCENT to 2 decimal places -7. Percent calculated from lump sum amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, employer does not contribute to plan) 4220(1) R30a. What percent of your pay or amount of money per month or 4320(2) year does (your employer/the business) contribute?-- 4420(3) AMOUNT 4820(1) S30a. What percent of (his/her) pay or amount of money per 4920(2) month or year does [(his/her) employer/the business] 5020(3) contribute? AMOUNT Code actual amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, employer does not contribute to plan) 4221(1) R30a. PER 4321(2) 4421(3) 4821(1) S30a. PER 4921(2) 5021(3) 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, employer does not contribute to plan) 4222(1) R31. Do you currently make contributions to this plan? (IF R 4322(2) ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY DEDUCTIONS, 4422(3) UNION DUES, OR OTHER SOURCES.) 4822(1) S31. Does (he/she) currently make contributions to this plan? 4922(2) (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY 5022(3) DEDUCTIONS, UNION DUES, OR OTHER SOURCES.) 1. YES 5. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4223(1) R31a. What percent of your pay or amount of money per month or 4323(2) year do you currently contribute?--PERCENT 4423(3) 4823(1) S31a. What percent of (his/her) pay or amount of money per month 4923(2) or year does (he/she) currently contribute? PERCENT 5023(3) Code PERCENT to 2 decimal places -7. Percent calculated from lump sum amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, R/S does not contribute to plan) 4224(1) R31a. What percent of your pay or amount of money per month or 4324(2) year do you currently contribute?--AMOUNT 4424(3) 4824(1) S31a. What percent of (his/her) pay or amount of money per month 4924(2) or year does (he/she) currently contribute? AMOUNT 5024(3) Code actual amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, R/S does not contribute to plan) 4225(1) R31a. PER 4325(2) 4425(3) 4825(1) S31a. PER 4925(2) 5025(3) 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, R/S does not contribute to plan) 4226(1) R32. Roughly how much money is in your account at present? 4326(2) 4426(3) 4826(1) S32. Roughly how much money is in (his/her) account at present? 4926(2) 5026(3) Code actual amount -1. Zero; none yet 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4227(1) R33. Can you borrow against that account? 4327(2) 4427(3) 4827(1) S33. Can (he/she) borrow against that account? 4927(2) 5027(3) 1. YES 5. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4228(1) R34. Do you currently have a loan against that account? 4328(2) 4428(3) 4828(1) S34. Does (he/she) currently have a loan against that account? 4929(2) 5028(3) 1. YES 5. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, cannot borrow aginst account) 4229(1) R34a. What is the amount of the loan balance? 4329(2) 4429(3) 4829(1) S34a. What is the amount of the loan balance? 4929(2) 5029(3) Code actual amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, cannot borrow against account, no loan against account) 4230(1) R34b. Did you tell me about this loan earlier? 4330(2) 4430(3) 4830(1) S34b. Did you tell me about this loan earlier? 4930(2) 5030(3) 1. YES 5. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, cannot borrow against account, no loan against account) 4231(1) R35. If you needed money in an emergency, could you withdraw 4331(2) some of the funds in that account? (CHECK "YES" EVEN IF 4431(3) WITHDRAWAL INVOLVES PENALTY.) 4831(1) S35. If (he/she) needed money in an emergency, could (he/she) 4931(2) withdraw some of the funds in that account? (CHECK "YES" 5031(3) WITHDRAWAL INVOLVES PENALTY.) 1. YES 5. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4232(1) R36. If you were to (leave this job/sell the business) now, 4332(2) would you lose all, some, or none of the money in this 4432(3) account? 4832(1) S36. If (he/she) were to (leave this job/sell the business) 4932(2) now, would (he/she) lose all, some, or none of the money 5032(3) in this account? 1. ALL 3. SOME 5. NONE -7. OTHER 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4233(1) R36a. What proportion would you lose? 4333(2) (ASKED IF R36=SOME OR OTHER, FILLED IN IF R36=ALL 4433(3) OR NONE) 4833(1) S36a. What proportion would (he/she) lose? 4933(2) (ASKED IF S36=SOME OR OTHER, FILLED IN IF S36=ALL 5033(3) OR NONE) Code PERCENT to 2 decimal places -1. Nothing -7. Other including $ amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4234(1) R37. How is the money in this account invested? Is it mostly in 4334(2) stocks, mostly in interest earning assets, is it split 4434(3) between these, or what? 4834(1) S37. How is the money in this account invested? Is it mostly in 4934(2) stocks, mostly in interest earning assets, is it split 5034(3) between these, or what? 1. MOSTLY OR ALL STOCK 2. MOSTLY OR ALL INTEREST EARNING 3. SPLIT -7. OTHER 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4436 R39. (IF 4 OR MORE) Altogether how much do you have in your account balance(s) for any other pension plans or savings plan(s) from this job? 5036 S39. (IF 4 OR MORE) Altogether how much does (he/she) have in (his/her) account balance(s) for any other pension plans or savings plan(s) from this job? Code actual amount -1. NOTHING 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans) 4437 R39a. Altogether, what other benefit payments do you expect to 4438 receive from (this/these) other pension plan(s) from this job? 5037 S39a. Altogether, what other benefit payments does (he/she) 5038 expect to receive from (this/these) other pension plan(s) from this job? -1. NONE -7. OTHER 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, account balance given at R/S39) ----------------------------------------------------------------------------- SECOND JOBS ----------------------------------------------------------------------------- 4501 R40. Are you doing any other work for pay now, such as a second job, the military reserves, or (another) business of your own? 5101 S40. Is (he/she) doing any other work for pay now, such as a second job, the military reserves, or (another) business of (his/her) own? 1. YES 5. NO 0. Inap. (No spouse, not currently working) R40a. Is this a second job, the military reserves, your own business, or what? (CHECK ALL THAT APPLY.) 4502 R40a. A. SECOND JOB 4503 R40a. B. MILITARY (Reserves including Cost Guard, National Guard Service) 4504 R40a. C. BUSINESS 4505 R40a. D. OTHER: S40a. Is this a second job, the military reserves, (his/her) own business, or what? (CHECK ALL THAT APPLY.) 5102 S40a. A. SECOND JOB 5103 S40a. B. MILITARY (Reserves including Cost Guard, National Guard Service) 5104 S40a. C. BUSINESS 5105 S40a. D. OTHER: 1. Checked 5. Not checked 0. Inap. (No spouse, not currently working, no second job) 4506 R40b. IWER: IF BUSINESS IS ONE OF THE BUSINESSES REPORTED IN SECTION M, MARK BOX. 5106 S40b. IWER: IF BUSINESS IS ONE OF THE BUSINESSES REPORTED IN SECTION M, MARK BOX. Precoded by Editor in green 1. This job associated with Bus #1 at M5a 2. " " " " Bus #2 " " 3. " " " " Bus #3 " " 4. This job is associated with business listed at M5a, BUT it is a) a business beyond #3 (at M19a-c) or (b) associated with more than one M5a business or (c) NA which business 5. Job not associated with a business at M5a-M19c or a property at E5; NO businesses listed in M5a-M19c and no properties listed at E15 6. (Not codeable in 1-4) R's "second" job is associated with a property in Section E 0. Inap. (No spouse, not currently working, no second job) 4507 R41. How many hours do you work on these other jobs in a normal week? 5107 S41. How many hours does (he/she) work on these other jobs in a normal week? Code # HOURS -2. 95 hours or more; "all the time"; "24 hours a day" -1. None; hours accounted for in main job 0. Inap. (No spouse, not currently working, no second job) 4508 R42. Counting paid vacations as weeks of work, how many weeks do you work on these other jobs in a normal year? 5108 S42. Counting paid vacations as weeks of work, how many weeks does (he/she) work on these other jobs in a normal year? Code # WEEKS 0. Inap. (No spouse, not currently working, no second job) 4509 R43. About how much do you earn before taxes from these other jobs? (Is that per hour, week, month, year, or what?) 5109 S43. About how much does (he/she) earn before taxes from these other jobs? (Is that per hour, week, month, year, or what?) Code actual amount -1. Zero; Nothing yet; Unpaid work in family business/farm 0. Inap. (No spouse, not currently working, no second job) 4510 R43. PER 5110 R43. PER 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 8. Wages per hour edited to $ per week 0. Inap. (No spouse, not currently working, no second job) 4511 R44. Thinking about all your current work for pay, do you consider yourself to be working full-time or part-time? (IF R IS LAID OFF OR A SEASONAL WORKER, ASK ABOUT "JOBS WHEN R IS WORKING".) 5111 S44. Thinking about all (his/her) current work for pay, does(he/she) consider (himself/herself) to be working full-time or part-time? (IF S IS LAID OFF OR A SEASONAL WORKER, ASK ABOUT "JOBS WHEN S IS WORKING".) 1. FULL-TIME 2. PART-TIME 0. Inap. (No spouse, not currently working) ----------------------------------------------------------------------------- WORK HISTORY The questions on employment history were asked directly of new survey respondents. For households in the panel sample, the answers to these questions has been inferred from the 1983 and 1986 data . ----------------------------------------------------------------------------- WORK HISTORY FOR THOSE CURRENTLY WORKING FULL-TIME 4512 R45. (READ SLOWLY:) Now I have a few questions about your past jobs. Including any periods of self-employment, the military, and your current job, since you were 18, how many years have you worked full-time for all or most of the year? (Roughly how many years?) 5112 S45. (READ SLOWLY:) Now I have a few questions about (his/her)past jobs. Including any periods of self- employment, themilitary, and (his/her) current job, since (he/she) was18, how many years has (he/she) worked full-time for all or most of the year? (Roughly how many years?) Code # YEARS -1. NONE 0. Inap. (No spouse, R/S44 not full-time) 4513 R45a. Including any self-employment and your current job, for how many different employers have you worked in full-time jobs lasting one year or more? (If R has worked on current job less than a year -- coded as 1 -- R45a can be 0 or 1.) 5113 S45a. Including any selfemployment and (his/her) current job, for how many different employers has (he/she) worked in full-time jobs lasting one year or more? (If S has worked on current job less than a year -- coded as 1 -- S45a can be 0 or 1.) Code # EMPLOYERS -1. None; not yet worked a full time year 0. Inap. (No spouse, R/S44 not full-time) 4514 R45b. Now, not counting your current job, have you ever had a full-time job that lasted for three years or more? 5114 S45b. Now, not counting (his/her) current job, has (he/she) ever had a full-time job that lasted for three years or more? 1. YES 5. NO 0. Inap. (No spouse, R/S44 not full-time, less than 1 year of full-time employment) 4515 R45c. I want to know about the longest such job you had. Did you work for someone else, were you self-employed, or what? 5115 S45c. I want to know about the longest such job (he/she) had. Did (he/she) work for someone else, was (he/she) self- employed, or what? 1. SOMEONE ELSE 2. SELF-EMPLOYED -7. Other 0. Inap. (No spouse, R/S44 not full-time, no past job of 3 or more years) 4516 R45d. What sort of work were you doing when you left that job? (Tell me a little more about what you did.) 5116 S45d. What sort of work was (he/she) doing when (he/she) left that job? (Tell me a little more about what [he/she] did.) Code 3-digit 1970 Census OCCUPATION Code 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years) 7405 (R) R: 1980 occupation code 7415 (S) Code 3-digit 1980 Census OCCUPATION Code 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years) 4517 R45e. What kind of business or industry did you work in -- that is, what did they make or do at the place where you worked? 5117 S45e. What kind of business or industry did (he/she) work in -- that is, what did they make or do at the place where (he/she) worked? Code 3-digit 1970 Census INDUSTRY Code 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years) 7406 (R) R: 1980 industry code 7416 (S) Code 3-digit 1980 Census INDUSTRY Code 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years) 4518 R45f. When did you start working at that job? 5118 S45f. When did (he/she) start working at that job? Code YEAR 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years) 4519 R45g. When did you stop working at that job? 5119 S45g. When did (he/she) stop working at that job? Code YEAR -1. Didn't stop; still working in this job 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years) 4520 R45h. About how much were you earning before taxes when you stopped? (Is that per hour, week, month, year, or what?) 5120 S45h. About how much was (he/she) earning before taxes when (he/she) stopped? (Is that per hour, week, month, year, or what?) Code actual amount 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years) 4521 R45h. PER 5121 S45h. PER 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 8. Wages per hour edited to $ per week 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years) 4522 R45j. Since you were 18, have there been years when you only worked part-time for all or most of the year? 5122 S45j. Since (he/she) was 18, have there been years when (he/she) only worked part-time for all or most of the year? 1. YES 5. NO 0. Inap. (No spouse, R/S44 not full-time) 4523 R45k. About how many years in total did you work part-time for all or most of the year? 5123 S45k. About how many years in total did (he/she) work part-time for all or most of the year? Code # YEARS -1. None 0. Inap. (No spouse, R/S44 not full-time, never worked part-time for most of a year) 4524 R45m. Thinking now of the future, when do you expect to stop working full-time? 5124 S45m. Thinking now of the future, when does (he/she) expect to stop working full-time? Code YEARS -1. NEVER STOP 0. Inap. (No spouse, R/S44 not full-time) 4525 R45n. Do you expect to work part-time after that? 5125 S45n. Does (he/she) expect to work part-time after that? 1. YES 5. NO 0. Inap. (No spouse, R/S44 not full-time, never expects to stop working full-time) 4526 R45p. When do you expect to stop working altogether? 5126 S45p. When does (he/she) expect to stop working altogether? Code YEARS -1. NEVER STOP 0. Inap. (No spouse, R/S44 not full-time, never expects to stop working full-time, does not expect to work part-time after ending full-time work) WORK HISTORY FOR THOSE CURRENTLY WORKING PART-TIME 4527 R46. Now I have a few questions about your past jobs. Including any periods of self-employment, the military, and your current job, since you were 18, about how many years in total have you worked part-time for all or most of the year? (Roughly how many years?) 5127 S46. Now I have a few questions about (his/her) past jobs. Including any periods of self-employment, the military, and (his/her) current job, since (he/she) was 18, about how many years in total has (he/she) worked part-time for all or most of the year? (Roughly how many years?) Code # YEARS -1. LESS THAN 1 YEAR 0. Inap. (No spouse, R/S44 not part-time) 4528 R46a. Since you were 18, have you ever worked full-time for pay --including any self-employment and the military? 5128 S46a. Since (he/she) was 18, has (he/she) ever worked fulltime for pay -- including any selfemployment and the military? 1. YES 5. NO 0. Inap. (No spouse, R/S44 not part-time) 4529 R46b. How many years have you worked full-time for all or most of the year? (Roughly how many years?) 5129 S46b. How many years has (he/she) worked full-time for all or most of the year? (Roughly how many years?) Code # YEARS -1. None 0. Inap. (No spouse, R/S44 not part-time, never worked full-time) 4530 R46c. INTERVIEWER CHECKPOINT 5130 1. R HAS WORKED AT LEAST 5 YEARS FULL-TIME OR DK 2. ALL OTHERS 0. Inap. (No spouse, R/S44 not part-time, never worked full-time) 4531 R46d. When did you last work full time for pay? 5131 S46d. When did (he/she) last work full time for pay? Code YEAR 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time 5 or more years) 4532 R46e. About how much did you earn before taxes that year? (Is that per hour, week, month, year, or what?) 5132 S46e. About how much did (he/she) earn before taxes that year? (Is that per hour, week, month, year, or what?) Code actual amount 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time 5 or more years) 4533 R46e. PER 5133 S46e. PER 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 8. Wages per hour edited to $ per week 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time 5 or more years) 4534 R46f. Including any self-employment and your current job, for how many different employers have you worked in full-time jobs lasting one year or more? 5134 S46f. Including any self-employment and (his/her) current job,for how many different employers has (he/she) worked in full-time jobs lasting one year or more? Code # EMPLOYERS -1. None 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 4535 R46g. I want to know about the longest full-time job you had. Did you work for someone else, were you self-employed, or what? 5135 S46g. I want to know about the longest fulltime job (he/she)had. Did (he/she) work for someone else, was (he/she) self-employed, or what? 1. SOMEONE ELSE 2. SELF-EMPLOYED -7. OTHER 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 4536 R46h. What sort of work were you doing when you left that job? (Tell me a little more about what you did.) 5136 S46h. What sort of work was (he/she) doing when (he/she) left that job? (Tell me a little more about what [he/she] did.) Code 3-digit 1970 Census OCCUPATION Code 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 7407 (R) R: 1980 occupation code 7417 (S) Code 3-digit 1980 Census OCCUPATION Code 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 4537 R46i. What kind of business or industry did you work in -- that is, what did they make or do at the place where you worked? 