##################################### #TABLE OF CONTENTS #1. CHANGES TO EXISTING TEXT #2. NEW VARIABLE TEXT #3. REMOVED VARIABLES ##################################### ####################################################################################### #1. CHANGES TO EXISTING TEXT ####################################################################################### ####NOTE: METHOD FOR GENERATING THIS INSTITUTION DATA HAS CHANGED X7036(#1) OFFICES IN MORE THAN ONE STATE. ANSWER DETERMINED BY MATCHING X7038(#2) VERBATIM ANSWER FROM RESPONDENT TO THE NIC DATABASE OF FINANICAL X7040(#3) INSTITUIONS X7042(#4) X7044(#5) 1. *YES X7046(#6) 5. *NO X7048(#7) 0. Inap. (no institutions: X8300=-1/fewer than 2 institutions: X8300<2/fewer than 3 institutions: X8300<3/ fewer than 4 institutions: X8300<4/ fewer than 5 institutions: X8300<5/fewer than 6 institutions: X8300<6/fewer than 7 institutions: X8300<7) X310(#1) DISTANCE BETWEEN RESPONDENT AND NEAREST INSTITUTION BRANCH. X314(#2) CALCULATED BY APPLYING THE HAVERSINE METHOD TO THE X318(#3) LATITUDES AND LONGITUDES OF THE CENTER OF THE RESPONDENT'S X322(#4) CENSUS TRACT AND NEAREST BRANCH X326(#5) X330(#6) 0. Inap. (no institutions: X8300=-1/fewer than 2 X334(#7) institutions: X8300<2/fewer than 3 institutions: X8300<3/ fewer than 4 institutions: X8300<4/ fewer than 5 institutions: X8300<5/fewer than 6 institutions: X8300<6/fewer than 7 institutions: X8300<7) ####NOTE: INAP REMOVED IN THE FOLLOWING QUESTION X7122 (Do you have any money automatically deposited directly into your account?/Do you have any money automatically deposited directly into one of your accounts?/ Do you or someone in your family living here have any money automatically deposited directly into your family's account?/ Do you or someone in your family living here have any money automatically deposited directly into one of your family's accounts?) INCLUDE DIRECT DEPOSIT OF SOCIAL SECURITY OR OTHER GOVERNMENT BENEFITS. (IF R ASKS, DO NOT INCLUDE INTEREST PAID ON THE ACCOUNT.) 1. *YES 5. *NO ####NOTE: INAP REMOVED AND QUESTION TEXT ALTERED SLIGHTLY IN THE FOLLOWING QUESTION X7126 Some people have their utility or insurance bills, mortgage or rent payments, or other payments automatically deducted from their accounts without having to write a check or direct the payment using the internet or the phone. Do you (or anyone in your family living here) make any regular payments automatically? DO NOT INCLUDE PAYROLL DEDUCTIONS, SUCH AS DEDUCTIONS FOR HEALTH INSURANCE. 1. *YES 5. *NO ####NOTE: CHANGED TO TWELVE MONTHS FOR NEXT 2 QUESTIONS X407 In the past twelve months, has a particular lender or creditor turned down any request you (or your {husband/wife/partner}) made for credit, or not given you as much credit as you applied for? IF YES, PROBE: Were you turned down, or did you not get as much as you applied for? IF TURNED DOWN AND NOT AS MUCH CREDIT, ASK WHICH IS MORE RECENT. 1. *Yes, turned down 3. *Yes, not as much credit 5. *No 0. Inap. (no credit application in past twelve months: X433=5 or X434=5 or X435=5 or X436=5 or X437=5 or X438=5 or X439=5 or X440=5;) X409 Was there any time in the past twelve months that you (or your {husband/wife/partner}) 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 0. Inap. (no credit application in past twelve months: X433=5 or X434=5 or X435=5 or X436=5 or X437=5 or X438=5 or X439=5 or X440=5;) ####NOTE: DEBIT/CREDIT CARD SECTION ALTERED AND REORDERED Now I have some questions about the types of cards that people have for making payments or accessing financial accounts. X7594 A reloadable prepaid debit card is not linked to a bank or credit union account, but you or someone else, like a relative, or a government agency, can add money onto this card. You can use it to make purchases and pay bills where credit cards are accepted. Do you (or anyone in your family living here) have any prepaid debit cards? IF ASKED: INCLUDE PAYROLL CARDS FOR WAGES OR SALARY IF ASKED: DO NOT INCLUDE DIRECT EXPRESS CARDS, ELECTRONIC BENEFIT TRANSFER CARDS (EBT), OTHER GOVERNMENT BENEFIT CARDS, PHONE CARDS, GIFT CARDS FOR A PARTICULAR STORE OR SERVICE OR CARDS THAT YOU CANNOT ADD MORE MONEY ONTO. 1. *YES 5. *NO X7648 Do you (or anyone in your family living here) have a government benefit card such as a Direct Express card, or an Electronic Benefit Transfer (EBT) card for WIC or Food Stamps? 1. *YES 5. *NO X7582 Do you (or anyone in your family living here) have an ATM or debit card? INCLUDE ATM CARDS USED AS DEBIT CARDS AS WELL AS VISA/MASTERCARD/AMERICAN EXPRESS BRANDED DEBIT CARDS. WE CARE ABOUT WHETHER R HAS SUCH A CARD, NOT WHETHER R USES IT. DO NOT INCLUDE GOVERNMENT BENEFIT CARDS THAT HAVE ALREADY BEEN REPORTED. DO NOT INCLUDE RELOADABLE PREPAID DEBIT CARDS NOT LINKED TO A BANK OR CREDIT UNION ACCOUNT THAT HAVE ALREADY BEEN REPORTED. 1. *YES 5. *NO Now I have some questions about credit cards and charge cards. X7973 Do you (or anyone in your family living here) have a credit card such as a Visa, MasterCard, Discover, or American Express card that allows you to carry a balance from month to month that you can pay off over time? IF ASKED: INCLUDE STORE-BRANDED, AIRLINE-BRANDED, AND OTHER BRANDED VISA, MASTERCARD, DISCOVER AND AMEX ACCOUNTS. DO NOT INCLUDE DEBIT CARDS. DO NOT INCLUDE CARD USED ENTIRELY FOR BUSINESS. 