----------------------------------------------------------------------------- ----------------------------------------------------------------------------- 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