5137 S46i. What kind of business or industry did (he/she) work in that is, what did they make or do at the place where (he/she) worked? Code 3-digit 1970 Census INDUSTRY Code 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 7408 (R) R: 1980 industry code 7418 (S) Code 3-digit 1980 Census INDUSTRY Code 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 4538 R46j. When did you start working at that job? 5138 S46j. When did (he/she) start working at that job? Code YEAR 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 4539 R46k. When did you stop working at that job? 5139 S46k. When did (he/she) stop working at that job? Code YEAR -1. Didn't stop; still working (part-time) at that job 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 4540 R46m. About how much were you earning before taxes when you stopped? (Is that per hour, week, month, year, or what?) 5140 S46m. About how much was (he/she) earning before taxes when (he/she) stopped? (Is that per hour, week, month, year, or what?) Code actual amount 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 4541 R46m. PER 5141 S46m. PER 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 8. Wages per hour edited to $ per week 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 4542 R46n. When did you last work full-time for pay? 5142 S46n. When did (he/she) last work fulltime for pay? Code YEAR 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 4543 R46p. Thinking now of the future, do you expect to do any full -time work for pay? 5143 S46p. Thinking now of the future, does (he.she) expect to do any full-time work for pay? 1. YES 5. NO 0. Inap. (No spouse, R/S44 not part-time) 4544 R46q. When do you expect to start working full-time? 5144 S46q. When does (he/she) expect to start working full-time? Code # YEARS 0. Inap. (No spouse, R/S44 not part-time, does not expect to work full-time in future) 4545 R46r. And when do you expect to stop working full-time? 5145 S46r. And when does (he/she) expect to stop working full-time? Code # YEARS -1. NEVER STOP 0. Inap. (No spouse, R/S44 not part-time, does not expect to work full-time in future) 4546 R46s. When do you expect to stop working for pay altogether? 5146 S46s. When does (he/she) expect to stop working for pay altogether? Code # YEARS -1. NEVER STOP 0. Inap. (No spouse, R/S44 not part-time, never expects to stop full-time work) WORK HISTORY FOR THOSE CURRENTLY RETIRED/DISABLED, HOMEMAKER, STUDENT, OR OTHER 4601 R47. Since you were 18 have you ever worked full-time for pay? 5201 S47. Since (he/she) was 18 has (he/she) ever worked full time for pay? 1. YES 5. NO 0. Inap. (No spouse, currently working) 4602 R47a. How many years have you worked full-time for all or most of the year? Include any periods of self-employment, and the military. (Roughly how many years?) 5202 S47a. How many years has (he/she) worked full time for all or most of the year? Include any periods of self-employment, and the military. (Roughly how many years?) Code # YEARS -1. None 0. Inap. (No spouse, currently working, never worked full-time) 4603 R47b. INTERVIEWER CHECKPOINT 5203 S47b. INTERVIEWER CHECKPOINT 1. R HAS WORKED AT LEAST 5 YEARS FULL-TIME OR DK 2. ALL OTHERS 0. Inap. (No spouse, currently working, never worked full-time) 4604 R47c. When did you last work full-time for pay? 5204 S47c. When did (he/she) last work full time for pay? Code YEAR 0. Inap. (No spouse, currently working, never worked full-time, worked full-time 5 years or more) 4605 R47d. About how much did you earn before taxes that year? (Is that per hour, week, month, year, or what?) 5205 S47d. About how much did (he/she) earn before taxes that year? (Is that per hour, week, month, year, or what?) Code actual amount 0. Inap. (No spouse, currently working, never worked full-time, worked full-time 5 years or more) 4606 R47d. PER 5206 S47d. PER 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 8. Wages per hour edited to $ per week 0. Inap. (No spouse, currently working, never worked full-time, worked full-time 5 years or more) 4607 R47e. Including any self-employment and your current job, for how many different employers have you worked in full-time jobs lasting one year or more? 5207 S47e. Including any self-employment and (his/her) current job, for how many different employers has (he/she) worked in full-time jobs lasting one year or more? Code # EMPLOYERS -1. None 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years) 4608 R47f. I want to know about the longest full-time job you had. Did you work for someone else, were you self-employed, or what? 5208 S47f. I want to know about the longest full-time job (he/she) had. Did (he/she) work for someone else, was (he/she) self-employed, or what? 1. SOMEONE ELSE 2. SELF-EMPLOYED -7. OTHER 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years) 4609 R47g. What sort of work were you doing when you left that job? (Tell me a little more about what you did.) 5209 S47g. What sort of work was (he/she) doing when (he/she) left that job? (Tell me a little more about what [he/she] did.) Code 3-digit 1970 Census OCCUPATION Code 0. Inap. 7409 (R) R: 1980 occupation code 7419 (S) Code 3-digit 1980 Census OCCUPATION Code 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years) 4610 R47h. What kind of business or industry did you work in -- that is, what did they make or do at the place where you worked? 5210 S47h. What kind of business or industry did (he/she) work in -- that is, what did they make or do at the place where (he/she) worked? Code 3-digit 1970 Census INDUSTRY Code 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years) 7410 (R) R: 1980 industry code 7420 (S) Code 3-digit 1980 Census INDUSTRY Code 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years) 4611 R47i. When did you start working at that job? 5211 S47i. When did (he/she) start working at that job? Code YEAR 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years) 4612 R47j. When did you stop working at that job? 5212 S47j. When did (he/she) stop working at that job? Code YEAR 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years) 4613 R47k. About how much were you earning before taxes when you stopped? (Is that per hour, week, month, year, or what?) 5213 S47k. About how much was (he/she) earning before taxes when (he/she) stopped? (Is that per hour, week, month, year, or what?) Code actual amount -1. Nothing; zero; "had a loss" 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years) 4614 R47k. PER 5214 S47k. PER 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 8. Wages per hour edited to $ per week 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years) 4615 R47m. Since you were 18, were there any years when you (only) worked part-time for all or most of the year? 5215 S47m. Since (he/she) was 18, were there any years when (he/she) (only) worked part-time for all or most of the year? 1. YES 5. NO 0. Inap. (No spouse, currently working) 4616 R47n. For about how many years did you work part-time (for all or most of the year)? 5216 S47n. For about how many years did (he/she) work part-time (for all or most of the year)? Code # YEARS -1. None 0. Inap. (No spouse, currently working, never worked part-time) 4617 R47p. Do you expect to work for pay in the future? 5217 S47p. Does (he/she) expect to work for pay in the future? 1. YES 5. NO 0. Inap. (No spouse, currently working) 4618 R47q. When do you expect to start working? 5218 S47q. When does (he/she) expect to start working? Code # YEARS 0. Inap. (No spouse, currently working, does not expect to work in future) 4619 R47r. Will any of that be full-time work? 5219 S47r. Will any of that be full-time work? 1. YES 5. NO 0. Inap. (No spouse, currently working, does not expect to work in future) 4620 R47s. When do you expect to start working full-time? 5220 S47s. When does (he/she) expect to start working full-time? Code # YEARS 0. Inap. (No spouse, currently working, does not expect to work in future, does not expect to work full-time in future) 4621 R47t. And when do you expect to stop working full-time? 5221 S47t. And when does (he/she) expect to stop working full-time? Code # YEARS -1. NEVER STOP 0. Inap. (No spouse, currently working, does not expect to work in future, does not expect to work full-time in future) 4622 R47u. When do you expect to stop working for pay altogether? 5222 S47u. When does (he/she) expect to stop working for pay altogether? Code # YEARS -1. NEVER STOP 0. Inap. (No spouse, currently working, does not expect to work in future, does not expect to work full-time in future, never expects to stop full-time work in future) INFORMATION LINKED FROM 1989 CURRENT POPULATION SURVEY BY OCCUPATION CODE FOR PRIOR JOB 8171 (R) R: Unconditional mean wage for occupation group in 1989 8172 (S) For each occupation group, regressions were run separately for males and females of the log of annualized wages on a constant, a spline on age (AGE, MAX(0, AGE-35), MAX(0,AGE-55)), a dummy variable for part-time employment (1 = working 20 or fewer hours per week), a dummy variable for self-employment (1 = self- employed), a dummy for race (1 = Hispanic or non-white), and dummy variables for years of education (1 = : 12 years of education, more than 13 to 15 years of education, 16 years of education, more than 16 years of education). If there were too few people in a CPS 3-digit occupation group, either the SCF case was matched to a neighboring occupation group, or the match was made at the level of the 2-digit occupation code. Some of the model coefficients may be identically zero where there are too few cases in the appropriate cells in the CPS to identify the coefficients. 8125 (R) R: 10000 * Intercept 8126 (S) 8119 (R) R: For age in [1, 35]: 10000 * Coefficient of AGE 8120 (S) 8121 (R) R: For age in [36, 55]: 10000 * Coefficient of MAX(0,AGE-35) 8122 (S) 8123 (R) R: For age in [55, 999]: 10000 * Coefficient of MAX(0,AGE-55) 8124 (S) 8332 (R) R: 10000 * Coefficient of dummy for part-time employment 8333 (S) 8334 (R) R: 10000 * Coefficient of dummy for self-emlpoyment 8335 (S) 8336 (R) R: 10000 * Coefficient of dummy for Hispanic or nonwhite 8337 (S) 8338 (R) R: 10000 * Coefficient of dummy for 12 years of education 8339 (S) 8340 (R) R: 10000 * Coefficient of dummy for 13 to 15 years of education 8341 (S) 8342 (R) R: 10000 * Coefficient of dummy for 16 years of education 8343 (S) 8344 (R) R: 10000 * Coefficient of dummy for more than 16 years of education 8345 (S) 8127 (R) R: 10000 * Standard error log regression 8128 (S) 8129 (R) R: Annualized level of expected income from regression 8130 (S) (corrected for non-zero expectation of error term for level) ----------------------------------------------------------------------------- SOCIAL SECURITY, CURRENTLY RECEIVED PENSIONS, PENSIONS TO BE RECEIVED IN THE FUTURE ----------------------------------------------------------------------------- 5301 R50. Are you (or your [husband/wife]) currently receiving Social Security benefit payments, or any other type of pension, retirement, or disability benefit payment? 1. YES 5. NO 5302 R50a. (Do these include Social Security benefit payments?) 1. YES 5. NO 0. Inap. (Not receiving pension or Social Security income) R50b. (Are you both receiving Social Security payments or is only one of you? [Which one?]) IWER: CHECK PERSON(S) (RESP, SPOUSE) IN R50c. THEN ASK FOLLOWUP QUESTIONS R50d-R50f FOR EACH. 5303 R50c. RECIPIENT -- RESPONDENT 5308 R50c. RECIPIENT -- SPOUSE 1. Checked 5. Not checked (including no spouse) 0. Inap. (not receiving pension or Social Security benefits: X5301^=1; not receiving Social Security: X5302^=1) 5304 R50d. Are (your/your [husband's/wife's] payments for retirement 5309 or are they disability benefits? 1. RETIREMENT 2. DISABILITY 3. Widow's/survivor's benefits -7. Other 0. Inap. (Not receiving pension or Social Security income, no spouse, PERSON not receiving Social Security benefits) For the public use dataset, Widow's/survivor's benefits (3) are combined with Other (-7) in -7. 5305 R50e. How long (have you/has he/has she) received these 5310 benefits? Code # YEARS 0. Inap. (Not receiving pension or Social Security income, no spouse, PERSON not receiving Social Security benefits) 5306 R50f. How much (do you/does he/does she) receive each month or 5311 year? Code actual amount 0. Inap. (Not receiving pension or Social Security income, no spouse, PERSON not receiving Social Security benefits) 5307 R50f. PER 5312 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Not receiving pension or Social Security income, no spouse, PERSON not receiving Social Security benefits) 5313 R51. Are you (or your [husband/wife]) currently receiving any other retirement, pension, or disability benefit payments? 1. YES 5. NO 0. Inap. 5314 R51a. Not counting Social Security, how many retirement, pension or disability benefit payments are you (and your [husband/wife]) currently receiving? (ASKED IF R/S RECEIVING SOCIAL SECURITY BENEFITS, INFERRED FOR OTHERS) Code # PENSION/DISABILITY PAYMENTS 0. Inap. (Not receiving pension or Social Security income) R51b. (RB, P. 13) Who is receiving these benefit payments and what kind are they? IWER: MARK ONE RECIPIENT AND TYPE OF BENEFIT FOR ALL BENEFITS REPORTED. THEN ASK FOLLOWUP QUESTIONS R51d- R51h FOR EACH BENEFIT. 5315(#1) RECIPIENT 5323(#2) 5331(#3) 1. RESPONDENT 5415(#4) 2. SPOUSE 5423(#5) 0. Inap. (Not receiving pension or Social Security income, no spouse) 5431(#6) 5316(#1) R51c. TYPE OF BENEFIT 5324(#2) 5332(#3) 1. CURR JOB PENS 5416(#4) 2. PAST JOB PENS 5424(#5) 3. DISABILITY 5432(#6) 4. MILITARY (retirement or disability) 5. SPOUSE PENS 11. Union pension -7. OTHER 0. Inap. (Not receiving pension or Social Security income, no further benefits) For the public use dataset, Union pension (2) and Past job pension (2) are combined in 2. 5317(#1) R51d. How long have (you/he/she) received this [TYPE] benefit? 5325(#2) 5333(#3) Code # YEARS 5417(#4) 0. Inap. (Not receiving pension or Social Security 5425(#5) income, no further benefits) 5433(#6) 5318(#1) R51e. How much is received each month or year? 5326(#2) 5334(#3) Code actual amount 5418(#4) 0. Inap. (Not receiving pension or Social Security 5426(#5) income, no further benefits) 5434(#6) 5319(#1) R51e. PER 5327(#2) 5335(#3) 2. Week 5419(#4) 3. Biweekly 5427(#5) 4. Month 5435(#6) 5. Quarter 6. Year -7. Other 0. Inap. (Not receiving pension or Social Security income, no further benefits) 5320(#1) R51f. Has this benefit been increased when the cost of living 5328(#2) has increased? 5336(#3) 5420(#4) 1. YES 5428(#5) 5. NO 5436(#6) 0. Inap. (Not receiving pension or Social Security income, no further benefits) 5322(#1) R51h. If (RECIPIENT) were to die, what percent of this benefit 5330(#2) would (you/your husband/your wife) continue to receive or 5338(#3) would the benefits stop? 5422(#4) 5430(#5) Code PERCENT to 2 decimal places 5438(#6) -1. STOP -7. OTHER 0. Inap. (Not receiving pension or Social Security income, no further benefits, no spouse) 5501 R52. Have you (or your [husband/wife]) ever received a cash settlement from a pension or retirement plan of a previous job? 1. YES 5. NO 5502 R52a. How many different cash settlements have you (or your [husband/wife]) received? Code # CASH SETTLEMENTS 0. Inap. (No cash settlements) R52b. FOR EACH SETTLEMENT: Who received it, about how much was received, and when was it received? 5503(#1) R52b. WHO 5506(#2) 5509(#3) 1. RESPONDENT 5512(#4) 2. SPOUSE 5515(#5) 0. Inap. (No cash settlements, no further settlements) 5504(#1) R52c. AMOUNT 5507(#2) 5510(#3) Code actual amount 5513(#4) 0. Inap. (No cash settlements, no further settlements) 5516(#5) 5505(#1) R52d. YEAR RECEIVED 5508(#2) 5511(#3) Code YEAR 5514(#4) 0. Inap. (No cash settlements, no further settlements) 5517(#5) 5601 R53. Now I want to ask about future pension benefits that you (and your[husband/wife]) have earned rights to. Aside from Social Security and any pension benefits you have already told me about, do you (and your [husband/wife]) expect to receive any (other) pension benefits in the future from any past jobs? 1. YES 5. NO 5602 R53a. How many such benefits do you (and your [husband/wife]) expect to receive in the future? Code # FUTURE BENEFITS 0. Inap. (No other future pension benefits) 5603(A) R53b. About (this/the largest/the next) benefit, is this from a 5611(B) pension plan where a certain amount of money is 5619(C) accumulated in an account for you, a formula plan that 5627(D) will give you a specific amount of income each month or 5635(E) year when you retire, or what? 5643(F) 1. INCOME FORMULA 2. ACCOUNT 3. BOTH 0. Inap. (No other future pension benefits, no further future pension benefits) 5604(A) R53c. How much is in the account now? 5612(B) 5620(C) Code actual amount 5628(D) 0. Inap. (No other future pension benefits, no 5636(E) further future pension benefits, an income formula 5644(F) pension) 5606(A) R53e. Is this benefit based on your earnings (or your 5614(B) [husband's/wife's] earnings)? 5622(C) 5630(D) 1. Respondent 5638(E) 2. Spouse 5646(F) 3. R's ex-spouse 4. S's ex-spouse -7. OTHER 0. Inap. (No other future pension benefits, no further future pension benefits) 5607(A) R53f. When do you expect these benefits to start? 5615(B) 5623(C) Code AGE 5631(D) 0. Inap. (No other future pension benefits, no 5639(E) further future pension benefits) 5647(F) 5608(A) R53g. About how much per month do you expect them to be? 5616(B) 5624(C) Code $ amount 5632(D) -1. NONE 5640(E) 0. Inap. (No other future pension benefits, no 5648(F) further future pension benefits) 5609(A) R53g. PER 5617(B) 5625(C) 5633(D) 2. Week 5641(E) 3. Biweekly 5649(F) 4. Month 5. Quarter 6. Year -7. Other 8. Lump sum; one payment only 0. Inap. (No other future pension benefits, no further future pension benefits) ----------------------------------------------------------------------------- INCOME, AGI, MISC. ----------------------------------------------------------------------------- T1. We have talked about various sources of income. Now we would like to get the overall picture of all the different sources of income that you (and members of your family living here) had in 1988. Did (you/anyone) have income from wages and salaries, including bonuses, overtime and commissions? (RECORD IN COLUMN T1 AND ASK T2 FOR EACH SOURCE OF INCOME AS IT IS MENTIONED.) 