1. *YES 5. *NO X7974 Do you (or anyone in your family living here) have a company or store branded credit card tha can only be used at the specific merchant labeled on the card? DO NOT INCLUDE CARDS USED ENTIRELY FOR BUSINESS. 1. *YES 5. *NO X7976 Do you (or anyone in your family living here) have an American Express, Diners Club, or other charge card that must be completely paid off at the end of each billing period? INCLUDE AMERICAN EXPRESS CHARGE (NOT CREDIT) CARDS. DO NOT INCLUDE CARDS USED ENTIRELY FOR BUSINESS. 1. *YES 5. *NO ********************************************************* EDIT CHECK: If R reports AmEx as a credit card institution and AmEx/Diners as a separate type of card: IF (X415/X416/X417/X418/X7500/X6648/ X6649/X6720 = 51) AND (X7976 = YES) CAPI text displayed: ATTENTION: R ALSO REPORTED A BANK-TYPE CREDIT CARD WITH AMERICAN EXPRESS. PLEASE CONFIRM THAT: 1. THEY ARE TWO DIFFERENT CARDS 2. THAT THE ONE REPORTED HERE IS A "REGULAR" AMEX CARD IF THE CARD IS NOT A "REGULAR" AMEX CARD OR A DINERS OR CARTE BLANCHE CARD, BACK UP ONE SCREEN AND CHANGE THE ANSWER TO "NO". OTHERWISE, COMMENT NOW OR LATER: COMMENT LATER COMMENT NOW ********************************************************* At this point, a card reconciliation screen shows the FI the respondent's answers to X7594, X7582, X411, X419, and X425 (Y/N to prepaid card, Y/N to ATM/debit card, number of credit cards, number of store branded cards, number of charge cards) and asks the respondent to confirm their responses. The reconciliation screen allows the FI to change the Yes/No response or number of cards for these five questions if any mistakes have been made. X412(#1) Thinking about the [number from (X419/X411/X425)] (credit/ X420(#2) company or store branded/charge) card(s) (you have/your family X426(#3) has): On your last bill(s), how much were the new charges made to (this account/these accounts)? IF R DID NOT RECEIVE A BILL LAST MONTH, CODE ZERO. $ AMOUNT: -1. None 0. Inap. (no cards of type) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ####NOTE: ALTERNATE WORDING ADDED X631 IF R PURCHASED: How much did this site cost when you originally acquired it? IF GIFT/INHERITANCE: What was the value when you received this site? INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED. $ AMOUNT: 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site not purchases separately: X624^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X717 IF R PURCHASED: How much did it cost when you originally acquired it? IF GIFT/INHERITANCE: What was the value when you received it? IF PROPERTY WAS PURCHASED SEPARATELY, WE WANT THE TOTAL COST OF LAND AND HOUSE. INCLUDE RENOVATION AND CONSTRUCTION COSTS INCURRED BEFORE R MOVED IN. $ AMOUNT: 0. Inap. (R lives in MH: X501=2; R owns neither farm nor other type of dwelling: X508^=(1, 2) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ####NOTE: CODE 23 ALTERED X6723(#1) For what purpose was the money used? MASTER LOAN PURPOSE LIST 1. Own home purchase/construction 3. Home improvements or additions (incl. assessments for sewer/sidewalk, etc.) 4. Home repairs/maintenance/upkeep 10. Car, including repossessed car 11. Refrigerator 12. Stove/range; microwave oven 13. Dishwasher 14. Freezer 15. Air conditioner; furnace 16. Washing machine (incl. washer/dryer combination) 17. Dryer 18. Furniture (excluding pianos and organs -- see code 34); lamps; mattress and spring combinations; rug and/or carpet; other household furnishings 20. Vacuum cleaners 23. Home computer; calculator; cellphone; smartphone 24. Truck/jeep/utility vehicle 25. Combination of appliances (incl. TV); "appliances" -- NA type 26. Combination of furniture and appliances 29. Other appliances or durable goods; sewing machine; typewriter 31. Stereo; phonograph (may include radio); include sound equipment; amplifiers here; radio (AM or FM); tuner; CB equipment; tape recorder, tape player (cassette or reel-to-reel); CD player 34. Piano; Organ 35. Musical instruments (excl. piano and organ) 36. TV -- color or black and white; "home entertainment center" (including combination TV, radio, phonograph); video cassette recorder/player (VCR); video camera (Cam-corder); satellite dish 49. Other small/indoor hobby, recreation, and entertainment items (incl. pool tables and regular cameras) 50. Power tools and yard equipment 61. Boat; boating equipment (incl. trailer), airplane, airplane equipment 63. Motorcycles; bicycle; moped; snowmobiles; off-road vehicles 65. Camper-trailers; RV, n.f.s. 67. Cottage; vacation property; mobile homes -- seasonal residence (if current residence, code 01); "motor home"; second home 69. Other outdoor recreation items; horse 74. Invest in own business 75. "Business investment" (exc. 74), incl. businesses now defunct 76. Other asset investment; bought stocks/bonds; IRA deposit; gold; "investment", n.f.s. 78. Investment real estate (incl. cemetery plots and additions and repairs to investment property); farmland (exc. 74); vacation property 79. To have cash reserve 80. Divorce/separation expenses 81. Travel/vacation expenses 82. Medical/dental/veterinary expenses; attorney's fees 83. Education/school expenses 84. Tax and insurance expenses (exc. vehicle, code 93) 85. Weddings/funerals/other "occasions" 86. Legal judgment against R; money owed on overpayment of benefits 88. Moving expenses 89. Other special expenses; encyclopedia; health membership 90. "Personal loan"--NA what for 91. Bill/debt 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" 97. Charitable or political contributions -7. Other (including combinations) 0. Inap. (does not own any part of HU or owns only mobile home and not site: X508^=(1, 2) and X601^=(1, 2) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; land contact: X723=2; no mortgage: X723=5; year of mortgage same as year of purchase: X802= one of X606, X611, X616, X630, X634, or X720; additional money not taken out on loan: X7137^=(2, 3, 4);) ********************************************************* THE FOLLOWING NEW CATEGORIES HAVE BEEN CREATED FOR THE PUBLIC DATA SET: IF (loan purpose type=1 or 67) THEN newcode=1; ELSE IF (loan purpose type=3 or 4) THEN newcode=2; ELSE IF (loan purpose type=10 or 24) THEN newcode=3; ELSE IF (loan purpose type=11, 12, 13, 14, 15, 16, 17, 18, 20, 25, 26, or 29) THEN newcode=4; ELSE IF (loan purpose type=23, 31, 34, 35, 36, 49, 50, or 69) THEN newcode=5; ELSE IF (loan purpose type=61, 63, or 65) THEN newcode=6; ELSE IF (loan purpose type=74, 75, 76, 78, or 79) THEN newcode=7; ELSE IF (loan purpose type=80, 81, 85, 88, or 89) THEN newcode=8; ELSE IF (loan purpose type=82 or 83) THEN newcode=9; ELSE IF (loan purpose type=84, 86, 90, 91, 92, 93, 94, 95, 96, or 97) THEN newcode=10; ********************************************************* ####NOTE: NEGATIVE VALUE NOW ALLOWED X1730(#1) How much net income did (you/your family) receive? X1830(#2) $ AMOUNT: -1. Nothing 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2; no income from property: X1719^-1/X1819^=-1) ********************************************************* ORIGINALLY ALLOWED VALUES: [-999999999,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ####NOTE: CODE 21 ADDED X3164 X3165 X3166 X3167 X3168 X3169 X3170 X3171 (#1) X3264 X3265 X3266 X3267 X3268 X3269 X3270 X3271 (#2) (SHOW CARD 7) What types of business services or products are currently used or obtained from this institution? CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN 1. *Business checking or share draft accounts 2. *Business savings, money market, brokerage, or trust accounts 3. *Business lines of credit 4. *Business mortgages 5. *Other business loans or leases 6. *Business credit cards 7. *Credit or debit card payment processing / electronic transfers 10. *Payroll 20. Line of credit, n.e.c. 21. *Business consulting -1. None -7. *OTHER 0. Inap. (/no further responses; no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2; business has 500 or more employees: X3111>=500/X3211>=500; no institution used: X3160=-1/X3260=-1) ####NOTE: QUESTION WORDING CHANGED FOR NEXT 2 QUESTIONS X3336(#3) For these remaining businesses, if you sold these businesses now, what would be the cost basis for tax purposes of your share? PROBE IF R UNSURE: What was your original investment? $ AMOUNT: -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; fewer than 3 actively managed businesses: X3105<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3337(#3) For these remaining businesses, what was the total net income you (and your family living here) received from these businesses in 2015? $ AMOUNT: -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; fewer than 3 actively managed businesses: X3105<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [-999999999,...,999999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ####NOTE: FIVE YEARS CHANGED TO TWELVE MONTHS IN THE NEXT 3 QUESTIONS X3175 (Has the business/Have any of the businesses) applied for any type of credit or loan in the past twelve months? 1. *YES 5. *NO 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; no businesses with less than 500 employees: X3174^=1) X3176 In the past twelve months, has a particular lender or creditor turned down any request (the business/ any of the businesses) made for credit, or not given the business as much credit as requested? IF YES, PROBE: Turned down, or not as much credit? IF TURNED DOWN AND NOT AS MUCH CREDIT, ASK WHICH IS MORE RECENT. 