5701 T1a. WAGES AND SALARIES? 5703 T1b. Did (you/anyone) have income or loss from a professional practice, business or farm? (Other than wages or salaries) 5705 T1c. ...non-taxable investments such as municipal bonds? 5707 T1d. ...other interest income? 5709 T1e. ...dividends? 5711 T1f. ...net gains or losses from the sale of stocks, bonds, or real estate? 5713 T1g. ...net rent, trust income, or royalties from any other investment or business? 5715 T1h. ...unemployment or worker's compensation? 5717 T1j. ...child support or alimony? 5719 T1k. Did (you/anyone) have income from ADC AFDC, food stamps, or other forms of welfare or assistance, such as SSI? 5721 T1m. ...income from Social Security or other pensions, annuities, or other disability or retirement programs? 1. YES 5. NO 5702 T2a. In total, how much income from (SOURCE) did you (and your 5704 family) receive in 1988, before deductions for taxes and 5706 anything else? [WRITE LOSSES ( ).] 5708 5710 Code actual amount 5712 0. Inap. (No SOURCE income) 5714 5716 5718 5720 5722 5723 T1n. Did you (or anyone in your family living here) have income from any other sources? (What other sources?) 1. YES 5. NO 5724(1st) T2n. In total, how much income from (SOURCE) did you (and your 5726(2nd) family) receive in 1988, before deductions for taxes and anything else? [WRITE LOSSES ( ).] Code actual amount 0. Inap. (No other income, no additional sources of other income) 5725(1st) T1n. PROBE: What other sources? 5727(2nd) 1. Settlements: from lawsuits, divorce, insurance 2. Gambling winnings; prize money 3. Education scholarships or grants (not incl. loans); G.I. Bill; "fellowships" 4. Honorarium 11. "IRA", NFS; IRA withdrawal 12. Inheritance/gifts 13. Other help/support from relatives 21. Care of foster child in the home 22. Housing subsidy/rent paid by some (gov't) agency -7. Other 0. Inap. (No other income, no additional sources of other income) For the public use dataset, Education (3), Honoraria (4), Care of foster children (21), and Other (-7) are combined in -7. 5728 SUMMARY: # of Refused $ amounts T2a-T2n Count and code 5729 T3. How much was the total income you (and your family living here) received in 1988 from all sources, before taxes and other deductions were made? Code actual amount -1. Zero; no income 8182 R: Sum of values given in T2a through T2n Code amount 5731 T5. During 1988, did you (or anyone in your family living here) pay any alimony or child support? 1. YES 5. NO 5732 T5a. Altogether, how much alimony and/or child support did you (and your family) pay in 1988? Code actual amount 0. Inap. (Paid no alimony or child support) 5733 T6. During 1988, did you (or anyone in your family living here) provide any (other) financial support for relatives or friends who do not live here? 1. YES 5. NO 5734 T6a. How much support did you (and your family) pay? Code actual amount 0. Inap. (Provided no financial support) T6b. To whom was this support given? (Anyone else?) (CHECK ALL THAT APPLY.) 5735 T6b. A. CHILDREN UNDER 18 5736 T6b. B. CHILDREN 18 AND OVER 5737 T6b. C. PARENTS (IN-LAW) 5738 T6b. D. GRANDCHILDREN 5739 T6b. E. GRANDPARENTS 5740 T6b. F. SIBLINGS (IN-LAW) 5741 T6b. G. NIECE/NEPHEW 5742 T6b. H. FRIEND 5743 T6b. J. OTHER 1. Checked 2. Aunt/uncle (5743 only) 5. Not checked 0. Inap. (Provided no financial support) 5744 T7. Did you (or your [husband/wife]) file or do you expect to file a 1988 Federal Income tax return? 1. YES 5. NO 5746 T7b. Did you and your (husband/wife) file a joint return, did you file separately, or did only one of you file? (Which one?) 1. FILE JOINTLY 2. FILE SEPARATE 3. ONLY R FILE 4. ONLY S FILE 0. Inap. (Did not file 1988 return, not married) T7c. Did you (or your [husband/wife]) file a Schedule C, E or F with your return? (CHECK ALL THAT APPLY.) (IF R ASKS: SCHEDULE "C" IS FOR BUSINESS INCOME, "E" IS FOR TRUST AND PARTNERSHIP INCOME, AND "F" IS FOR FARM INCOME.) 5747 T7c. A. SCHED C 5748 T7c. B. SCHED E 5749 T7c. C. SCHED F 5750 T7c. D. NO 1. Checked 5. Not checked 0. Inap. (Did not file 1988 return) 5751 T7d. Approximately what was your (and your [husband's/wife's]) total adjusted gross income (AGI) on your 1988 return? (What do you think it will be?) Code actual amount -1. Zero; nothing 0. Inap. (Did not file 1988 return) ----------------------------------------------------------------------------- INHERITANCES, MISC. ----------------------------------------------------------------------------- 5801 X1. Have you (or your [husband/wife]) ever received an inheritance, or been given substantial assets in a trust or in some other form? 1. YES (Include if mentioned, inheritances to R's resident "dependent" children--if not from R or spouse. 5. NO 5802 X2. How many of these have you (or your [husband/wife]) ever received? Code # OF INHERITANCES, TRUSTS, OTHER TRANSFERS 0. Inap. (Never received inheritances) For the public use dataset, the number of inheritances is top-coded at 10. 5803(#1) X3. (Thinking about the [largest/next largest] of these) was 5808(#2) that an inheritance, a trust, or what? (CHECK ALL THAT 5813(#3) APPLY.) 1. INHERITANCE 2. TRUST 3. Gift 4. Settlements; insurance; lawsuits 6. Inheritance and trust (1 & 2 checked) -7. OTHER 0. Inap. (Never received inheritances, no further inheritances) For the public use dataset, Settlements (4) and Other (-7) are combined in -7; Inheritance and trust (6) are combined with Inheritance (1) in 1. accounts is top-coded at 20. 5804(#1) X4. What was its approximate value at the time it was 5809(#2) received? 5814(#3) Code actual amount -1. Nothing; zero 0. Inap. (Never received inheritances, no further inheritances) 5805(#1) X5. In what year was it received? 5810(#2) 5815(#3) Code YEAR 0. Inap. (Never received inheritances, no further inheritances) For the public use dataset, the years were rounded to the nearest 5. 5806(#1) X6. From whom was it received? 5811(#2) 5816(#3) 1. GRANDPARENT 2. PARENT (incl. in-law or step-parent) 3. CHILD 4. AUNT/UNCLE 5. SIBLING 6. FRIEND 7. Cousin 11. Deceased spouse 12. Deceased ex-spouse -7. OTHER 0. Inap. (Never received inheritances, no further inheritances) For the public use dataset, Child (3) and Other (-7) are combined in -7; Deceased spouses (11) and Deceased ex-spouses (12) are combined in 11. 5818 (#4) X8. How much altogether were any others you have received? Code actual amount 0. Inap. (Never received inheritances, no further inheritances) 8183 (#1) R: Link code for inheritance/gift reported as source of 8184 (#2) an asset earlier in the questionnaire 8185 (#3) (For #4 only, multiple links may be established: 8186 (#4) these links are coded by summing multiple link codes multiplied by 100 -- e.g. 1506 indicates that there were unlinked assets reported at X8, the principal residence was inherited or received as a gift, and all of these assets are included in variable 5818)) 1. Mobile home site only (Question D11d) 2. Mobile home only (Question D12c) 3. Mobile home site only (Question D15b) 4. Mobile home only (Question D15d) 5. Mobile home and site (Question D15f) 6. Other principal residence (Question D20) 7. Other real estate (Question E20, property #1) 8. Other real estate (Question E20, property #2) 9. Other real estate (Question E20, property #3) 10. Other vacation real estate (Question E36b) 11. Other investment real estate (Question E37a) 12. Active management business (Question M6, business #1) 13. Active management business (Question M6, business #2) 14. Active management business (Question M6, business #3) 15. No link identified 0. Inap. (Never received inheritances, no further inheritances) 5819 X9. Do you (or your [husband/wife]) expect to receive a substantial inheritance or transfer of assets in the future? 1. YES 5. NO 5820 X9a. Is that likely to involve a large amount of money, a moderate amount, or what? 1. LARGE 2. MODERATE 3. Small (volunteered) -7. OTHER 0. Inap. (Does not expect future inheritance) 5821 X9b. IWER: RECORD AMOUNT IF R VOLUNTEERS IT Code actual amount 0. Inap. (Does not expect future inheritance) 5822 X10. During 1988, did you (or anyone in your family living here) make charitable contributions of money or property totaling $500 or more? 1. YES 5. NO 5823 X10a. Roughly, how much did (you/your family) contribute? Code actual amount 0. Inap. (Did not make charitable contributions) 5824 X11. Some people think it is important to leave an estate or inheritance to their surviving heirs, while others don't. Which is closer to your (and your [husband's/wife's]) feelings? Would you say it is very important, important, somewhat important, or not important? 1. VERY IMPORTANT 2. IMPORTANT 3. R & S DIFFER 4. SOMEWHAT IMPORTANT 5. NOT IMPORTANT 5825 X12. Do you (and your [husband/wife]) expect to leave a sizeable estate to others? 1. YES 3. POSSIBLY 5. NO ----------------------------------------------------------------------------- MISC. DEMOGRAPHICS ----------------------------------------------------------------------------- 5901 Y1. I'd now like to ask you some questions about your background. What is the highest grade of school or year of college you completed? 6101 Y17. I'd now like to ask you some questions about your (husband's/wife's/partner's) background. What is the highest grade of school or year of college (he/she) completed? Code number of years 0. Inap. (No spouse) -1. No education 5902 Y1a. Did you get a high school diploma or pass a high school equivalency test? 6102 Y17a. Did (he/she) get a high school diploma or pass a high school equivalency test? 1. YES 5. NO 0. Inap. (No spouse, more than 12 years of education) 5903 Y1b. Since completing your formal education, have you had on- the-job training or other vocational training lasting 100 hours or more? 6103 Y17b. Since completing (his/her) formal education, has (he/she) had on-the-job training or other vocational training lasting 100 hours or more? 1. YES 5. NO 0. Inap. (No spouse, more than 12 years of education) 5904 Y1c. Did you get a college degree? 6104 Y17c. Did (he/she) get a college degree? 1. YES 5. NO 0. Inap. (No spouse, fewer than 12 years of education and less than 17 years of education) 5905 Y1d. What is the highest degree you have earned? 6105 Y17d. What is the highest degree (he/she) earned? 1. ASSOCIATES 2. BACHELORS 3. MA/MBA 4. PHD 5. MD; DDS 6. LAW -7. OTHER 0. Inap. (No spouse, fewer than 12 years of education, no college degree) For the public use dataset, PHD (4), MD; DDS (5) and LAW (6) are combined in 4. 5906 Y2. Have you ever been in the military service? 6106 Y18. Has (he/she) ever been in the military service? 1. YES 5. NO 0. Inap. (No spouse) 5907 Y3. What is the month and year of your birth?--MONTH 6107 Y19. What is the month and year of (his/her) birth?--MONTH Code MONTH 0. Inap. (No spouse) 5908 Y3. What is the month and year of your birth?--YEAR 6108 Y19. What is the month and year of (his/her) birth?--YEAR Code YEAR 1890. 1890 or earlier 0. Inap. (No spouse) 5909 Y4. Are you American Indian, Asian, Hispanic, black, white, or another race? 1. AMERICAN INDIAN/ESKIMO/ALEUT 2. ASIAN 3. HISPANIC 4. BLACK 5. WHITE -7. OTHER For the public use file, American Indian/Eskimo/Aleut and Asian are combined with the OTHER (-7) category. 5910 Y5. Now I'd like to ask some questions about your family living elsewhere. Altogether, including children from previous marriages and adopted children, how many sons and daughters do you (or your [husband/wife]) have who do not live with you? Code # CHILDREN -1. NONE 5911 Y5a. How many of them are 25 or older? Code # 25 OR OLDER -2. ALL OF THEM -1. NONE 0. Inap. (No children outside home) 5912 Y5b. And how many of them are less than 18 years old? (INFERRED WHERE Y5a = ALL OF THEM) Code # LESS THAN 18 -2. ALL OF THEM -1. NONE 0. Inap. (No children outside home) 5913 Y6. How many living brothers and sisters do you have? 6109 Y20. How many living brothers and sisters does (he/she) have? Code # BROTHERS/SISTERS -1. NONE 0. Inap. (No spouse) 5914 Y6a. How many are older than you? 6110 Y20a. How many are older than (he/she) is? Code # OLDER -2. ALL -1. NONE 0. Inap. (No spouse, no living siblings) 6026 Y14. Now I'd like to ask about your parents. Is your mother still living? 6120 Y23. Is your (husband's/wife's/partner's) mother still living? 1. YES 5. NO 0. Inap. (No spouse) 6027 Y14a. What is her age? 6121 Y23a. What is her age? Code AGE 0. Inap. (No spouse, mother not living) Age is rounded to the nearest 5 years. 6028 Y14b. Is your father still living? 6122 Y23b. Is your (husband's/wife's/partner's) father still living? 1. YES 5. NO 0. Inap. (No spouse) 6029 Y14c. What is his age? 6123 Y23c. What is his age? Code AGE 0. Inap. (No spouse, father not living) Age is rounded to the nearest 5 years. ----------------------------------------------------------------------------- MARITAL HISTORY RECODE VARIABLES ----------------------------------------------------------------------------- When sufficient underlying data were available, the following marital history variables were constructed directly. For 1986 panel cases these variables were computed using marital history information obtained in 1986 SCF updated with new quesions; for new cross-section cases and those with no 1986 interview, these variables were computed using new questions. Where sufficient data were not collected to infer this information directly, the missing information was imputed. See the panel and cross-section questionnaires for the underlying questions. 8001 (R) R: Total number of marriages (incl. current partner) 8013 (S) Code number 0. None 8002 (R) R: Total number of times divorced 8014 (S) Code number 0. None; Inap. 8003 (R) R: Total number of times widowed 8015 (S) Code number 0. None; Inap. 8004 R: Month current marriage or partnership began Code month 0. Inap. 8005 R: Year current marriage or partnership began Code year 0. Inap. 8006 (R) R: Month most recent past marriage ended (or separated) Code month 0. Inap. 8007 (R) R: Year most recent past marriage ended (or separated) 8016 (S) Code year 0. Inap. 8008 (R) R: Year most recent past marriage began 8017 (S) Code year 0. Inap. 8009 (R) R: Year next most recent marriage ended Code year 0. Inap. 8010 (R) R: Year next most recent marriage began Code year 0. Inap. 8011 (R) R: Age at first marriage 8018 (S) Code age 0. Inap. 8012 (R) R: Total number of years married, H 8019 (S) Code number of years 0. Inap. 5925 Y8b. Do you receive support from your (husband/wife), do you pay support, or is there no support involved? (ASKED OF SEPARATED RESPONDENTS) 1. RECEIVE SUPPORT 2. NO SUPPORT INVOLVED 3. PAY SUPPORT 0. Inap. 5926 Y8c. How much do you receive? (ASKED OF SEPARATED RESPONDENTS RECEIVING SUPPORT) Code actual amount 0. Inap. 5927 Y8c. PER (ASKED OF SEPARATED RESPONDENTS RECEIVING SUPPORT) 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. 5928 Y8d. How much do you pay? (ASKED OF SEPARATED RESPONDENTS PAYING SUPPORT) Code actual amount 0. Inap. 5929 Y8d. PER (ASKED OF SEPARATED RESPONDENTS PAYING SUPPORT) 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. 5930 Y8e. Are the assets and debts that you've told me about in this interview owned mainly by you, are they owned jointly with your (husband/wife), or what? (ASKED OF SEPARATED RESPONDENTS) 1. OWNED BY R 2. OWNED JOINTLY -7. OTHER 0. Inap. 6111 Y21. Has your (husband/wife/partner) been married before? 1. YES 5. NO 0. Inap. 6112 Y22. Altogether, how many times was your (husband/wife/partner) married before? Code NUMBER 0. Inap. 6113 Y22a. When did (his/her) first marriage begin? Code YEAR 0. Inap. 6114 Y22b. And when did that marriage end? Code YEAR 0. Inap. 6115 Y22c. Did that marriage end in divorce, or was (he/she) widowed? 3. Separated and not yet divorced 4. DIVORCE 5. WIDOWED 0. Inap. 6116 Y22d. Did any of these marriages end by your (husband/wife/ partner) being widowed? 1. YES 5. NO 0. Inap. 6117 Y22e. How many? Code # TIMES WIDOWED 0. Inap. 6118 Y22f. At what age was your (husband/wife/partner) first married? Code YEARS OLD 0. Inap. 6119 Y22g. Finally, for about how many years in total has your (husband/wife/partner) been married? (ACCEPT RANGE) Code YEARS 0. Inap. ----------------------------------------------------------------------------- HEALTH ----------------------------------------------------------------------------- 6030 Y15. Now I'd like to ask you about your health; would you say your health is excellent, good, fair, or poor? 6124 Y24. Now I'd like to ask you some questions about your family's health; would you say your (husband's/wife's/partner's) health in general is excellent, good, fair, or poor? 1. EXCELLENT 2. GOOD 3. FAIR 4. POOR 0. Inap. (No spouse) READ: For the rest of the questions in the interview, please include the adults in your household who have independent finances. 