1. *Yes, turned down 3. *Yes, not as much credit 5. *No 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; no businesses with less than 500 employees: X3174^=1; no credit or loan applications in the past five years: X3175^=1) X3179 Was there any time in the past twelve months that (the business/ any of the businesses) thought of applying for credit at a particular place, but decided not to because it was thought it might be turned down? 1. *YES 5. *NO 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; no businesses with less than 500 employees: X3174^=1) ####NOTE: VEHICLE INFORMATION ENTRY METHOD WAS ALTERED TO SEE THE FULL LIST OF MAKES OR MODELS, ENTER AN ASTERISK (*) INTO THE APPROPRIATE TEXTBOX BY PUSHING THE SHIFT AND 8 KEY AT THE SAME TIME. IF YOU CANNOT FIND A NAME IN THE MAKE, MODEL, OR YEAR LIST, TYPE THE RESPONSE IN THE APPROPRIATE BOX. What model year, make and model is it? PROBE FOR FULL MODEL NAME. MASTER VEHICLE MANUFACTURER LIST X7023(#1) MAKE: X7025(#2) ********************************************************* ORIGINALLY ALLOWED VALUES: [1900,...,9999] IF < 1900 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF > X8095 + 1: GREATER THAN NEXT YEAR ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X7024(#1) MODEL: X7026(#2) 0. Inap. (no personally leased vehicles: X2101^=1/ fewer than 2 leased vehicles: X2101<2) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X2104(#1) MODEL YEAR: X2111(#2) 0. Inap. (no personally leased vehicles: X2101^=1/ fewer than 2 leased vehicles: X2101<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-20,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-20 ********************************************************* TO SEE THE FULL LIST OF MAKES OR MODELS, ENTER AN ASTERISK (*) INTO THE APPROPRIATE TEXTBOX BY PUSHING THE SHIFT AND 8 KEY AT THE SAME TIME. IF YOU CANNOT FIND A NAME IN THE MAKE, MODEL, OR YEAR LIST, TYPE THE RESPONSE IN THE APPROPRIATE BOX. What model year, make and model is it? PROBE FOR FULL MODEL NAME. See MASTER VEHICLE MANUFACTURER LIST at X7023 X7027(#1) MAKE: X7029(#2) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 X7031(#3) cars: X2202<2/fewer than 3 cars: X2202<3/ X7033(#4) fewer than 4 cars: X2202<4) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X7028(#1) MODEL: X7030(#2) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 X7032(#3) cars: X2202<2/fewer than 3 cars: X2202<3/ X7034(#4) fewer than 4 cars: X2202<4) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X2205(#1) MODEL YEAR: X2305(#2) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 X2405(#3) cars: X2202<2/fewer than 3 cars: X2202<3/ X7152(#4) fewer than 4 cars: X2202<4) ********************************************************* ORIGINALLY ALLOWED VALUES: [1900,...,X8095+1] IF < 1900 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF > X8095 + 1: GREATER THAN NEXT YEAR ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-20 ********************************************************* ####NOTE: TRACTORS NOW TAKEN HERE X2503 Do you (or anyone in your family living here) own any other vehicles such as a motor home, RV, motorcycle, boat, or airplane? INCLUDE ANIMAL TRAILERS, GOLF CARTS, SNOWMOBILES, GLIDERS, ETC. DO NOT INCLUDE LAWN MOWERS 1. *YES 5. *NO ####NOTE: ALL VARIABLES CHANGED IN EDUCATION SECTION. INAP STRUCTURE CHANGED. #### QUESTION TEXT CHANGED. #### TEXT NOW DEPENDS ON WHOSE LOAN IT IS. 'YOU' BECAME 'YOU/HE/SHE/THEY' ETC. #### DID NOT INCLUDE EVERY EDUCATION LOAN QUESTION X7801 Do you (and your family living here) owe any money or have any student loans for educatinal expenses? IF YES: Please do not include any credit cards or other loans I have already recorded. DO NOT INCLUDE TUITION BILLS THAT HAVE ARRIVED BUT ARE NOT YET PAID. 1. *YES 5. *NO X7806(#1) (Are you/Is he/Is she/Is he or she) making payments on this X7829(#2) loan now? X7852(#3) X7906(#4) 1. *YES X7929(#5) 5. *NO X7952(#6) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/ less than 5 loans: X7802<5/less than 6 loans: X7802<6; still enrolled: X7880=-1/ X7885=-1/ X7890=-1/X7895=-1/X7900=-1/ X7995=- 1) ####NOTE: NEVER OPTION ADDED When will (you/he/she/he or she) start paying on this loan? IF PEU NEVER EXPECTS TO START PAYING ON LOAN, PRESS [F6] FOR MONTH AND YEAR AND MAKE AN [F2] COMMENT X7807(#1) MONTH: X7830(#2) 1. *January X7853(#3) 2. *February X7907(#4) 3. *March X7930(#5) 4. *April X7953(#6) 5. *May 6. *June 7. *July 8. *August 9. *September 10. *October 11. *November 12. *December -1. Never 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/ less than 5 loans: X7802<5/less than 6 loans: X7802<6; paying on loan now: X7806^=5/X7829^=5/X7852^=5/ X7906^=5/X7929^=5/X7952^=5; loan fully forgiven: X7421=1/X7423=1/ X7425=1/X7427=1/X7429=1/X7431=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X7808(#1) YEAR: X7831(#2) -1. Never X7854(#3) 0. Inap. (no education loans: X7801^=1/less than 2 X7908(#4) loans; X7802<2/less than 3 loans: X7931(#5) X7802<3/less than 4 loans: X7802<4/ X7954(#6) less than 5 loans: X7802<5/less than 6 loans: X7802<6; paying on loan now: X7806^=5/X7829^=5/X7852^=5/ X7906^=5/X7929^=5/X7952^=5; loan fully forgiven: X7421=1/X7423=1/ X7425=1/X7427=1/X7429=1/X7431=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095,...,X8095+50] IF < X8095 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7809(#1) Is this loan accumulating interest which (you/he/she/he or she) X7832(#2) will eventually have to pay? X7855(#3) X7909(#4) 1. *YES X7932(#5) 5. *NO X7955(#6) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/ less than 5 loans: X7802<5/less than 6 loans: X7802<6; paying on loan now: X7806^=5/X7829^=5/X7852^=5/ X7906^=5/X7929^=5/X7952^=5; loan fully forgiven: X7421=1/X7423=1/ X7425=1/X7427=1/X7429=1/X7431=1) ####NOTE: REGUALR/TYPICAL PAYMENT OPTION REMOVED X7815(#1) How much are the payments (on this loan)? X7838(#2) X7861(#3) $ AMOUNT: X7915(#4) -1. Nothing X7938(#5) 0. Inap. (no education loans: X7801^=1/less than 2 X7961(#6) loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/ less than 5 loans: X7802<5/less than 6 loans: X7802<6; not paying on loan now: X7806^=1/X7829^=1/X7852^=1/X7906^=1/ X7929^=1/X7952^=1; still enrolled: X7880=-1/ X7885=-1/ X7890=-1/X7895=-1/X7900=-1/ X7995=- 1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If payment is zero: IF (X7815/X7838/X7861/X7915/X7938/X7961)=-1 CAPI TEXT DISPLAYED: ATTENTION: R REPORTED MAKING PAYMENTS ON THIS LOAN, BUT THE PAYMENT AMOUNT IS ZERO? CONFIRM R IS MAKING LOAN PAYMENTS. COMMENT NOW COMMENT LATER ********************************************************* ####NOTE: QUESTION TEXT CHANGED X7822(#1) What is the annual rate of interest charged X7845(#2) on this loan? X7868(#3) X7922(#4) IF R IS NOT ACCUMULATING INTEREST ON THE X7945(#5) LOAN, SAY: X7968(#6) What interest rate will be charged when the loan starts accumulating interest? PERCENT * 100: -1. Nothing 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/ less than 5 loans: X7802<5/less than 6 loans: X7802<6; loan fully forgiven: X7421=1/X7423=1/X7425=1/X7427=1/ X7429=1/X7431=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ####NOTE: EDUCATION INSTITUIONS LISTED EXPLICITLY X7823(#1) (SHOW CARD 8) X7846(#2) X7869(#3) Who is the servicer for this education loan, that is to say the name of the X7923(#4) company who receives the payment for this loan? X7946(#5) X7969(#6) 1. *Aspire Resources Inc. 2. *CornerStone 3. *ESA/EdFinancial 4. *FedLoan Servicing/AES (PHEAA) 5. *Granite State - GSMR 6. *Great Lakes Educational Services, Inc. 7. *MOHELA 8. *Navient (formerly Sallie Mae) 9. *Nelnet (Firstmark) 10. *OSLA Servicing 11. *VSAC Federal Loans 12. *Discover Financial Services 13. *The First Marblehead Corporation 14. *JP Morgan Chase Bank 15. *PNC Bank 16. *SunTrust Bank 17. *U.S. Bank 18. *Wells Fargo Bank 19. *RBS Citizens 20. ACS (Xerox) 21. Credit Union 22. Citibank 32. *College or University 43. Collection Agency, n.e.c. 95. Non-financial institution, n.e.c. 98. Financial institution, n.e.c. -7. *Other 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/ less than 5 loans: X7802<5/less than 6 loans: X7802<6; loan fully forgiven: X7421=1/X7423=1/X7425=1/X7427=1/ X7429=1/X7431=1) ####NOTE: INTEREST RATE HIGHER THAN 100% OPTION ADDED X2724(#1) What is the current annual rate of interest being charged X2741(#2) on this loan? X2824(#3) X2841(#4) IF INTEREST RATE IS HIGHER THAN 100%, ENTER 100% X2924(#5) AND MAKE AN [F2] COMMENT X2941(#6) PERCENT * 100: -1. Nothing 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/fewer than 3 loans: X2709<3/ fewer than 4 loans: X2709<4/fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ####NOTE: CHANGED TO 'ALL SOURCES' FROM 'SOCIAL SECURITY AND JOB PENSIONS' X3023 Using any number from one to five, where one equals totally inadequate and five equals very satisfactory, how would you rate the retirement income you receive (or expect to receive) from all sources? INCLUDE 401(K) ACCOUNTS AND ALL OTHER TYPES OF PENSIONS 1. *TOTALLY INADEQUATE 2. 3. *ENOUGH TO MAINTAIN LIVING STANDARDS 4. 5. *VERY SATISFACTORY ####NOTE: QUESTION TEXT CHANGED X3024 Now I have some questions about your spending. About how much do you (and everyone else in your family) spend on food that you use at home? (What is your best estimate?) IF R SHARES EXPENSES WITH ROOMMATES NOT IN THE PEU, INCLUDE ONLY R'S (FAMILY'S) SHARE. THIS INCLUDES LUNCHES FOR WORK, ETC. MADE AT HOME. INCLUDE FOOD PAID FOR USING FOOD STAMPS. $ AMOUNT: -1. Nothing ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ####NOTE: CODE 31 ADDED X6555(#1) How is the money in (this/these) account(s) invested? Is X6563(#2) it all in stocks, all in interest-earning assets, is it X6571(#3) split between these, or something else? IF R SAYS "MUTUAL FUND", PROBE FOR WHETHER IT IS A STOCK FUND, A BOND FUND, OR ONE SPLIT OVER BOTH TYPES 1. *ALL IN STOCKS 2. *ALL IN INTEREST EARNING ASSETS/BONDS 3. *SPLIT 4. Real estate 5. Hedge fund 6. Annuities 8. Mineral rights 9. GIC/guaranteed income contract 12. Business investment n.e.c. 13. Commodities 15. Life insurance 25. Non publicly traded business or other such investment 30. *MUTUAL FUND (NOT A PREFERRED RESPONSE) 31. *ETF -7. *OTHER 0. Inap. (no IRA/Keogh accounts: X3601^=1; no IRA/Keoghs: X3601^=1/no spouse or partner in PEU: X107^=1/no other PEU members: (X113, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/X3612^=1/X3622^=1) ####NOTED: 'IF NEEDED' NOTE ADDED X6558(#1) How much in total did (you/your {husband/wife/partner}/they) X6566(#2) withdraw in 2015? X6574(#3) IF NEEDED: THE AMOUNT REPORTED HERE SHOULD BE THE GROSS WITHDRAWAL AMOUNT, NOT THE AFTER-TAX WITHDRAWAL AMOUNT. $ AMOUNT: 0. Inap. (no IRA/Keogh