6202 Y25a. Do you or anyone in your household (including those with independent finances) have any persistent or chronic health conditions or problems? (R DOES NOT LIVE ALONE) Y26. Do you have any persistent or chronic health conditions or problems? (R LIVES ALONE) 1. YES 5. NO Y25b. Which household members have these health conditions or problems and what are they? (Any others?) (LIST FAMILY MEMBERS BY RELATION TO R) (ASKED FOR R DOES NOT LIVE ALONE; FILLED IN FOR R LIVES ALONE) 6203(#1) Y25c. HOUSEHOLD MEMBER 6207(#2) 6211(#3) 1. RESPONDENT 6215(#4) 2. Spouse of Respondent 6219(#5) 3. "Partner" of Respondent 4. Child (incl. in-laws) 13. Partner's child 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" (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 0. Inap. (No chronic health conditions, no further chronic health conditions) 6204(#1) Y25d. AGE (ASKED FOR R DOES NOT LIVE ALONE; FILLED IN 6208(#2) FOR R LIVES ALONE) 6212(#3) 6216(#4) Code AGE 6220(#5) 0. Inap. (No chronic health conditions, no further chronic health conditions) Ages of household members other than the respondent and spouse are rounded to the nearest 5 years 6205(#1a) Y25e. HEALTH CONDITIONS (R DOES NOT LIVE ALONE) 6206(#1b) Y26a. What are these health conditions or problems? (Any 6209(#2a) others?) (R LIVES ALONE) 6210(#2b) 6213(#3a) If a person has more health conditions than there is 6214(#3b) room to code: 6217(#4a) 1) if there is room, code that person more than once 6218(#4b) (i.e., use 2 or more adjacent person mentions for 6221(#5a) the same person--same REL & AGE); 6222(#5b) 2) otherwise, attempt to select the 2 most serious health problems for the person who has excess mentions; 3) if you're still stuck--see Supervisor. HEALTH CONDITIONS MASTER CODE (revised version for 1989 SCF) Cancers and tumors; skin conditions 101. Cancer--any site or type; leukemia; Hodgkin's disease; melanomas; "tumors" if specified as malignant 102. Tumors, cysts or growths (exc. 101); "polyps" 103. Skin conditions--any mention exc. cancer (101) or tumor (102); dermatitis; eczema; "rashes" Musculoskeletal system and connective tissue 111. Arthritis; rheumatism; bursitis 112. Back or spine problems: chronic stiffness, deformity or pain; disc problems; scoliosis; spinal bifida; "bad back" 113. Stiffness, deformity or chronic pain in foot, leg, arm or hand (exc. 104); "bad knee" 114. Missing legs, feet, arms, hands, or fingers (from amputation or congenital deformity) 115. Paralysis--any mention (incl. from polio) 116. Hernias; hiatal hernia 117. Muscular dystrophy 119. Other musculoskeletal or connective tissue problems; lupus; osteoporosis; pinched nerve Heart, circulatory and blood conditions 121. Heart problems: heart attack (coronary) or failure; arteriosclerosis; aneurysms; heart deformities; angina; "bad heart"; congestive heart disease 122. High blood pressure (hypertension) 123. Stroke; cerebral hemorrhage or accident 124. Blood disorders: anemia; hemophilia; polycythemia; "bad blood" 129. Other circulatory problems; phlebitis, clots, embolisms; varicose veins; hemorrhoids; low blood pressure Respiratory system conditions 131. Allergies; hayfever; sinusitis; tonsillitis 132. Asthma 133. Bronchitis; pneumonia; "acute upper respiratory problems" 134. Emphysema 139. Other respiratory problems; tuberculosis Endocrine, metabolic and nutritional conditions 141. Diabetes 142. Thyroid trouble; goiter 143. Cystic fibrosis 144. Nutritional problems; weight problems; eating disorders; high cholesterol 149. Other endocrine/metabolic problems; pancreatitis; pituitary problems Digestive system (stomach, liver, gallbladder, kidney, bladder) 151. Stomach and intestinal conditions: ulcers; colitis; gastritis; diverticulosis; appendicitis; Chron's disease; "stomach pains" 152. Liver conditions: cirrhosis; hepatitis 153. Kidney conditions: kidney stones; kidney failure (incl. dialysis) 154. Gallbladder conditions 155. Bladder conditions 159. Other digestive system problems Neurological and sensory conditions 161. Blindness or vision problems: glaucoma; cataracts; detached retina 162. Deafness, hearing loss or other ear conditions 163. Multiple sclerosis; cerebral palsy; epilepsy; Parkinson's; ALS 164. Speech conditions--any mention: congenital speech defects; stuttering 165. Mental retardation; learning disabilities; Down syndrome 169. Other neurological/sensory problems; sciatica; "headaches"; "dizziness"; "blackouts" Reproductive system and prostate conditions 171. Pregnancy and childbirth problems; miscarriage; stillbirth; RH factor 172. Infertility; sterilization; vasectomy; tubal ligation 173. Prostate conditions 179. Other problems of reproductive system; hysterectomy; ovarian problems; PMS; menopause Emotional and psychological conditions 181. Alcoholism 182. Drug abuse, addiction 183. Other severe psychological conditions: (chronic) depression; schizophrenia; mania; paranoia; autism 189. Other emotional and psychological problems; "mental problems"; "nerves"; "nervous breakdown" Miscellaneous 191. Alzheimer's disease; "senility" 192. Dental and gum conditions--any mention 193. Infectious diseases; flu, colds, fever, mumps, etc. 194. Injuries and traumas: broken bones; pulled muscles; strains; tendon damage; burns, lacerations; concussion -7. Other health condition 0. Inap. (No chronic health conditions, no further chronic health conditions) HEALTH CONDITIONS ALPHABETIC LIST 149. Acromegaly 133. Acute upper respiratory diseases 181. Alcoholism 131. Allergies 103. Alopecia 191. Alzheimer's disease 114. Amputation of limbs 124. Anemia 121. Aneurysm 121. Angina 183. Anxiety 151. Appendectomy 151. Appendicitis 121. Arterial blockage 121. Arteries, hardening 121. Arteriosclerosis 111. Arthritis 132. Asthma 194. Back injuries 112. Back, bad 189. Behavioral problems 102. Benign tumors 183. Bipolar depression 171. Birth of child 139. Black lung 155. Bladder conditions 161. Blindness 129. Blood clots 124. Blood disorders, specific 124. Blood disorders, NFS 194. Bones, broken/damaged from injuries/accidents 151 Bowel, irritable 194. Brain damage, from injuries/accidents 169. "Brain damage," NFS 139. Breathing problems 133. Bronchitis 194. Burns 111. Bursitis 121. Bypass surgery 101. Cancer 101. Carcinoma 161. Cataracts 163. Cerebral palsy ??? Chest pains 171. Childbirth 171. Childbirth, hemorrhaging from 171. Childbirth, complications from 144. Cholesterol, high 129. "Circulation" 129. Circulatory system, other specific 152. Cirrhosis 193. Colds 151. Colitis 151. Colostomy 194. Concussions 121. Congestive heart disease 161. Conjunctivitis 121. Coronary 151. Crohn's disease 143. Cystic fibrosis 155. Cystitis 102. Cysts 162. Deafness 183. Depression 103. Dermatitis 161. Detached retina 141. Diabetes 153. Dialysis 112. Disc, slipped 112. Disc, worn 151. Diverticulosis 182. Drug addiction 182. Drug dependence 179. Dysmenorrhea 162. Ear conditions, all 103. Eczema 134. Emphysema 179. Endometriosis 151. Enteritis 163. Epilepsy 171. Episiotomy 161. Eye conditions, NFS 179. Female problems 193. "Fever" 193. "Flu" 154. Gallbladder conditions 154. Gallbladder, removal 154. Gallstones 151. Gastritis 161. Glaucoma 149. Gout 149. Gland problem 102. "Growths" 179. Gynecological problems, NFS 142. Goiter 131. Hayfever 162. Hearing, loss of 121. Heart attack 121. Heart bypass surgery 121. Heart condition, NFS 121. Heart deformities, congenital 121. Heart murmurs 121. Heart valve blockage 121. Heart valve prolapse 121. Heart valve replacement 124. Hemophilia 129. Hemorrhoids 152. Hepatitis 116. Hernia, hiatal 122. High blood pressure 141. High blood sugar 149. Hormone problems 149. Hyperpituitarism 122. Hypertension 149. Hypoglycemia 179. Hysterectomy 151. Ileitis 193. "Infection" 172. Infertility 193. Influenza 194. Injuries, accidental 189. Insomnia 151. Intestinal conditions 151. Irritable bowel conditions 152. Jaundice 153. Kidney failure 153. Kidney removal 153. Kidney stones 113. Knee, bad 194. Lacerations 164. Laryngectomy 189. Learning disabilities 101. Leukemia 152. Liver conditions 142. Low blood sugar 119. Lupus 101. Malignant tumors 183. Manic-depression 193. Measles 101. Melanoma 101. Melanoma, removal 162. Meniere's disease 179. Menopause 179. Menstrual periods, painful 189. Mental health problem, vague 189. Mental problems 165. Mental retardation 169. Migraines 171. Miscarriage 121. Mitral valve prolapse 102. Mole removal 193. Mononucleosis 163. Multiple sclerosis 193. Mumps 117. Muscular dystrophy 119. Myasthenia gravis 121. Myocardial infarction 121. Myocardial schemia 194. Neck injuries 153. Nephritis 119. Nerve, pinched 189. Nerves, bad 189. Nervous breakdown 189. Nervous condition 119. Neuritis 144. Obesity 144. Overweight 119. Osteoporosis 149. Pancreatitis 183. Panic attacks 163. Parkinson's disease 151. Peritonitis 129. Phlebitis 139. Pleurisy 133. Pneumonia 115. Polio 124. Polycythemia 102. Polyps 179. Premenstrual syndrome (P.M.S.) 173. Prostate conditions 103. Psoriasis 194. Pulled muscle 103. Rash, skin 179. Reproductive organs, removal of (exc. for cancer, tumors) 133. Respiratory diseases, acute upper 161. Retina, detached 161. Retina, torn 121. Rheumatic heart disease 111. Rheumatism 193. Rubella 139. Sarcoidosis 169. Sciatica/sciatic nerve problem 112. Scoliosis 191. Senility 169. "Shaky hands" 169. Shingles 124. Sickle cell anemia 131. Sinusitis 194. Skull bone injuries 194. Skull fracture 164. Speech conditions, all 164. Speech impediment 194. Spinal cord damage, from injuries/accident 194. Sprain 171. Stillbirth 151. Stomach conditions 151. Stomach pains 151. Stomach, removal 193. Strep throat 123. Stroke 164. Stuttering 172. Sterilization 142. Thyroid problems 131. Tonsillitis 139. Tuberculosis 102. Tumors, benign 101. Tumor, malignant (or cancerous) 102. Tumor, NA whether malignant or benign 172. Tubal ligation 172. Tubes tied 151. Ulcerative colitis 151. Ulcers, stomach (peptic or duodenal) 103. Ulcers, skin 172. Vasectomy 129. Varicose veins 193. "Virus," NFS 161. Vision problems, NFS 144. Vitamin deficiency 102. Warts 144. Weight problems 0. Inap. (No chronic health conditions, no further chronic health conditions) ----------------------------------------------------------------------------- HEALTH INSURANCE ----------------------------------------------------------------------------- 6301 Y29. Are you or anyone in your household (including family members with independent finances) currently eligible to receive benefits from any government health insurance programs, such as Medicare, Medicaid, or CHAMPUS, VA, or other military programs? (R DOES NOT LIVE ALONE) Y27. Are you currently eligible to receive benefits from any government health insurance programs, such as Medicare, Medicaid, or CHAMPUS, VA, or other military programs? (R LIVES ALONE) 1. YES 5. NO Y29a. Which program is that? (Anything else?) (CHECK ALL THAT APPLY.) (IWER: ONLY PERSONS 65 OR OLDER SHOULD BE ELIGIBLE FOR MEDICATE. ONLY POOR PERSONS SHOULD BE ELIGIBLE FOR MEDICAID. CHAMPUS IS FOR ACTIVE MILITARY.) (R DOES NOT LIVE ALONE) Y27a. Which program is that? (Anything else?) (CHECK ALL THAT APPLY.) (IWER: ONLY PERSONS 65 OR OLDER SHOULD BE ELIGIBLE FOR MEDICARE. ONLY POOR PERSONS SHOULD BE ELIGIBLE FOR MEDICAID. CHAMPUS IS FOR ACTIVE MILITARY.) (R LIVES ALONE) 6302 Y27a./Y29a. A. MEDICARE 6303 Y27a./Y29a. B. MEDICAID (include MediCal) 6304 Y27a./Y29a. C. VA/CHAMPUS 6305 Y27a./Y29a. D. OTHER 1. Checked 5. Not checked 0. Inap. (Not eligible for any government health insurance programs) 6306 Y29b. Is everyone living here covered by (this/one of these) program(s)? 1. YES 5. NO 0. Inap. (Not eligible for any government health insurance programs) Y29d. Who is not covered? (Anyone else?) (CHECK ALL THAT APPLY.) 6308 Y29d. A. R 6309 Y29d. B. SPOUSE 6310 Y29d. C. CHILD(REN) UNDER 18 6311 Y29d. D. CHILD(REN) 18 AND OVER 6312 Y29d. E. FATHER (IN-LAW) 6313 Y29d. F. MOTHER (IN-LAW) 6314 Y29d. G. OTHER: 1. Checked 2. Grandchild (6314 only) 5. Not checked 0. Inap. (Not eligible for any government health insurance programs, everyone covered by government health insurance programss) 6315 Y29c. Do you or anyone living here have any other type of health coverage such as employer plans, or Blue Cross-Blue Shield, or a Health Maintenance Organization? (R DOES NOT LIVE ALONE) Y30. Do you or anyone living here have any (other) type of health coverage such as employer plans, or Blue Cross-Blue Shield, or a Health Maintenance Organization? Y27b. Do you have any other type of health coverage such as employer plans, or Blue Cross-Blue Shield, or a Health Maintenance Organization? (R LIVES ALONE) Y28. Do you have any type of health coverage such as employer plans or Blue Cross-Blue Shield, or a Health Maintenance Organization? (R LIVES ALONE) 1. YES 5. NO Y31. Is this coverage obtained through your employer, former employer, or union, (your [husband's/wife's/partner's] employer, former employer, or union,) through direct payments to an insurance company, or what? (CHECK ALL THAT APPLY.) Y28a. Is this coverage obtained through your employer or former employer, a union, through direct payments to an insurance company, or what? (CHECK ALL THAT APPLY.) (R LIVES ALONE) 6316 Y28a./Y31. A. R'S EMPLOYER (incl. R's own business) 6317 Y28a./Y31. B. R'S FORMER EMPLOYER 6318 Y28a./Y31. C. R'S UNION 6319 Y31. D. S'S EMPLOYER 6320 Y31. E. S'S FORMER EMPLOYER 6321 Y31. F. S'S UNION 6322 Y28a./Y31. G. DIRECT PAYMENT 6323 Y28a./Y31. H. OTHER: 1. Checked 2. Employer of HU member (except R or Spouse) (6323 only) 3. Through a relative outside the HU (incl. Ex-spouse); former spouse's employer (R lives alone) (6323 only) 5. Not checked 0. Inap. (No private health insurance coverage) Y31a. How is this coverage paid for -- by you or someone in your household, by an employer, by you and an employer, by a relative not living here, or what? (CHECK ALL THAT APPLY.) (R DOES NOT LIVE ALONE) Y28b. How is this coverage paid for -- by you, by an employer, by you and an employer, by a relative, or what? CHECK ALL THAT APPLY. (R LIVES ALONE) 6324 Y28b./Y31a. A. R/FAMILY 6325 Y28b./Y31a. B. EMPLOYER (incl. R's or S's own business) 6326 Y28b./Y31a. C. RELATIVE 6327 Y28b./Y31a. D. FORMER EMPLOYER 6328 Y28b./Y31a. E. OTHER: 1. Checked 2. Employer of someone else in HH other than R/Spouse (6328 only) 3. Employer of person outside HH, incl. relatives/ ex-spouse (6328 only) 5. Not checked 0. Inap. (No private health insurance coverage) 6329 Y31b. Is everyone in your household covered by at least one of these private health programs? 1. YES 5. NO 0. Inap. (No private health insurance coverage) Y31c. Who is not covered (including those with independent finances)? (Anyone else?) (CHECK ALL THAT APPLY.) 6330 Y31c. A. R 6331 Y31c. B. SPOUSE/PARTNER 6332 Y31c. C. CHILD(REN) UNDER 18 6333 Y31c. D. CHILD(REN) 18 AND OVER 6334 Y31c. E. FATHER (IN-LAW) 6335 Y31c. F. MOTHER (IN-LAW) 6336 Y31c. G. OTHER: 1. Checked 2. Other adult relative(s) (6336 only) 3. Non-relative(s) (6336 only) 5. Not checked 0. Inap. (No private health insurance coverage, everyone covered by private health insurance) 6337 Y32. (RB, P. 14) This is a list of reasons why some people don't have health insurance. Which number best describes why (you/some members of your household) are not covered? 1. TOO EXPENSIVE, CAN'T AFFORD HEALTH INSURANCE 2. CAN'T GET INSURANCE BECAUSE OF POOR HEALTH, AGE, OR ILLNESS 3. DON'T BELIEVE IN HEALTH INSURANCE 4. NOT MUCH SICKNESS IN THE FAMILY; WE HAVEN'T NEEDED INSURANCE 5. DISSATISFIED WITH PREVIOUS INSURANCE 6. JOB LAYOFF OR JOB LOSS 11. Not covered on job yet, but will be soon 95. Those without private insurance are already covered by Medicare/Medicaid -7. OTHER 0. Inap. (Has private health insurance coverage or all covered by a government program) ----------------------------------------------------------------------------- FINANCES OF OTHER ECONOMIC UNITS WITHIN THE HOUSEHOLD ----------------------------------------------------------------------------- 6401 Y33. INTERVIEWER CHECKPOINT 1. 1 OR MORE ADULTS WITH INDEPENDENT FINANCES (COL. F MARKED "INDEP") 2. ALL OTHERS 0. Inap. (R lives alone) 6402 Y34. I'd like to ask some questions just about the other adults 22 and over who live with you (and your family) but have independent finances. (Does he/Does she/Do any of these other adults) receive any income from wages or salaries? 1. YES 5. NO 0. Inap. (No adults with independent finances) 6403 Y34a. Roughly how much total income did (he/she/they) have from wages and salaries in 1988 before taxes and deductions? (ACCEPT RANGE.) Code actual amount -1. Zero; none in 1988 0. Inap. (No adults with independent finances, independent adults have no wages/salaries) 6405 Y35. (Does he/Does she/Do they) receive income from any other sources (such as social security, a pension, disability payments, public assistance, or income from a business or other assets)? 1. YES 5. NO 0. Inap. (No adults with independent finances) Y35a. What other sources of income (does he/does she/do they) have? (CHECK ALL THAT APPLY.) 6406 Y35a. A. SOCIAL SECURITY 6407 Y35a. B. PENSIONS 6408 Y35a. C. DISABILITY 6409 Y35a. D. PUBLIC ASSISTANCE 6410 Y35a. E. INTEREST INCOME 6411 Y35a. F. DIVIDENDS 6412 Y35a. G. BUSINESS 6413 Y35a. H. REAL ESTATE 6414 Y35a. J. OTHER 1. Checked 5. Not checked 0. Inap. (No adults with independent finances, independent adults have no income from other sources) 6415 Y35b. Roughly how much total income did (he/she/they) have from (all these/this) source(s) in 1988 before taxes and deductions? Code actual amount -1. Zero; none in 1988 0. Inap. (No adults with independent finances, independent adults have no income from other sources) 6417 Y36. (Does he/Does she/Do any of them) have any cars or other vehicles? 1. YES 5. NO 0. Inap. (No adults with independent finances) 6418 Y36a. Roughly, how much (is this/are these) vehicle(s) worth in today's prices? (ACCEPT RANGE.) Code actual amount -1. Zero; worth nothing 0. Inap. (No adults with independent finances, independent adults have no vehicles) 6420 Y37. (Does he/Does she/Do they) have any bank accounts, savings accounts, or savings bonds? 1. YES 5. NO 0. Inap. (No adults with independent finances) 6421 Y37a. Roughly, how much in total (does he/does she/do they) have in bank accounts, savings accounts, or savings bonds? (ACCEPT RANGE.) Code actual amount -1. Zero; account with no balance 0. Inap. (No adults with independent finances, independent adults have no accounts/savings bonds) 6423 Y38. (Does he/Does she/Do they) have any other assets (such as stocks, bonds, a business, or any properties, including any part of the [house/apartment] you live in)? 1. YES 5. NO 0. Inap. (No adults with independent finances) Y38a. What other kinds of assets (does he/does she/do they) have? (CHECK ALL THAT APPLY.) 