accounts: X3601^=1; no IRA/Keoghs: X3601^=1/no spouse or partner in PEU: X107^=1/no other PEU members: (X113, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/X3612^=1/X3622^=1; no withdrawals: X6557^=1/X6565^=1/ X6573^=1) ####NOTE: CODE 31 ADDED X7074(#1) How is the money in this account invested? Is it all X7077(#2) in stocks, all in interest-earning assets, is it split X7080(#3) between these, or something else? X7083(#4) X7086(#5) IF R SAYS "MUTUAL FUND", PROBE FOR WHETHER IT IS A STOCK X7089(#6) FUND, A BOND FUND, OR ONE SPLIT OVER BOTH TYPES 1. *ALL IN STOCKS 2. *ALL IN INTEREST EARNING ASSETS/BONDS 3. *SPLIT 4. Real estate 5. Hedge fund 6. Annuities 8. Mineral rights 9. GIC/Guaranteed Income Contract 12. Business investment n.e.c. 15. Life insurance 25. Non publicly traded business or other such investment 30. Mutual fund (not a preferred response) 31. *ETF -1. None -7. *OTHER 0. Inap. (no savings accounts: X3727^=1/fewer than 2 accounts: X3728<2/fewer than 3 account: X3728<3/ fewer than 4 accounts: X3728<4/fewer than 5 accounts: X3728<5/fewer than 6 accounts; a traditional account, a MM account, an informal group account, a foreign account or a sweep account: X3732=(1, 4, 5, 6, 12, 14, 20, 30)/ X3738=(1, 4, 5, 6, 12, 14, 20, 30)/ X3744=(1, 4, 5, 6, 12, 14, 20, 30)/ X3750=(1, 4, 5, 6, 12, 14, 20, 30)/ X3756=(1, 4, 5, 6, 12, 14, 20, 30)/ X3762=(1, 4, 5, 6, 12, 14, 20, 30)) ********************************************************* FOR THE PUBLIC DATA SET, CODES 4, 5, 6, 8, 12, 15, AND 25 ARE COMBINED WITH CODE -7; CODE 9 IS COMBINED WITH CODE 2 ********************************************************* ####NOTE: ETF REFERENCES ADDED FOR ALL THE FOLLOWING VARS X3821 I need to know what types of funds you have. Do you have. . . stock mutual funds or ETFs? (IF R ASKS, STOCK FUNDS INCLUDE DOMESTIC STOCK FUNDS, GROWTH FUNDS, INDEX FUNDS, GLOBAL STOCK FUNDS, SECTOR FUNDS, AND ANY OTHER TYPE OF FUND PRIMARILY INVESTED IN STOCK.) 1. *YES 5. *NO 0. Inap. (no mutual funds or hedge funds: X3819^=1) X3822 What is the total market value of all of the stock mutual funds and ETFs that you (and your family living here) have? $ AMOUNT: 0. Inap. (no mutual funds or hedge funds: X3819^=1; no stock funds: X3821^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3823 Do you have. . . tax-free bond mutual funds or ETFs? THESE FUNDS INCLUDE MUNICIPAL BONDS ('MUNIs') AND OTHER TAX-EXEMPT BONDS 1. *YES 5. *NO 0. Inap. (no mutual funds or hedge funds: X3819^=1) X3824 What is the total market value of all of the tax-free bond mutual funds and ETFs that you (and your family living here) have? $ AMOUNT: 0. Inap. (no mutual funds or hedge funds: X3819^=1; no tax-free bond funds: X3823^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3825 Do you have. . . U.S. government or government backed bond mutual funds or ETFs? THESE FUNDS INCLUDE U.S. TREASURY BILLS AND BONDS AND OTHER U.S. GOVERNMENT-SPONSORED BONDS. 1. *YES 5. *NO 0. Inap. (no mutual funds or hedge funds: X3819^=1) X3826 What is the total market value of all of the U.S. government or government backed bond mutual funds and ETFs that you (and your family living here) have? $ AMOUNT: 0. Inap. (no mutual funds or hedge funds: X3819^=1; no government or government backed bond funds: X3825^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3827 Do you have. . . other bond mutual funds or ETFs? THESE FUNDS INCLUDE CORPORATE BONDS, COMMERCIAL PAPER, JUNK BONDS, FOREIGN AND ALL REMAINING TYPES OF BONDS 1. *YES 5. *NO 0. Inap. (no mutual funds or hedge funds: X3819^=1) X3828 What is the total market value of all of the other bond mutual funds and ETFs that you (and your family living here) have? $ AMOUNT: 0. Inap. (no mutual funds or hedge funds: X3819^=1; no other bond funds: X3827^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3829 Do you have. . . combination funds or ETFs? COMBINATION FUNDS ('BALANCED FUNDS') HOLD BOTH STOCK AND BONDS. 1. *YES 5. *NO 0. Inap. (no mutual funds or hedge funds: X3819^=1) X3830 What is the total market value of all of the combination funds and ETFs that you (and your family living here) have? $ AMOUNT: 0. Inap. (no mutual funds or hedge funds: X3819^=1; no combination mutual funds: X3829^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7785 Do you have. . . any other mutual funds, ETFs, hedge funds, or REITs? REITs ("reetz") ARE REAL ESTATE INVESTMENT TRUSTS. ETFs ARE EXCHANGE TRADED FUNDS 1. *YES 5. *NO 0. Inap. (no mutual funds or hedge funds: X3819^=1) ####NOTE: 'LUMP SUM DISTRIBUTION OR SETTLEMENT' CHANGED TO 'PAYOUT OR SETTLEMENT' X6575 Did you (or your family living here) purchase these annuities using or rolling over a payout or settlement from a past job pension? 1. *YES 5. *NO 0. Inap. (no annuities: X6815=5) ####NOTE: CODE FRAME CHANGED X4009 Did I record these loans earlier in the interview? 