6424 Y38a. A. R'S HOME 6425 Y38a. B. STOCKS 6426 Y38a. C. BONDS 6427 Y38a. D. MUTUAL FUNDS 6428 Y38a. E. MONEY MARKET FUNDS 6429 Y38a. F. BUSINESS 6430 Y38a. G. OTHER REAL ESTATE 6431 Y38a. H. OTHER 1. Checked 5. Not checked 0. Inap. (No adults with independent finances, independent adults have no other assets) 6432 Y38b. Roughly, how much in total (does he/does she/do they) have in (all these/this) asset(s)? (ACCEPT RANGE.) Code actual amount -1. Zero value; currently a loss 0. Inap. (No adults with independent finances, independent adults have no other assets) 6435 Y39a. What share of this home (does he/does she/do they) own? Code PERCENT to 2 decimal places 0. Inap. (No adults with independent finances, independent adults do not own part of R's home) 6436 Y39b. What is the present value of this home? I mean, about what would it bring if it were sold today? Code actual amount 0. Inap. (No adults with independent finances, independent adults do not own part of R's home) 6437 Y39c. What is the amount still owed on all the mortgages, land contracts and loans on the home? (ACCEPT RANGE.) Code actual amount -1. NOTHING 0. Inap. (No adults with independent finances, independent adults do not own part of R's home) 6438 Y40. Not including any debts (he/she/they) owe(s) you (or your [husband/wife]), (does he/does she/do they) have any debts? (IF R ASKS: DO NOT INCLUDE MORTGAGE ON R'S HOME.) 1. YES 5. NO 0. Inap. (No adults with independent finances) 6439 Y40a. Roughly how much in total are (his/her/their) debts? Code actual amount 0. Inap. (No adults with independent finances, independent adults do have any debts) ----------------------------------------------------------------------------- EXPECTATIONS AND ATTITUDES ----------------------------------------------------------------------------- 301 A1. I'd like to start this interview by asking you about your expectations for the future. Over the next five years, do you expect the U.S. economy as a whole to perform better, worse, or about the same as it has over the past five years? 1. BETTER 2. WORSE 3. ABOUT THE SAME 302 A2. Five years from now, do you think interest rates will be higher, lower, or about the same as today? 1. HIGHER 2. LOWER 3. ABOUT THE SAME 303 A3. Over the next five years, do you expect your total (family) income to go up more than prices, less than prices, or about the same as prices? 1. UP MORE 2. UP LESS 3. ABOUT THE SAME 304 A4. Over the past five years, did your total (family) income go up more than prices, less than prices, or about the same as prices? 1. UP MORE 2. UP LESS 3. ABOUT THE SAME 401 B1. Now I would like to ask you some questions about how you feel about credit. In general, do you think it is a good idea or a bad idea for people to buy things on the installment plan? 1. GOOD IDEA 3. GOOD IN SOME WAYS, BAD IN OTHERS 5. BAD IDEA B2. People have many different reasons for borrowing money which they pay back over a period of time. For each of the reasons I read, please tell me whether you feel it is all right for someone like yourself to borrow money... 402 B2a. first, to cover the expenses of a vacation trip? 403 B2b. next, to cover living expenses when income is cut? 404 B2c. (next,) to finance the purchase of a fur coat or jewelry? 405 B2d. (next,) to finance the purchase of a car? 406 B2e. finally, to finance educational expenses? 1. YES 5. NO 407 B3. In the past five years, has a particular lender or creditor turned down any request you (or your [husband/wife]) made for credit, or not given you as much credit as you applied for? (Turned down, or not as much credit?) 1. YES, TURNED DOWN 3. YES, NOT AS MUCH CREDIT 5. NO 408 B3a. Were you later able to obtain the full amount you (or your husband/wife) requested by reapplying to the same institution or by applying elsewhere? 1. YES 5. NO 0. Inap. (Not turned down) 409 B4. Was there any time in the past five years that you (or your [husband/wife]) thought of applying for credit at a particular place, but changed your mind because you thought you might be turned down? 1. YES 5. NO 3001 H16. R HAS ANY LOANS -- RECODED FROM INTERVIEWER CHECKPOINT 1. R HAS ANY TYPE OF LOAN OR DEBT -- MORTGAGE, HOUSING LOAN, PROPERTY, VEHICLE OR OTHER LOANS 2. ALL OTHERS 3. CHECKED "NO DEBTS," BUT R HAD DEBTS 4. CHECKED "DEBTS," R HAD NO DEBTS 3002 H17. (RB, P. 2) Thinking about the loan or mortgage that you took out most recently, what was the main reason you chose the lender that you did? (Was it because of the location of their offices, because they had the best interest rates, because you were able to obtain many services at one place, because they were recommended by someone else, or some other reason?) 1. RECOMMENDED 2. INTEREST RATES 3. LOCATION OF OFFICES 4. Other business done here 5. Easy to qualify (for credit); only place that would give us a loan 6. MANY SERVICES IN ONE PLACE 7. Low fees/service charges 8. Safety 9. Other convenience mentions: payroll deduction feature; "convenience"--NFS 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 store/dealer and this was their financial institution -7. OTHER 0. Inap. (R has no loans) 3003 H18. (Not using the booklet.) (READ SLOWLY:) Again thinking about the same loan, roughly how far was the office where the application was made from the home or workplace of the person who made the application? (IF R ASKS: WE WANT THE CLOSER OF THE DISTANCE FROM HOME OR OFFICE.) (ACCEPT RANGE.) Code MILES 51. OVER 50 MILES -1. LESS THAN A MILE 0. Inap. (R has no loans) 3004 H19. Now thinking of all the various loan payments you made during the last year, were all the payments made the way they were scheduled, or were payments on any of the loans sometimes made later or missed? 1. ALL PAID AS SCHEDULED 5. SOMETIMES GOT BEHIND OR MISSED PAYMENTS -1. Payments not due/started yet -7. Other 0. Inap. (R has no loans) 3005 H19a. Were you ever behind in your payments by two months or more? 1. YES 5. NO 0. Inap. (R has no loans, all payments made as scheduled) 3006 J1. Now I'd like to ask a few questions about your (family's) 3007 savings. People have different reasons for saving. What are your (family's) most important reasons for saving? 1. Children's education; education of grandchildren 2. Own education; spouse's education; education--NA for whom 3. "For the children/family"--NFS; "to help the kids out" 11. Buying own house (code summer cottage in 12) 12. Purchase of cottage or second home for own use 13. Buy a car 14. Home improvements/repairs 15. To travel; take vacations 16. Buy durable household goods, appliances, home furnishings; hobby items; for other purchases not codable above or not further specified; "buy things when we need/want them"; moving/special occasions 17. Burial; funeral expenses 18. Charitable or religious contributions 21. Buying (investing in) own business/farm; equipment for business/farm 22. Retirement; old age 23. Reserves in case of unemployment 24. In case of illness; medical/dental expenses 25. Emergencies; "rainy days"; other unexpected needs; for "security"/independence 26. Investment reasons (to get interest, to be diversified, to buy other forms of assets) 27. To meet contractual commitments (debt repayment, insurance, taxes, etc.); to pay off house 28. "To get ahead"; for the future; to advance standard of living 29. Ordinary living expenses/bills 90. Had extra income; saved because had the money left over--no other purpose specified 91. Wise/prudent thing to do; good discipline to save 92. Liquidity; to have cash available/on hand -1. Don't/can't save; "have no money" -7. Other 0. Inap. (No additional reason) 3008 J2. (RB, P. 3) In deciding how much of their (family) income to spend or save, people are likely to think about different financial planning periods. In planning your (family's) saving and spending, which of the time periods listed on this page is most important to you (and your [husband/wife])? 1. NEXT FEW MONTHS 2. NEXT YEAR 3. NEXT FEW YEARS 4. NEXT 5 - 10 YEARS 5. LONGER THAN 10 YEARS -1. R only says: "no savings"/"can't (don't) save" 3009 J3. Which is the least important to you? (RECORD ANSWER IN GRID ABOVE.) 1. NEXT FEW MONTHS 2. NEXT YEAR 3. NEXT FEW YEARS 4. NEXT 5 - 10 YEARS 5. LONGER THAN 10 YEARS -1. R only says: "no savings"/"can't (don't) save" 3010 J4. (Not using the booklet.) Are there any foreseeable major financial obligations that you (and your family) expect will have to be met in the future, such as educational expenses, health care costs, and so forth? (IF R ASKS, THE FUTURE MEANS THE NEXT FIVE TO TEN YEARS.) 1. YES 5. NO 3011 J4a. (RB, P.4) What kinds of obligations are these? (CHECK 3012 ALL THAT APPLY. 3013 Code up to 3 mentions 1. EDUCATION: R'S CHILDREN (incl. step & adopted children); grandchildren 2. EDUCATION: OTHERS (incl. R & spouse) 3. HEALTH CARE: SELF/SPOUSE 4. HEALTH CARE: OTHERS (incl. elderly parents/disabled child) 5. Health care/Medical expenses -- NA for whom 11. General support for R/spouse in retirement or old age 12. General support for (disabled) child/grandchild; "raising my grandson" 13. General support for parents 14. General support for others or NA for whom 21. Home purchase (incl. vacation home) 22. Purchase of car or other large durable goods 23. Burial expenses 24. Taxes 25. Home repairs/improvements 26. Weddings, vacations, moving and other special expenditures 31. Business/investment; start/expand own business 41. Bills/living expenses--NFS -7. OTHER 0. Inap. (No financial obligations, no additional financial obligations) 3014 J5. (RB, P. 5) Which of the statements on this page comes closest to the amount of financial risk that you (and your [husband/wife]) are willing to take when you save or make investments? If more than one box checked, code smallest category #. 1. TAKE SUBSTANTIAL FINANCIAL RISKS EXPECTING TO EARN SUBSTANTIAL RETURNS. 2. TAKE ABOVE AVERAGE FINANCIAL RISKS EXPECTING TO EARN ABOVE AVERAGE RETURNS. 3. TAKE AVERAGE FINANCIAL RISKS EXPECTING TO EARN AVERAGE RETURNS. 4. NOT WILLING TO TAKE ANY FINANCIAL RISKS. J6. (RB, P. 6) Which of the following statements on this page comes closest to describing you(r) (and your [husband's/wife's]) saving habits? (CHECK MORE THAN ONE ONLY IF NECESSARY.) 3015 J6-1. DON'T SAVE -- USUALLY SPEND MORE THAN INCOME 3016 J6-2. DON'T SAVE -- USUALLY SPEND ABOUT AS MUCH AS INCOME 3017 J6-3. SAVE WHATEVER IS LEFT OVER AT THE END OF THE MONTH--NO 3018 J6-4. SAVE INCOME OF ONE FAMILY MEMBER, SPEND THE OTHER 3019 J6-5. SPEND REGULAR INCOME, SAVE OTHER INCOME 3020 J6-6. SAVE REGULARLY BY PUTTING MONEY ASIDE EACH MONTH 1. Checked 5. Not checked 3021 J7. (RB, P. 7) Now I'd like to ask a few questions about how you see various risks. First, on a scale from 0 to 10, where 0 equals almost no risk and 10 equals very great risk, what do you think is the risk that the U.S. economy will experience a major depression sometime during the next ten years or so? 0. ALMOST NO RISK 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. VERY GREAT RISK 3022 J8. (RB, STILL ON P. 7) And what number would you give to the risk that the U.S. economy will experience double digit inflation sometime during the next ten years or so? 0. ALMOST NO RISK 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. VERY GREAT RISK 3023 J9. (RB, P. 8) On a different scale, how would you rate the retirement income you (expect to receive/are receiving) from Social Security and job pensions? 0. TOTALLY INADEQUATE 1. 2. 3. 4. 5. ENOUGH TO MAINTAIN LIVING STANDARDS 6. 7. 8. 9. 10. VERY SATISFACTORY 3024 J10. (RB, P. 9) When making major decisions about borrowing and saving, some people shop around for the very best terms while others don't. Where would your family be on the scale? 0. ALMOST NO SHOPPING 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. A GREAT DEAL OF SHOPPING ----------------------------------------------------------------------------- LINKAGE TO PENSION PROVIDER ----------------------------------------------------------------------------- 6501 Y42. END OF IW REFERENCE: RESPONDENT'S EMPLOYMENT/PENSION INFORMATION 1. R IS COVERED BY PENSION ON CURRENT JOB (1 OR MORE PLANS AT R18, P. 82) 2. ALL OTHERS 6502 Y43. END OF IW REFERENCE: SPOUSE'S EMPLOYMENT/PENSION INFORMATION 3. R IS NOT MARRIED/LIVING WITH PARTNER 4. S IS COVERED BY PENSION ON CURRENT JOB 5. ALL OTHERS ----------------------------------------------------------------------------- INTERVIEWER OBSERVATIONS ----------------------------------------------------------------------------- 6503 ZZ1. RELATIONSHIP OF R TO INFORMANT: 1. R IS INFORMANT 2. Spouse of Informant; partner of Informant 3. Child " " 4. Parent " " 5. Roommate/friend 6. Employer of Informant (e.g., maid was Informant) -7. OTHER: R IS __________ OF INFORMANT .N NA 6504 ZZ2. TYPE OF STRUCTURE IN WHICH FAMILY LIVES: 0. IW NOT CONDUCTED AT R'S HOME (low priority code) 1. TRAILER; MOBILE HOME 2. DETACHED SINGLE FAMILY HOUSE 3. 2-FAMILY HOUSE, 2 UNITS SIDE BY SIDE 4. 2-FAMILY HOUSE, 2 UNITS ONE ABOVE THE OTHER; "duplex"--NA whether 3 or 4 5. DETACHED 3-4 FAMILY HOUSE 6. ROW HOUSE (3 OR MORE UNITS IN AN ATTACHED ROW) 7. APARTMENT HOUSE (4 OR FEWER UNITS) 8. CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 3 STORIES OR LESS) 9. CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 4 STORIES OR MORE) 10. APARTMENT IN PARTLY COMMERCIAL STRUCTURE 11. Gov't. housing "projects"--not codeable above -7. OTHER .N NA ZZ3. NEIGHBORHOOD: Look at the structures on R's block and check as many as apply. 6505 ZZ3. A. VACANT LAND (include "lake", "farmland") 6506 ZZ3. B. TRAILER/MOBILE HOME 6507 ZZ3. C. DETACHED SINGLE FAMILY HOUSE 6508 ZZ3. D. 2-FAMILY HOUSE; SIDE BY SIDE OR ONE ABOVE THE OTHER 6509 ZZ3. E. DETACHED 3-4 FAMILY HOUSE 6510 ZZ3. F. ROW HOUSE (3 OR MORE UNITS IN AN ATTACHED ROW) 6511 ZZ3. G. APARTMENT HOUSE (4 OR FEWER UNITS) 6512 ZZ3. H. CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 3 STORIES OR LESS) 6513 ZZ3. J. CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 4 STORIES OR MORE) 6514 ZZ3. K. COMMERCIAL OR INDUSTRIAL STRUCTURE 6515 ZZ3. L. PARK; golf course 6516 ZZ3. M. SCHOOL OR OTHER GOV'T. BUILDING 6517 ZZ3. N. VACANT BUILDING 6518 ZZ3. P. OTHER 1. Checked 2. Gov't/Housing Project--not codeable above 3. Church (6518 only) 5. Not checked .N NA 0. Inap. (Interview not conducted in R's home) 6519 ZZ4. BUILDINGS IN THE IMMEDIATE NEIGHBORHOOD (LOOK UP AND DOWN THE BLOCK) ARE: 1. ALL RESIDENTIAL 2. MOSTLY RESIDENTIAL 3. ABOUT EQUALLY RESIDENTIAL AND NONRESIDENTIAL 4. MOSTLY NONRESIDENTIAL .N NA 0. NONE IN VIEW; Inap. (Interview not conducted in R's home) 6520 ZZ5. HOUSING STRUCTURES ON BLOCK ARE: 1. 0-20 FEET APART 2. 21-100 FEET APART 3. OVER 100 FEET APART .N NA 0. Inap. (Interview not conducted in R's home) 6521 ZZ6. CONDITION OF BUILDING EXTERIOR IS: 1. CLEAN AND SOUND 2. SOME PAINT PEELING OR CRACKS IN MASONRY 3. NEEDS SUBSTANTIAL PAINTING, REFILLING, OR REPAIR 4. DILAPIDATED .N NA 0. Inap. (Interview not conducted in R's home) 6522 ZZ7. CONDITION OF THE EXTERIOR OF BUILDINGS ON BLOCK IN GENERAL (BOTH SIDES OF STREET) LOOKS: 1. BETTER THAN R'S 2. AS GOOD AS R'S 3. WORSE THAN R'S .N NA 0. NO OTHER BUILDINGS IN VIEW; Inap. (Interview not conducted in R's home) 6523 ZZ8. PLEASE RATE THE PHYSICAL CONDITION OF THE INTERIOR OF THE HU: 1. EXCELLENT: WALLS AND CEILINGS HAVE NO CRACKS; PAINT OR PANELLING IS IN GOOD CONDITION 2. GOOD: NEEDS SOME MINOR PAINTING OR REFINISHING 3. FAIR: NEEDS MAJOR INTERIOR WORK--HOLES AND/OR CRACKS NEED PATCHING, PAINTING NEEDED, ETC. 4. POOR: SOME WALLS OR CEILINGS NEED REPLACEMENT 8. DON'T KNOW--WASN'T INSIDE HOUSE .N NA 0. Inap. (Interview not conducted in R's home) 6524 ZZ9. NEIGHBORHOOD RESIDENTS SEEM TO BE: 1. ALL BLACK 2. ALMOST ALL BLACK 3. HALF BLACK AND HALF NON-BLACK 4. ALMOST ALL NON-BLACK 5. ALL NON-BLACK 8. DON'T KNOW .N NA 0. Inap. (Interview not conducted in R's home) 6525 ZZ10. R'S UNDERSTANDING OF THE QUESTIONS WAS . . . 1. EXCELLENT 2. GOOD 3. FAIR 4. POOR 6526 ZZ11. R'S ABILITY TO EXPRESS (HIMSELF/HERSELF) WAS . . . 1. EXCELLENT 2. GOOD 3. FAIR 4. POOR 6527 ZZ12. WAS R SUSPICIOUS ABOUT THE STUDY BEFORE THE INTERVIEW? 1. NO, NOT AT ALL SUSPICIOUS 2. YES, SOMEWHAT SUSPICIOUS 5. YES, VERY SUSPICIOUS 6528 ZZ13. WAS R SUSPICIOUS ABOUT THE STUDY AFTER THE INTERVIEW? 1. NO, NOT AT ALL SUSPICIOUS 2. YES, SOMEWHAT SUSPICIOUS 5. YES, VERY SUSPICIOUS 6529 ZZ14. OVERALL, HOW GREAT WAS R'S INTEREST IN THE INTERVIEW? 1. VERY HIGH 2. ABOVE AVERAGE 3. AVERAGE 4. BELOW AVERAGE 5. VERY LOW ZZ15. OTHER PERSONS PRESENT AT THE INTERVIEW: (CHECK ALL THAT APPLY.) 6530 ZZ15 A. CHILDREN UNDER 6 6531 ZZ15. B. CHILDREN 6 & OVER 6532 ZZ15. C. SPOUSE 6533 ZZ15. D. OTHER RELATIVES 6534 ZZ15. E. OTHER ADULTS 6535 ZZ15. F. NO ONE 1. Checked 5. Not checked 9. NA 6536 ZZ16. DID R REFER TO DOCUMENTS TO ANSWER QUESTIONS? 1. FREQUENTLY 2. SOMETIMES 4. RARELY 5. NEVER 8. DK 9. NA ZZ17. WHICH DOCUMENTS DID R REFER TO? (CHECK ALL THAT APPLY) 6537 ZZ17. A. LOAN DOCUMENTS 6538 ZZ17. B. CHECKING; SAVINGS; INVESTMENTS 6539 ZZ17. C. PENSION DOCUMENTS 6540 ZZ17. D. INCOME TAX RETURN 1. Checked 5. Not checked 8. DK 9. NA 0. Inap. (Did not refer to documents) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- BANK MARKET STRUCTURE VARIABLES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- The following variables relate to the structure of the banking markets in which the respondent lives. These variables come from files maintained by the Financial Structure Section. This information is matched to the survey data at the level of the MSA where possible, or at the county level otherwise. X8460 Geographic linkage variable used in FRB bank structure data: values less than 1000 are MSA, and other values are 10,000*(state FIPS code)+(county FIPS code). ********************************************************* NOT INCLUDED IN THE PUBLIC DATASET ********************************************************* X8461 Percentage market share of the four largest commercial banks in the MSA or county where the respondent lives. (CM_CR4 in FRB bank structure data: maximum value=100) ********************************************************* NOT INCLUDED IN THE PUBLIC DATASET ********************************************************* X8462 Percentage market share of the four largest commercial banks, thrifts and credit unions in the MSA or county where the respondent lives. (CR4_ALL in FRB bank structure data: maximum value=100) X8463 Herfindahl index (sum of squared percentage market shares of commercial banks in the MSA or county where the respondent lives. (100*CM_HERF in FRB bank structure data: maximum value=100) ********************************************************* NOT INCLUDED IN THE PUBLIC DATASET ********************************************************* X8464 Herfindahl index (sum of squared percentage market shares of commercial banks, thrifts and credit unions in the MSA or county where the respondent lives. (100*HERF_ALL in FRB bank structure data: maximum value=100) ********************************************************* NOT INCLUDED IN THE PUBLIC DATASET ********************************************************* ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- 1989 SURVEY OF CONSUMER FINANCES REVISED EDITING INSTRUCTIONS GENERAL EDITING INSTRUCTIONS Recording 1. Editors must write in the interviews in GREEN pencil only. Check editors must use RED pencil only. The Editing Supervisors must use red pencil and must initial all decisions they make. Deleting Items 2. Never erase an interviewer's entries. Instead, delete them by circling them out. The interviewer's entries must always remain readable even after deletion. Editing marks may be erased if editing changes are made. Moving Items 3. When it is necessary to move a response from one part of the interview to another, circle the item out, and enter it in the new place. Be sure to place a note at the old place stating where the item was moved to and why. Add another note at the new place stating where the item was moved from. Explanatory 4. Explanatory notes should also be made (in addition to Notes item 3 above) whenever a decision is made which might not be apparent to someone reviewing the interview. THE REASON FOR YOUR EDITING SHOULD BE MADE CLEAR. Missing 5. Edit a response NA (NOT ASCERTAINED) whenever: Responses (NA's) a. A question was skipped which should have been asked. b. R refused to answer a question and there is no 'REFUSED' box. The Golden Rule 6. READ ALL MARGINAL NOTES and the THUMBNAIL SKETCH (on the back page) and utilize the information contained in them in your editing. If any information from them will be lost due to following the editing instructions, or if it contradicts other information, or you do not know how to incorporate it, see the Editing Supervisor. WE DO NOT WANT TO LOSE ANY IMPORTANT INFORMATION CONTAINED IN MARGINAL NOTES. Control 7. MAKE SURE CONTROL QUESTIONS ARE CHECKED Questions a. If a control question was left blank but the questions contingent upon it were answered, you can edit the control question to agree with the contingent Q's. b. If a control question was left blank and the questions contingent upon it were also left blank, the control question should be NA'd, unless the I'wer has circled or underlined a skip instruction at the control Q indicating which box was meant. Then the appropriate control box may be edited in. c. If, however, the control question was checked and the series of questions contingent upon it were left blank, the control question should be left as is and the contingent questions that follow should be NA'd. Ranges and 8. If a range is given, circle it out and edit it to the Rounding midpoint, rounding when necessary to the nearest whole number. If the midpoint should be halfway between two whole numbers, edit it to the odd number. Card B 9. Whenever CARD B was used, the I'wer should have recorded a letter; edit in the appropriate numeric code for that category from the Card B code below next to the I'wers letter. Watch for dollar ranges in which the I'wer recorded the dollar ranges from CARD B rather than the corresponding letter. These will be characterized by dollar ranges where the first number ends in 01 and the range reads the same as on CARD B. Edit these as though the letters C-J were given. Do not, however, assume that the ranges "Less than $500" or "$500-$1000" are the same as "A" & "B" on CARD B. Edit these normally. If 2 letters are given as a range (e.g., "C-D"), edit these to the number on the lower end of the range for the second letter given ("2,501" for the above example is the lower end of the "D" range). CARD B CODES IW'ERS INDICATED LETTER RANGE CODE A LESS THAN $500 9-980 B $500-$1,000 9-981 C $1,001-$2,500* 9-982 D $2,501-$10,000* 9-983 E $10,001-$50,000* 9-984 F $50,001-$250,000* 9-985 G $250,001-$1 MILLION* 9-986 H $1 MILLION-$10 MILLION* 9-987 I $11 MILLION-$100 MILLION* 9-988 J MORE THAN $100 MILLION* 9-989 * If these ranges are found, you can assume the R gave the range from CARD B instead of the letter, and edit to the CODE specified above. Modified 10. Do not make adjustments to qualified amounts such as Amounts "a little more," "over $X". Do, however, use the special codes listed below for the following: "over 1 million" = 1,111,111 "over 10 million" = 11,111,111 "only a little"; = 00 000 001 "not much" Cents Recorded 11. If dollars and cents are recorded in amount fields OTHER THAN HOURLY WAGES, circle out the cents portion. However, if you are using such a number for calculations, use the cents. Supervisor's 12. When an editor makes a decision with the help of an Decisions editing supervisor or a study director, he/she should record the initials of the person who helped them next to the explanatory note. Editors' Problem 13. The purpose of the "Problem Sheet" is to provide a Case Summary more complete description of certain types of problem Sheet cases. The information will be used to review decisions made, to provide additional data for the imputation process, and to give a more complete picture of the case than the data alone allows. These sheets should be filled out in all the following circumstances: a. Whenever there are marginal notes or other volunteered information that is not captured in the editing/coding, especially dollar amounts and including responses to questions that Interviewers asked in error. b. When a decision has been made that was somewhat arbitrary and could have been made another way using the information provided. In these cases, all information relevant to the decision should be recorded. c. Wherever specifically instructed to do so in the Edit Instructions. d. When requested to do so by the Editing Supervisor. e. When an item must be NA'd because only "partial" information is known, record the "partial" information which would otherwise be lost. f. When significant detail is volunteered about assets or debts in "mop-up" questions which will not otherwise be incorporated into the data. g. When certain "wide" ranges are edited to their midpoints they should also be recorded. These "wide" ranges are whenever: THE TOP OF THE RANGE WIDTH THE RANGE IS... AND IS AT LEAST... UNDER 100,000 10,000 or more 100,000-1,000,000 100,000 or more OVER 1,000,000 1,000,000 or more Problem Sheets should be written in BLACK PENCIL or INK. Complicated or complex marginal notes and problems can be xeroxed and attached. They should be left in the Interview and removed by the check-editor. Double Counting 14. Editors need to be continually on the lookout for instances where the respondent has reported the same information twice. In many cases, a marginal note from the I'wer will signal double-counting; if the note is clear, edit accordingly; if it is not so clear, you will have to use your best judgment and, if necessary, see the Editing Supervisor. In all cases, where a marginal note leaves significant doubt about whether or not an amount is double-counted, put it on a Problem Sheet, whether your best judgment has led you to edit it out or not. In some cases, you will suspect double-counting only because the same amount occurs in two different places. If the number is a simple, whole amount (such as $2,000), you will only be able to suspect, but do nothing. If, however, the number is precise (say, $2,212, or better yet, $2,212.48), you may (depending on the circumstances) have clear evidence for double- counting. See the Editing Supervisor if it is not certain. The question-by-question instructions that follow will include specific instructions where double-counting is likely to occur and should be watched for, so be especially alert in these places. In some cases where double-counting is found, data will be removed from one location; in other cases, the double counting will be allowed to stay in both places. Cases of special note follow: Section M: A debt owed by R or other PEU member to a (M12-M12b) family business listed at M12-M12b can also be reported at H4-H14. Section R: Amounts listed as cash settlements at R52c (R52-R52d) can be double-counted in other sections. If the cash settlement is the source of funds, they may be validly double-counted as investments or holdings in accounts. Section Y: Information that appears in Section Y as (Y33-Y40b) assets or debts of Financially Independent household members and in the other sections of the I'w will be removed from the other sections and left in Y33-Y40b, with the exception of the data on R's home (Y39-Y39c). Section X: Assets that appear in Section X and also in earlier sections may be left in both places, since Section X refers to the source of the assets, and the earlier sections about how it's currently held. Section T: Income amounts that are reported in other places in the interview and in Section T should be left in both places. Section T asks for all income and stands independently of the other sections except where noted. General Rule 15. If it is necessary to split $ amounts in order to move for Splitting only a part of a debt, income, or asset to either a Items different place in the Interview or out of the interview, one should use all available evidence and common sense to decide on the proportions. If no evidence at all is available, you should split the amount(s) in equal parts. IN ALL UNCLEAR CASES, however, you must get the help and advice of the Editing Supervisor or have the Editing Supervisor review the procedure you used and you must write it on a Problem Sheet. Financially 16. The information about financially independent adults Independent living in the HU is to be edited out of all sections Adults except the HHL and: a. Section Y, where their assets and debts are recorded. b. M9b, where they can legitimately be recorded as working in R/S's business. Editing 17. a. When adding or deleting columns to or from a Grids grid be sure the checkpoints at the bottom of the grid are edited to reflect the changes made; also change the #'s in the phrase "ONLY ___ LOANS (SAVINGS ACCTS, etc.)" so they agree. b. After editing out columns, renumber the remaining columns by circling out the #'s in the column headings. c. If an item is edited out of a full grid, thus creating an empty column, and there is information entered in the following mop-up Q's, move it forward into the empty column. d. If amounts from the "mop-up" questions following a grid must be entered into a grid column and the amount in the mop-up Q is a lump sum of more than one item, split the amount proportionately. If unclear how to split, see the Editing Supervisor. In any case, write up what you did on a Problem Sheet. e. After all deletions or additions to a grid take care to edit the control # entered in the box before the grid to the correct new total # of items (i.e., after editing a "tractor" out of the vehicle grid, which also contains a car and pick-up truck, be sure to edit the control box at G25a to "2"). "Partners" 18. For the purposes of this study, a "Partner" is assumed to play the same financial role in a P.E.U. as does a "Spouse" and, for this reason, "Partners" are handled in the Interview exactly the same as "Spouses." If you, however, think you have found evidence that an Interviewer did not treat a "Partner" the same or that a particular "Partner" might be better considered (financially) a "Friend" or "Roommate", bring the problem to the attention of the Editing Supervisor and write them on a Problem Sheet. Confidential 19. If confidential information (such as names, names of Info businesses, etc.) is found in the interview or in the TN, you should blot it out with a black pen. If information would be lost because of this, edit non- identifying information in to replace it in green pencil (i.e., if the name of R's business is written in the TN, blacken it out and write in "R's business"). Loan/Mortgage 20. If a marginal note indicates that a Mortgage or Reg. Payments Installment payment reported is not the payment amount agreed on (for example, if R is "prepaying" on a loan), edit the payment to the payment amount formally agreed to (or NA it if that amount is not known) and write it and the amount actually being paid on a Problem Sheet. Checking Type of 21. In the grid in Section A, R is asked to enter Financial Inst. information on the financial institution he/she does business with in columns labelled "INSTITUTION #1-#6". In later grids at Q's D36, D51, D53h, D64, D74, E33, G22, G38, H14, N4, N19 and N24, these "INSTITUTIONS" are referred to in code boxes 01-06. In these Q's only one box should be checked in each column of the grid. If more than one is checked you should edit it to one using the following rules: a. If category 1-6 and category 11-97 are checked, edit it to only category 1-6 if, on checking at A6, it is found that category 1-6 is the same type of financial institution as category 11-97. b. If they are found to be different types, or more than one of category 11-97 boxes are checked, see the Editing Supervisor. IF "FINANCIAL INST" Q IS "CHECK ALL THAT APPLY" However, at D68b, N13, N22c, N40c and N45 the instructions in the questions are to "(CHECK ALL THAT APPLY)". For these you should ONLY make sure that the number of items mentioned at the beginning of the sequence is not LESS THAN the number of institutions checked. If they are, then see the Editing Supervisor, unless rule a. above applies. Edit Fractional 22. At various places in the Interview (D30, D45, D58, E9, Years E25, G16, G32, H8) R is asked to respond with ___# YRS or ___# PYMTS. If the responses to any of these is a fractional number of years in the # YRS blank (e.g., "1-1/2" YRS), these should be edited out of the # YRS blank and the corresponding number of payments should be computed and edited into the # PYMTS blank, as per the following: a. At D30, E9 and E25 the Q just before or following specifies the frequency with which the payments are made (i.e., $___ PER ___) and the number of payments would be computed from that (e.g., if "1-1/2 YEARS" paid PER "QUARTER" to "6" # PYMTS). b. For the rest, the # of payments should be computed assuming one payment per month (e.g., "1-1/2" YRS = "18" # PYMTS). c. If any marginal notes or information should indicate that some other "regular" frequency of payments is reported than the frequency formally agreed on (because the loan is being prepaid, for instance), then use the frequency agreed upon to compute the # of payments and it should also be noted on the Problem Sheet. $___ PER ___ 23. Throughout this interview, dollar amounts are asked for as $___ PER___ where the PER frequency is left optional for the R. These are coded in two variables and the "PER" variable contains codes for "WEEK", "BIWEEKLY", "MONTH", "QUARTER", "YEAR" and "Other-MAKE A CARD" and, in addition, "DAY" when wages are asked for. Thus, THERE IS NO REASON FOR YOU TO EDIT THESE UNLESS SPECIALLY INSTRUCTED, even if the Q asks for an answer in a different time period than the R answers in (e.g., N49j asks for "yearly premium"; you should not edit a response of $"20" PER "MONTH"). $___ PER MONTH If, however, the time period is specified in the format (e.g., $___ PER MONTH), you should edit a response in any other time period to a response consistent with the time period specified in the format (e.g., at H9 a response of $"20" PER "week" should be edited to $"86" PER MONTH). Grid Control 24. At the beginning of most of the grids in the interview Boxes (at D53, E2a, E15, G2, G7a, G25a, H3, M5, N3, N16a, N23a, R18, R51a, R52a, R53a and X2) are large boxes which function as CONTROL BOXES for the grid. The number in the box should be equal to or greater than the number of items recorded in the grid. a. If the grid does not have a set of "mop-up" questions at the end of it, in which more than one item may be lumped, then the number in the grid will match or be greater than the number of items entered in the columns of the grid. b. If the grid does have a set of "mop-up" questions at the end, then the number in the box must be at least as large as the number of columns in the grid plus the number known to be in the mop-up questions. c. If you edit items into or out of a grid, you must edit the control box for it, to keep it consistent with the grid and mop-up questions. Gift/Inheritance 25. Throughout the interview (at D15b, d & f, D20, E20, Boxes E36b and E37a), when the value of an asset is asked, a "GIFT/INHERITANCE" box is included. Whenever you encounter one of these and marginal notes or information says that the asset, or part of the asset, was a gift or inheritance, you should: a. Make sure the box is checked. b. Make sure the value given was the value of the asset when it was received. c. If an asset was received as a gift or inheritance in parts, at different times, see the Editing Supervisor. Business Debts 26. In Sections G, H, N and at E1-E13b you are instructed and Assets to edit out "business" debt or assets in order not to double-count them, as they are assumed to be included in Section M. Whenever so instructed, we mean "business" debts and assets to be defined as follows: a. The "business" is a business that R or some other PEU member owns or has an interest in which is included in Section M as an active or passive business. If R or a PEU member does self-employed work but does not consider it to constitute a "business" (and does not list it in Section M), then any income producing assets they use or debt they incur for it are "personal" asset and debt and should be left in. An example of this would be an R who owns a tow truck (which he still owes money on) to do part- time towing, but does not consider that he has a business, so answers M3 "NO". You would leave his tow truck in the Section G grid. b. The "business asset" should be owned "in the name of" the business rather than being owned as a "personal" asset by the PEU. Likewise, the business should be liable for the debt rather than the PEU. Thus, if R borrows money for his business in his name and he is liable for it, it is not "business debt." Also, if R's business owns an asset (like a car), but R uses it, it is a "business asset." NOTE: Solely owned proprietorships (see M9d) are particular problems and in general you should consult the Editing Supervisor if you encounter "business" debt or assets for a solely owned proprietorship outside of Section M. ABBREVIATIONS USED IN EDITING DU Dwelling Unit = HU Housing Unit I'w Interview EU Economic Unit Mtg Mortgage Ed. Sup. Editing Supervisor NA Not Ascertained FU Family Unit OCC Occupation HU Housing Unit PEU Primary Economic Unit Inap. Inap.plicable Unit Pmt Payment I'er Interviewer R Respondent IND Industry S Spouse USEFUL DEFINITIONS 1. HOUSING UNIT (HU): a. A one-family house or half of a two-family house, or b. An apartment or flat in an apartment house or other building, or c. A trailer or mobile home (as long as it has cooking facilities), or d. Living quarters in back of stores, over garages, etc., or e. A rooming house. We do not sample institutions such as old people's homes, sanitariums, convents, military bases, dormitories, etc., which contain ten or more unrelated families. 