1. *YES 5. *NO 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1; not borrowing on policy: X4007^=1; cash value=0 and not borrowing against: X4006=-1 and X4007^=1) ####NOTE: 'LUMP SUM DISTRIBUTION OR SETTLEMENT OR ROLLOVER' CHANGED TO 'LUMP SUM PAYOUT #### TO KEEP OR ROLLOVER' X11018 X11019 X11020 X11021 (#1a) X11118 X11119 X11120 X11121 (#1b) X11318 X11319 X11320 X11321 (#2a) X11418 X11419 X11420 X11421 (#2b) If (you/he/she/he or she) left this job now, what would (you/your husband/your wife/your partner/your spouse) be eligible to receive from this plan-a lump sum payout to keep or roll over, would (you/he/she/he or she) receive regular payments now or later, would (you/he/she/he or she) get something else, or would (you/he/she/he or she) not be eligible to get anything? ####NOTE: SSI NOW BEING CAPTURED HERE. ALSO GATHERING INFO ON BENEFITS FROM OTHER PERSON IN THE HH #### NOT JUST R/SP X5301 IN PERSON VERSION: (SHOW CARD 16) Are you (or your {husband/wife/partner/spouse}) currently receiving Social Security benefit payments? TELEPHONE VERSION: Are you (or your {husband/wife/partner/spouse}) currently receiving Social Security benefit payments? INCLUDE RAILROAD RETIREMENT AND SUPPLEMENTAL SECURITY INCOME [SSI] AS SOCIAL SECURITY 1. *YES 5. *NO ----------------------------------------------------------------------------- #1 refers to Social Security benefits of head #2 refers to Social Security benefits of spouse/partner #3 refers to Social Security benefits of other persons in the household ----------------------------------------------------------------------------- ####NOTE: SSI/COMBO CODES ADDED (7,8) X5304(#1) Are the payments (you {personally} receive/your X5309(#2) [husband/wife/partner/spouse] receives) for retirement, disability, survivors benefits or Supplemental Security Income [SSI]? IF PAYMENT FOR A DECEASED SPOUSE, CODE AS SURVIVORS 1. *Retirement 2. *Disability 3. *Survivors 6. Dependent's benefit 7. *Supplemental Security Income (SSI) 8. *Combination of SSI and another benefit 0. Inap. (not receiving Social Security benefits: X5301^=1; /no spouse/partner; not receiving Social Security: X5303^=1/X5308^=1) ----------------------------------------------------------------------------- #1 refers to first settlement #2 refers to second settlement #3 refers to third settlement #4 refers to fourth settlement #5 refers to all remaining settlements ----------------------------------------------------------------------------- ####NOTE: IF NEEDED NOTE ADDED X6464(#1) How much in total did (you/your X6469(#2) husband/your wife/your partner/your spouse) X6474(#3) withdraw in 2015? X6479(#4) IF NEEDED: THE AMOUNT REPORTED HERE SHOULD BE THE GROSS WITHDRAWAL AMOUNT, NOT THE AFTER-TAX WITHDRAWAL AMOUNT. $ AMOUNT: ####NOTE: QUESTION TEXT CHANGED AND ADDITIONAL INSTRUCTIONS ADDED X5501 Have you (or your {husband/wife/partner/spouse}) ever received a payout or rollover from a pension or retirement plan from a previous job? Such payouts and rollovers are generally associated with a job change. IF YES: Do not include severance pay, worker's compensation, or other pension or retirement account payments you told us about earlier. If asked: A ROLLOVER IS THE TRANSFER OF FUNDS FROM ONE PENSION OR RETIREMENT PLAN TO ANOTHER PENSION OR RETIREMENT PLAN, KEOGH OR IRA. ####NOTE: 'SETTLEMENT' CHANGED TO PAYOUT OR ROLLOVER IN NEXT SEVERAL QUESTIONS X5503(#1) Who received (this/the first) payout or rollover, you or your X5506(#2) (husband/wife/partner/spouse)? X5509(#3) X5512(#4) 1. Head (Originally *Respondent) 2. *Spouse/partner 0. Inap. (no settlements: X5501^=1; no settlements: X5502<1/less than 2 settlements: X5502<2/ less than 3 settlements: X5502<3/less than 4 settlements: X5502<4) X5504(#1) What was the amount of (this/the first) payout or rollover? X5507(#2) X5510(#3) $ AMOUNT: X5513(#4) 0. Inap. (no settlements: X5501^=1; no settlements: X5502<1/less than 2 settlements: X5502<2/ less than 3 settlements: X5502<3/less than 4 settlements: X5502<4) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* In what year was (this/the first) payout or rollover received? X5505(#1) YEAR: X5508(#2) 0. Inap. (no settlements: X5501^=1; no settlements: X5511(#3) X5502<1/less than 2 settlements: X5502<2/ X5514(#4) less than 3 settlements: X5502<3/less than 4 settlements: X5502<4) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-100,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 2016 ********************************************************* X5470(#5) Whose payout or rollover (is this/are these) -- yours, or your (husband's/wife's/partner's/spouse's)(, or both)? 