2. FAMILY UNIT (FU): A Family Unit is a group of persons living in the same Housing Unit who are related to each other by blood, marriage, or adoption. Couples who are living as married are treated as if they were married. 3. PRIMARY ECONOMIC UNIT (PEU): The members of the FU that includes the Respondent, who are Financially Dependent upon the R. For our purposes, the PEU consists of all the people listed in the HH Listing Box who are not checked "INDEP" in Column F. LISTING BOX -- P. 1, HHL1-HHL5 FS INITIAL THE INTERVIEW AT THE TOP LEFT OF FACESHEET TN READ THE THUMBNAIL ON LAST PAGE AND Y41 FOR ADDITIONAL INFORMATION AND TO LOCATE TROUBLE SPOTS IN THE INTERVIEW. UNDERLINE USEFUL INFORMATION IN GREEN. HHL CHECK WHETHER THE INTERVIEW SHOULD HAVE BEEN TAKEN. If you find BOX an interview taken: 1. where the current PEU did not live in the HU at the time the I'wer first went to the HU (except for the list 'SPEC' sample). 2. where the R is not a member of the PEU. 3. at a place which does not fit our definition of a HU (except for the list 'SPEC' sample). Take it to the Editing Supervisor. The decision whether to accept it or not will be made elsewhere. HHL CHECK THE LISTING BOX AND EDIT OUT NON-HU MEMBERS BOX 1. The listing box should contain all persons living in the housing unit at the time the interviewer first had contact with the household. 2. It should not include visitors or persons who are not currently living in the HU. 3. Edit out non-HU members (by circling in green) and writing an explanatory note. Use information from the HHL as well as the rest of the Interview and the TN. In cases where the situation is complex, the final test is whether or not the person could have, theoretically speaking, been interviewed somewhere else at the time that the interviewer CALLED ON THE HU for the first time. In order to ascertain the date of the interviewer's first call it is necessary to obtain this information from the Cover Sheet in the Field Control Office. See a Check Editor or Supervisor for this. As much as possible, the judgment of the Interviewer should be maintained. If it is unclear if a person should be included or not and the Interviewer has included them (and thus their financial information), then usually we should include them. Likewise, if it would mean NA'ing a lot of data because the Interviewer did not not include them, then we shouldn't. 4. If you edit anyone out of the HHL box you must also edit out any financial information for the person from the interview. You should take any such cases to the Editing Supervisor and you must write it up on a Problem Sheet. 5. If you edit any children of R, Spouse or Partner out of the Listing Box you must edit them into Y5-Y5b (the number of children of R and Spouse/Partner living elsewhere). HHL COL C PRECODE R AND S/P's DOB, COMPUTED AND IMPUTED AGES 1. Transfer R's (Y3 on p.107) and Spouse/Partner's (Y19 on p.114) Date of Birth to the "DOB" blanks in the large boxed stamp under the U of M seal on the I'w facesheet. 2. Compute R's and S/P's ages at the time of the Interview from their Date of Births and enter them in the "COMP" age boxes in the large boxed stamp on the facesheet. a. Use the Date of IW" at 3 on the facesheet to compute these ages. If more than one date is entered there, use the earliest. b. If birth year is NA or DK, code COMP AGE '99'. 3. Check the Computed "COMP" ages for R and S/P against their reputed ages in Column C of the HHL box and: a. If they are both the same or there is only a one or two year difference between them, enter the "COMP" age in the "IMPUT" (imputed) age boxes next to the "COMP" age boxes on the facesheet. b. If there is more than a two year difference between the computed ages in the "COMP" boxes and the reputed ages in COL C of the HHL box, then: 1) Try to reconcile the difference using all available information (specified below) and, if you can, enter that imputed age in the "IMPUT" age boxes. However, if other information leaves doubt as to what R's or S/P's "correct" age should be, then: 2) Enter the mid-point of the computed age and the reputed age in the imputed age boxes. LOCATIONS OF AGE RELATED INFO R45-R45k: "Work History" -- R S45-S45k: " " -- S R46-R46k: " " -- R S46-S46k: " " -- S R47-R47k: " " -- R S47-S47k: " " -- S R50e: Social Security Payments Y5-Y5b: # Children Y7-Y13a: Marriage History Y22-Y22g: Spouse's Marriage History TN: General Info HHL COL D CHECK MARITAL STATUS AND MOVE SPOUSE/PARTNER TO LINE 2: 1. Check that the marital status for R and Spouse/Partner is the same -- either both married or both living with a partner (M or P). If there are any discrepancies, bring them to the attention of a supervisor. 2. If R reports "married", but is not currently living with his/her spouse, edit the spouse out of the listing box (if listed) and code R as either '7' or '8' as per the code below, by printing "7" or "8" next to "M" in Col. D. These cases must be entered on a Problem Sheet. ABSENT SPOUSE CODE: 7. Spouse is institutionalized or otherwise not eligible to be sampled (out of U.S., living on military base, in nursing home, in prison, etc.) 8. Other non-resident spouses, including those living elsewhere because of job; moved and R will follow later; "commuter marriage," etc. You should then: a. Edit the Interview with the debts, assets and income of the missing spouse being included or not being included depending on how the Interviewer conducted the interview; i.e., if the Interviewer included them, then leave them included; if the Interviewer excluded them, then exclude them while editing. b. Pre-code the "appropriate" absent spouse code, specifying whether or not the missing spouse's financial information has been included in Sections A- X nor not, in the upper left corner of page 1 using the code below: ABSENT SPOUSE PRECODE: 1. The absent spouse's financial information is included in Sections A-X. 5. The absent spouse's financial information is not included in Sections A-X. c. If there is a Spouse Booklet for the missing Spouse, leave it in and edit it. If there is not a Spouse Booklet, you should get a blank Spouse Booklet and edit in as much information as you have. d. Edit CHECKPOINTS at R49, Y7 and Y16 to include the missing Spouse. 3. If the spouse/partner is not listed on the second line, renumber the HH members, giving the spouse/partner #2. Draw an arrow from the S/P to line 2 indicating that the spouse/partner should be entered on Line 2. 4. NOTE: "S" means "Separated" (not "single"). "NM" means "Never Married." 5. If a child/stepchild of R/S is over 18 and marital status is not marked, code it 'NA'. HHL COL E PRECODE RESIDENT STATUS Read over any marginal notes and use the following code for each person in the HHL box. RESIDENT STATUS CODE 1. An adult or child who is marked "YES" in COL E or a person not marked in COL E who has no marginal notes indicating any irregularities. 2. A person who is a child under 18 who lives at this HU for only part of the year (e.g. joint custody; "summers spent with R, school year with spouse"). 3. R's or S's child/grandchild 18 or over who goes away to school for part of the year. 4. Another adult who lives at this HU only part of the year (e.g., R's parent who lives with R for 6 months and with another relative for 6 months); living here temporarily. 5. "NO" is marked in COL E and no explanation given. MAKE 9. Some other situation, not codeable above, e.g., a foster CARD child when COL E is left unmarked and there is no indication how it is to be marked. For codes 2-4 and 7, circle out the YES or NO response and enter the new code in the middle of COL. E (between the 'S' and the '5'). For codes '1' and '5', underline the "1" or "5" in green. HHL COL F PRECODE THE ECONOMIC UNIT Code the "economic unit" to which each person in the listing box belongs. Enter the code to the left of the center bar of COL. F, under 'FINANC DEPEND'. Use the following code; R is always coded '1'. E.U. CODE 1. THE PRIMARY ECONOMIC UNIT always contains R, R's Spouse/Partner and their children under 18. In addition, it contains their children 18-22 not marked INDEPENDENT as well as all others listed who are marked FINANCIALLY DEPENDENT. It also includes anyone not marked in COL F for whom there is no evidence to indicate that they are FINANCIALLY INDEPEND. 2. THE SECONDARY ECONOMIC UNIT contains the first FINANCIALLY INDEPENDENT adult listed and any other adult or child who are financially dependent on that person, such as a the the independent person's spouse or their children. 3. THE THIRD ECONOMIC UNIT contains the next FINANCIALLY INDEPENDENT person and persons clearly dependent on them. OTHER ECONOMIC UNITS are identified and numbered consecutively (4-7). If it is unclear whether a person is FINANCIALLY DEPENDENT or INDEPENDENT or which EU a person should be a member of, see the Editing Supervisor. EU MEMBERS The debts, assets and income of all PEU members (coded 1) should FINANCIAL be included in Sections A-X and none of them should be included in INFO IN Y33-Y43. Likewise, all persons not in the PEU (i.e., in 2nd, 3rd, WRONG PLACE etc. EU) should have their finances reported in Y33-Y40b and should not be reported in Sections A-X (with the exception of house value and mortgage information to be explained later). Thus, if you edit anyone into or out of the PEU or you find any evidence that anyone's finances are reported in the wrong place, you must edit them to agree with the HHL box and it should be entered on a Problem Sheet. If there are any doubts concerning this issue, you should bring the Interview to the Editing Supervisor. PARTNER If any Spouse or Partner is marked "FINANC INDEP": OR SPOUSE MARKED 1. If it is a partner marked "INDEP" and their finances are INDEP. clearly reported in Y33-Y43 and not in Sections A-X the "partner" should be edited to "friend" in the HHL box. If their finances are included in Sects. A-X and not in Y33/Y43, edit COL F of the HHL box to 'FINANC DEPEND'. 2. If it is a spouse marked "INDEP", COL F should be edited to "FINANC DEPEN". In either of the above cases, the Interview should be taken to the Editing Supervisor and a Problem Sheet written up. UNDER 22 If a person under 22 years old is marked "INDEP": MARKED INDEP 1. If it is clear that their finances are reported in Y33-Y43 and not in Sections A-X, leave things as they are. 2. If their finances have not been included in Y33-Y43, but instead in Sections A-X, edit them to "FINANC DEPEND". SECTION A: ATTITUDES AND FINANCIAL INSTITUTIONS A5, A5M Check that the number entered at A5 agrees with the number entered in the box at A5m. If it does not, see the Editing Supervisor. A5m Edit the # INST entered in the box at A5m is equal to or greater than the number of Institutions recorded in A6-A9 for Columns #1- #6. If R reports more than 6 institutions, the number in this box may be greater than 6 even though only 6 institutions will be listed in the grid. A6-A9 FINANCIAL INSTITUTIONS GRID 1. Columns should be neither added to this grid nor deleted. If, however, more than six institutions are entered in the columns, edit those beyond six out. There should only be six institutions listed in the columns. See the Editing Supervisor if there is any confusion here concerning which institution R regarded as #1, #2, etc. A6 Edit "OTHER INSTITUTION TYPE" Questions. If no box is checked in a column at A6, but instead the type is written in the "OTHER" box, edit the written response to category 11-14 or 16 if it is quite clear that the institution type in the written response is consistent with the type of institution in category 11-14 or 16. A8 Check for Banks Less Than or Over 50 Miles Away. If a distance of less than one or over 50 miles is written in the "MILES" blank in any column for A8, edit it out and check box 96 or 51. SECTION B: ATTITUDES TOWARD CREDIT/CREDIT CARDS B6-B10 CREDIT CARD GRID 1. If R does not know how many cards of a particular type other family members have, or the balance on those cards, the interviewer is instructed to make a marginal note. Enter this information on a Problem Sheet. 2. Edit out all credit cards in the name of a business (including businesses that the PEU has an interest). Do not, however, edit out credit cards in R's or PEU members' names but which may be used for business. 3. Check Column E credit card type. If it is clear that a credit card listed in COL E really belongs in one of the other columns, edit the information into its proper location. Most commonly a store credit card will have been entered here and should be edited to COL B. a. Telephone credit cards should be left, or included, in COL E. B6,B10 Check the Number of Financial Institutions against the Number of COL A Bank-Type Cards. If there are more institutions checked at B10 than the # of accounts entered at B6, see the Editing Supervisor. SECTION D: HOUSING STATUS (D1-D22) D1 1. Check that the correct sequence was followed at interviewer checkpoint. Check ZZ2 and D16 to help in identifying problems. 2. See farm guidelines, p. 24. D4 Edit # acres to percent by dividing the # acres in D4 or D8 by the # acres in D2. Round to two decimal points. 100% is allowable if given by R (even though R lives on part of it). D5 OWNERSHIP STATUS OF FARM/RANCH 1. Check that R's who live on farms or ranches have gone through the own/rent sequence appropriately. Look for marginal notes that explain any unusual situations, and bring these to the attention of the supervisor if the sequence marked does not appear to incorporate all information. 2. If PEU are share croppers or tenant farmers: A share cropper does not own the farm but uses the farm and pays rent in the form of a share of the crops to the owner. A tenant farmer rents his farm and pays rent in cash. For people in these classifications, make sure the "RENTS" box is checked at D5. Check the rent amount given at D17; if it is given as a dollar amount, leave it as is. If R "doesn't know", edit it to 9,999,996. In either case, write it on the Problem Sheet if the rent, or part of the rent, is not paid in money. 3. If the "OTHER" box at D5 is marked, examine the response to see if it should be edited to boxes 1-4 only if the proper skips have been followed. If the response should remain in the 'OTHER' box, write it on a Problem Sheet. D5c Edit as per D19 below. D8 Edit the # ACRES to PERCENT as per D4. January 12, 1990 FARM EDIT GUIDELINES We have arrived at a set of guidelines for handling farms that we think will be fairly clear in most cases. The guidelines are: For farm owners and operators: 1. All property of the farm, whether adjacent or not, as long as it is reported as a single business, will be included in the D section. D2 should contain all the acreage of the farm; D5d (or D10) will contain the value of all the land of the farm that the PEU owns; and D20 should be the total cost of all the property of the farm. 2. Frequently farmland that is not adjacent to the land the home is located on is reported in section E. Such property and any associated debt should be moved from the E section to the appropriate section D sequences. 3. The above assumes that the PEU actively manages a farming business that is reported in the M5-M18 sequence. The amounts in M14, M15, and M18 will contain the following: M14 The total current value of all the farmland plus the house and immediately surrounding land plus any tools, implements, or stock. M15 The amount that was paid for all of the above. M18 The amount at M14 minus any debt on the farmland or the farm business. In all cases these items will need to be checked by the Editing Supervisor. For all cases that do not fit the situations outlined above, see the Editing Supervisor. D11,D11e MOBILE HOMES: 1. Look for marginal notes that explain any unusual situations, and bring these to the attention of the supervisor if the sequence marked does not incorporate all relevant information. Write such cases on a Problem Sheet. 2. If "NEITHER OWNS NOR RENTS" is marked, examine the responses to see if R owns any part of the site or mobile home. If so, edit D11 and follow-up questions appropriately to agree with the information you have. If there is any uncertainty about how to code D11, see the Editing Supervisor. D16-D16b HOUSE/APARTMENT/FARMHOUSE OWNERSHIP STATUS: 1. Look for marginal notes that explain any unusual situations. If the sequence marked does not appear to incorporate all information, bring these to the attention of the Editing Supervisor. Write up any problem cases on a Problem Sheet. 2. If R mentions Homeowners' Association at D16, edit it to '5. TOWNHOUSE ASSOC.' a. If notes make it clear that the fees are not paid or that they are paid but are optional or for recreational purposes only, edit D16 to OWNS OR IS BUYING and edit D16a to ALL OTHERS. b. OTHERWISE, edit D16 to TOWNHOUSE ASSOC. and D16b to the fees given (NA them if the amount is not given). 3. If the home is owned wholly or partly by a business owned by the PEU (in Section M), see the Editing Supervisor. 4. If "R LIVES IN MULTIPLE HU STRUCTURE" is checked at D16a, check the responses to D18 and D18a. 5. If "NEITHER OWNS NOR RENTS" is checked, read the explanation given at D16c and check that the correct sequence was taken. a. If it appears that R owns any part of his/her home, edit D16 to "OWNS OR IS BUYING" and edit the follow-up questions appropriately, using all the information given. If there is any uncertainty, see the Editing Supervisor and write any problem cases on the Problem Sheet. b. If R's housing is fully subsidized by the government, including military personnel, edit D16 to "PAYS RENT". DEFINITIONS 1. NEITHER OWNS NOR RENTS are those who: a. receive rent as part of their pay b. have sold the house in which they live, have not moved out as yet, but pay no rent c. who receive housing as a gift from someone outside the HU. 2. IF BOTH "OWNS" AND "RENTS" BOXES ARE CHECKED, a correction must be made. For example: a. when someone rents the dwelling they live in now, but owns a home somewhere else, it is the residence currently occupied that is wanted here, and they should be considered a renter. The home they own is real estate which should be counted at E15. b. If someone rents their home now but has built or bought, or is building, a home into which they are about to move, only the RENT box should be checked. 3. WHEREVER R IS CURRENTLY LIVING IS WHAT SHOULD BE RECORDED. If you find someone reporting on a residence which they are not currently living in, take it to the Editing Supervisor. A Problem Sheet will have to be written up. D17-D17c IF PEU PAYS RENT: 1. If R pays for both room and board, edit out the amount paid for board. If the amount paid is not known, assume half of what is paid is rent. If this seems unreasonable, see the Editing Supervisor. 2. We want the rent most recently paid (or due). For example, if "the rent was just raised to $275, but when the rent was paid last it was $260," edit it to $260 per month. If R mentions several different rents paid over the past year and gives an average, edit to the rent last paid (or due). 3. If the rent is shared with other EU's, edit D17 to the PEU's share only. If several "Independent Adult" roommates share the rent with R and the proportions are unknown, split the total rent equally among them and edit D17 to R's share. If the situation is more complex, see the Editing Supervisor. 4. If all of R's rent is subsidized by a governmental unit, edit D17 to '9 999 995' and NA D17a and D17b if they have been left blank. Check T1k&n to make sure that the value of the subsidized rent is included in those income amounts. If it isn't, edit it at T1k or T1n as per instructions there. 5. FOR TENANT FARMERS & SHARECROPPERS -- see D5. D17a Water is not assumed to be a utility for purposes of D17a. If "Yes, water" or "only water," edit the response to "NO" D17b If only stove and/or refrigerator are provided, edit D17b to "UNFURNISHED" if it is not already so marked. D17c If R "lived here before," moved out and then moved back, edit D17c to date R moved back this time. If R lived in another apartment in this building or project before moving to this apartment, edit D17c to date R moved to this apartment. D18, D18a Look for marginal notes here explaining any unusual situations. If it is unclear how such information should be coded, see the Editing Supervisor. Write it up on a Problem Sheet if there are any unusual or confusing situations. Check ZZ2 for clarification. D19 FOR HOME (FARM) OWNERS: 1. The house value at D19 should include the part R owns. For farmers this includes the house, farm buildings, and contiguous farm land. 2. If R says they have been offered $80,000 but wouldn't take less than $100,000, code the midpoint. 3. If R has been offered more than the actual value of the property ("I've been offered $50,000, but it's actually worth only $30,000"), code the amount offered. 4. If R mentions only the TAX assessed value edit it to "9,999,996" and put it and the tax assessed value on the Problem Sheet. 5. If part of the house is owned by persons with independent finances, the whole value of the house should be at D19-D22 as long as 100% of the house is owned by HU members. If others outside the HU own part of the house, only the part owned by HU members should be in D19-D22. The value of the HU's share should be at Y39b & Y39c as well, if relevant. D20 If R bought a house furnished, do not attempt to separate out the value of the furnishings. D21 DATE OF PURCHASE: 1. In cases where multiple dates are given at D21 (purchase date, the house occupancy date, and/or the date of the mortgage), edit in the date as per the following priorities: 1st Priority: The purchase (closing) date of the house 2nd Priority: The date of the mortgage on the house 3rd Priority: The date moved in Record the uncoded dates on the Problem Sheet. If the purchase date of the land is given, edit it out. 2. If the house was purchased/inherited/built in increments, edit it to the priorities above for the earliest increment of the house itself (not incl. land purchases). 3. If farmers bought their farm in increments, use the date the house was purchased/built. 4. If the house was inherited (the GIFT/INHERITANCE box at D20 is checked), this date should be the date inherited. D22 Add land and house taxes together if they are given separately. If the period of taxes is not given, write in "YEAR." SECTION D: HOME MORTGAGES AND OTHER HOME LOANS (D23-D53) D23 If R reports both "YES, MORTGAGE" and "YES, LAND CONTRACT" at D23, check the grid to make sure that at least two columns of the grid have been filled out. If they have, edit D23 to "YES, MORTGAGE" and follow that sequence. If at least two columns of the mortgage grid have not been filled out, see the Editing Supervisor. D27-D40a THE MORTGAGE GRID 1. Be on the lookout for any unusual or confusing mortgage arrangements which may be problems. Take them to the Editing Supervisor and, if necessary, write them up on the Problem Sheet. 2. Mortgages reported in this grid should always be left in unless it is clear: a. that it is not the home the PEU is currently living in (move these debts to E15-E34, "Other Property"); b. the home the PEU is currently living in is not collateral for the mortgage (these may be moved to D41-D51 or D54-D64) depending on the purpose of the loan; c. the PEU is not liable for the mortgage. d. NOTE: Another exception would be a HOME EQUITY LINE OF CREDIT (see Quick Reference Guide for definition) that was NOT a first mortgage. These should be edited out of COL B or C for D27-D40 or D41-D51 and moved to D53-D53m. In all these cases see the Editing Supervisor and the case should be written up on the Problem Sheet. 3. If it is discovered that the PEU does not own any of the home and are living rent-free, D16a will have to be edited to NEITHER OWNS NOR RENTS, and Section D re-edited, UNLESS the owner is an Independent Adult living in the HU. Then the full house value and mortgage should be left in and edited as per item 2 for D28, D29, D31. Be sure, in these cases, that Y39a is "100%". See the Editing Supervisor and write this up on a Problem Sheet. 4. If it is found that the mortgage is partly or wholly assumed or paid for by a business in Section M owned by the PEU, you should see the Editing Supervisor. 5. If marginal notes indicate that the payments change during the life of the mortgage for reasons other than variable interest or balloon payments (which are handled by the grid), see the Editing Supervisor and put it on the Problem Sheet. Examples of these would be "negative amortization" or "graduated payments". 6. Co-ops may have mortgages on the entire building, as well as on the PEU's unit. If you encounter any such as these, edit them to include only PEU's unit. D27, D28, In the case of assumed mortgages, the data in D27, D28, and D30 D30 should be as of the date that the mortgage was assumed by the PEU, not the date it was originally taken out by the seller. D27a Beware of confusions between "seller-provided" mortgages (where the seller provides the financing for the mortgage and the PEU pays the seller) and "assumed" mortgages where the PEU takes over the payments from the seller. For "seller-provided" mortgages, D27a should be edited to "NO". D28, D29 1. If the PEU owns the house jointly with others outside the D31 HU, D28, D29 and D31 should be edited to include only the PEU's share. If a split must be made, see the Editing Supervisor. 2. If it is jointly owned with an Independent Adult living in the HU, then the FULL mortgage should be in Section D. Y39 should record the Independent Adult's percentage. The FULL value of the house should be included at both D19 and Y39b and the FULL amount still owed on the mortgage should be included at both D29 and Y39c. In addition, in these cases, the editor should check to insure that D20 includes the FULL purchase price and D22 ALL of the real estate taxes on the home. NOTE: The I'wer Instruction in parens following the Q at D19 does not apply to these cases. 3. If D28, D29 and D31 are given for an entire building which is only partly occupied by the PEU, they should be edited to include only that part occupied. In these cases you must see the Editing Supervisor and write the case on the Problem Sheet. D29 If D29 is NA, do NOT compute it from D30 and D31; leave it blank. D30 1. If D30 is answered in a fractional # of years, edit it as per the GENERAL INSTRUCTION 22a. 2. If "NO SET #" is checked, check D52-D53k for possible double-counting. If double-counting is found, see the Editing Supervisor. D36 Edit the Type of Institution at D36 as per GENERAL INSTRUCTION 21. D37 Precode the purpose of the 2nd mortgage at D37 using the LOAN PURPOSE CODE. D40, D40a Check that the D40 and D40a boxes are checked correctly after all editing of this section is finished. D41-D51 OTHER HOME LOANS 1. Watch for cases here which have: a. HOME EQUITY LINE OF CREDIT loans, which should be in D53-D53m; b. 2nd and 3rd Mortgages (for which the home is clearly noted as being collateral) which should be in COLUMNS B & C of the D27-D40 mortgage grid; c. Home improvement loans (purpose clearly stated), for which the home is not collateral, should be in D54- D64. If you think you have found any of these, see the Editing Supervisor. They should be edited to their proper place. If you find such a loan here double-counted with one in D53- D53m, the Section H loan grid, or D54-D64, edit it out here and leave it in its proper place. These should be written on the Problem Sheet. 2. If more than one "other" loan is itemized here, leave the largest (in terms of the amount borrowed) here and move any other to the grid at H3-H15 (where they should be coded "01" for loan purpose). D45 If D45 is answered in a fractional # of years, edit it as per the GENERAL INSTRUCTION 22. D51 Edit the type of institution at D51 as per GENERAL INSTRUCTION 21. D53 Edit the # LINES OF CREDIT entered in the box at D53 to be consistent with the number recorded in Columns #1-#3 of the grid and D53m as per GENERAL INSTRUCTION 24. D53a-D53h THE HOME EQUITY LINES OF CREDIT (HELC) GRID 1. If a HELC here is double counted in the Mortgage grid at D27-D39, leave it in there if it is the first mortgage; leave it in here if it is not a first mortgage; put it on a Problem Sheet in either case. 2. Check for Credit Cards which may be included or double- counted here. They should be edited out of this sequence to Section B. If they are double counted, remove them from Section B and put the information on a Problem Sheet. If they can't be separated out of Section B, see the Editing Supervisor. 3. Edit out any business lines of credit found here. D53d Pre-code the purpose of the loan using the LOAN PURPOSE CODE If the purpose of the loan is coded "10" (to purchase a car), check the "owned vehicle" grid (G8-G23) to see if this loan is double-counted there. a. If it clearly is, edit the debt out of the vehicle grid. b. If it may be, but it is not clear, see the Editing Supervisor. NOTE: A car used for business purposes (but not owned by the business) may be left here. D53h Edit the type of institution at D53h as per GENERAL INSTRUCTION 21. D53m If the PEU has more than three HELC, any money owed on these surplus lines will be entered at D53m. If marginal notes should include more information on one or more of them than just the amount owed, move it to the loan grid at H1-H15, if there is an available empty column. If the purpose of the loan is not specified, you will have to precode loan purpose NA. SECTION D: ADDITIONS AND REPAIRS AND LINES OF CREDIT (D54-D76) D54-D54a ADDITIONS AND IMPROVEMENTS 1. Check marginal notes to make sure R has not failed to include an addition such as "landscaping", "built a garage", or some other exterior addition which he/she thought should not be included but which is an addition. If you find such cases, bring them to the Editing Supervisor. 2. Additions on farms and businesses should be edited out. But additions on the farmhouse, or that part of a business which contains the PEU's home, should be left in. 3. If a home was built in increments and an addition seems to be one or more of the increments, take it to the Editing Supervisor. Building of the home and its cost and loans should not be here. D55-D65 LOANS FOR ADDITIONS 1. If a loan here is clearly collateralized by the house, it should be moved to column 2 or 3 in the mortgage grid. 2. If you find a loan here that is clearly a Home Equity Line of Credit, it should be moved to D53-D53m. 3. Loans here that are double-counted in the mortgage or HELC sections should be edited out here and left in those sections. D58 If D58 is answered in a fractional # of years, edit it as per the GENERAL INSTRUCTION 22. D64 Edit the type of institution at D64 as per GENERAL INSTRUCTION 21. D65-D65b If another home addition and improvement loan is at D65-D65b and marginal notes provide more information on it than can be contained in D65a&b, move it to the loan grid at H1-H15, if there is an available column there. LINES OF CREDIT FOR NON-OWNERS ONLY: D68c Edit the type of institution at D68c as per GENERAL INSTRUCTION 21--"CHECK ALL THAT APPLY". D68d Check that the # LINES OF CREDIT (LOC) recorded in the blank at & D69 D68d is the same number as is entered in the box at D69 on the next page. If it is not, see the Editing Supervisor. D69 Edit the # LINES OF CREDIT (LOC) entered in the box at D69 to be consistent with the number recorded in Columns #1-#3 of the grid and D76 as per GENERAL INSTRUCTION 24. D70-D74 LINES OF CREDIT (LOC) GRID 1. Business lines of credit should not be included here. Edit any that are found out, with a note saying "business debt." If it is for a "Sole Proprietorship", see the Editing Supervisor as per General Instruction 26. D70 Precode the purpose of the loan using the LOAN PURPOSE CODE. See the instructions for D53d if the purpose is code "10" (to purchase a car). D74 Edit the type of institution at D74 as per GENERAL INSTRUCTION 21. D76 If there are more than three LOC, any money currently owed on the surplus LOC's will be in D76. If enough detail is included in marginal notes concerning this debt, edit it out of D76 and into H1-H15 if there is an empty column. The purpose of the loan will have to be NA'd if it is not given here. SECTION E: OTHER PROPERTIES, LAND CONTRACTS E2a Edit the # NOTES/LAND CONTRACTS/MORTGAGES entered in the box at E2a to be consistent with the number recorded in Columns #1-#3 of the grid and E13-E13b as per GENERAL INSTRUCTION 24. E3-E13b NOTES/LAND CONTRACTS/MORTGAGES OWNED 1. Check for double-counting of properties between E3-E11 (sold) and E16-E34a (currently owned). If a property is clearly listed in both places, leave it here and edit it out of E16-E34a. If you suspect double-counting but it's not clear, take it to the Editing Supervisor. 2. Edit out all notes, land contracts or mortgages held or owned by any business that the PEU owns or has an interest in. E9 If E9 is answered in a fractional # of years, edit it as per GENERAL INSTRUCTION 22. E11a If E11 is YES: Check the amount the PEU still owes at E11a and the amount it is still owed at E4 or E7. If the amount at E11a is considerably larger than the amount at E4 or E7, and there are marginal notes, write them on the Problem Sheet. E15 Edit the # PROPERTIES entered in the box at E15 to be consistent with the number recorded in Columns #1-#3 of the grid and E36- E37f, as per GENERAL INSTRUCTION 24. E15-E37e THE OTHER PROPERTY OWNED GRID 1. Do NOT edit out "any property owned by a business that [PEU] has an interest in" as instructed by the question at E14, unless it is perfectly clear that the property is included or is the same as the business listed in Section M. If you suspect that it is, but it is not perfectly clear, see the Editing Supervisor. These will be flagged with a special code (see PROPERTY LINK CODE below). 2. Do edit out properties owned by limited partnerships where R is a limited partner if you find them in this section (UNLESS R or the PEU member owning them are GENERAL PARTNERS). Edit them out of here (E16-E34a) AND edit them into the M20-M21a section on passive businesses. See the Editing Supervisor for such cases and write them up on the Problem Sheet. 3. Burial Plots, if listed here, should be moved to N52a-N52b. If there is any debt on them, move that to the Section H loan grid. 4. Mobile Homes should be included here, unless they are the current residence of the PEU. (See definition at G8, note 3.) 5. Be particularly alert in this section for unusual or confusing situations. Take anything that seems suspicious to the Editing Supervisor. E16 Precode each property, using the PROPERTY LINK CODE, above the PROPERTY # heading for each column. If you are unsure which code to use for a property, see the Editing Supervisor. E17 1. If "Limited Partnerships" are noted here, see E15-E37e, item 2 above. 2. Box 1 "OWNED BY R" is meant to include ownership by R's Spouse, either with R or alone. E17a-E33 Value and Debt on Property 1. If marginal notes indicate that only the PEU's share is recorded in E18-E29, compute and edit E18, E20, E23, E24 and E26 to the totals for the property using the PEU's share at E17a. 2. If the PEU owns TIMESHARE property, then leave E18-E29 as only the PEU's share and edit E17 to "OWNED JOINTLY". If the entire value and debt on TIMESHARE property is given, compute and edit it to the PEU's share only. 3. Except for item 2 above, if E17a is NA or DK and it appears that E18, E20, E23 and E24 are only the PEU's share, then NA