1. *RESPONDENT 2. *SPOUSE/PARTNER 3. *BOTH 0. Inap. (no settlements: X5501^=1; less than 5 settlements: X5502<5; no spouse/partner) ####NOTE: IF NEEDED NOTE ADDED X6965(#1) How much in total did (you/your husband/ X6971(#2) your wife/your partner/your spouse) withdraw in X6977(#3) 2015? X6983(#4) IF NEEDED: THE AMOUNT REPORTED HERE SHOULD BE THE GROSS WITHDRAWAL AMOUNT, NOT THE AFTER-TAX WITHDRAWAL AMOUNT. $ AMOUNT: -1. Nothing 0. Inap. (no future pensions: X5601^=1; no future benefits: X5602<1/ less than 2 future benefits: X5602<2/less than 3 benefits X5602<3/less than 4 benefits: X5602<4; not an account-type or mixture plan: X5603=1/X5611=1/X5619=1/X5627=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ####NOTE: NEGATIVE VALUE NOW ACCEPTED HERE X5702 In total, what was your (family's) annual income from wages and salaries in 2015, before deductions for taxes and anything else? WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME. INCLUDE OVERTIME, BONUSES, AND TIPS. IRS FORM 1040 LINE NUMBER: 7 ANNUAL $ AMOUNT IN 2015: 0. Inap. (no wage income: X5701^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [-999999999,...,999999999] IF <1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ####NOTE: 'ONE' ADDED TO BOTH QUESTION VERSIONS X6364 IN PERSON VERSION: (SHOW CARD 21) This is a list of reasons why some people don't have health insurance. Which one reason best describes why (you are not covered/not everyone living here is covered)? READ RESPONSES IF NECESSARY. TELEPHONE VERSION: Which one of the following reasons best describes why (you don't have/not everyone living here has) health insurance: ####################################################################################### #2. NEW VARIABLE TEXT ####################################################################################### ----------------------------------------------------------------------------- #1 refers to IRA/Keogh account of R #2 refers to IRA/Keogh account of spouse/partner #3 refers to IRA/Keogh account of other PEU member ----------------------------------------------------------------------------- X6791(#1) Did (you/your {husband/wife/partner}/your other family members) X6793(#2) make any contributions to (this/these) account(s) in 2015? X6795(#3) PLEASE DO NOT INCLUDE ROLLOVERS OR CASHOUTS FROM OTHER PENSION PLANS OR IRAS AS NEW IRA CONTRIBUTIONS. WE WILL COLLECT THIS INFORMATION LATER IN THE SURVEY. 1. *YES 5. *NO 0. Inap. (no IRA/Keogh accounts: X3601^=1; no IRA/Keoghs: X3601^=1/no spouse or partner in PEU: X107^=1/no other PEU members: (X113, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/ X3612^=1/X3622^=1) X6792(#1) How much in total did (you/he/she/they) contribute in 2015? X6794(#2) X6796(#3) 0. Inap. (no IRA/Keogh accounts: X3601^=1; no IRA/Keoghs: X3601^=1/no spouse or partner in PEU: X107^=1/no other PEU members: (X113, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/ X3612^=1/X3622^=1; no contributions: X6791^=1/X6793^=1/ X6795^=1) ----------------------------------------------------------------------------- #1 refers to Social Security benefits of head #2 refers to Social Security benefits of spouse/partner #3 refers to Social Security benefits of other persons in the household ----------------------------------------------------------------------------- X7873(#3) IN PERSON VERSION: (SHOW CARD 10) Are other members of your family living here currently receiving Social Security benefit payments? TELEPHONE VERSION: Are other members of your family living here currently receiving Social Security benefit payments? INCLUDE RAILROAD RETIREMENT AND SUPPLEMENTAL SECURITY INCOME (SSI) AS SOCIAL SECURITY 1. *YES 5. *NO 0. Inap. (PEU contains only 1 person; PEU contains 2 people and spouse present; X7001 =1; X7020=2 and X7001 =2) X7874 X7875 X7876 X7877 X7878(#3) Thinking about other members of your household, are the payments other members of the PEU receive for retirement, disability, survivors benefits or SSI? CODE ALL THAT APPLY IF PAYMENT FOR A DECEASED SPOUSE, CODE AS SURVIVORS X7874 *Retirement X7875 *Disability X7876 *Survivors X7877 Dependents benefit X7878 Supplemental Security Income 1. *YES 5. *NO 0. Inap. (not receiving Social Security benefits: X5301^=1; PEU contains only 1 person: X7001=1; PEU contains 2 people and spouse present: X7020=2 and X7001 =2; Other household members not receiving Social Security: X7873^=1) X7592 Have you (or anyone in your family living here) written a paper check to make a payment in the past 12 months? 1. *YES 5. *NO X7593 Online banking is a method of accessing a financial account using the Internet to check your account balance, view recent transactions, transfer money, or pay bills. Have you (or anyone in your family living here) used online banking in the past 12 months? INCLUDE ACCESSING ACCOUNTS THROUGH MOBILE DEVICES SUCH AS CELL PHONES AND TABLETS. 1. *YES 5. *NO X7594 A reloadable prepaid debit card is not linked to a bank or credit union account, but you or someone else, like a relative, or a government agency, can add money onto this card. You can use it to make purchases and pay bills where credit cards are accepted. Do you (or anyone in your family living here) have any prepaid debit cards? IF ASKED: INCLUDE PAYROLL CARDS FOR WAGES OR SALARY IF ASKED: DO NOT INCLUDE DIRECT EXPRESS CARDS, ELECTRONIC BENEFIT TRANSFER CARDS (EBT), OTHER GOVERNMENT BENEFIT CARDS, PHONE CARDS, GIFT CARDS FOR A PARTICULAR STORE OR SERVICE OR CARDS THAT YOU CANNOT ADD MORE MONEY ONTO. 1. *YES 5. *NO X7595 Do you (or your family living here) ever go into a local branch of the institution with your main checking account to do business in person? 1. *Yes 2. *YES, BUT JUST TO USE THE ATM 3. *NO, NOT SINCE THE ACCOUNT WAS OPENED 5. *No, never 0. Inap. (no checking account: X3501=5) X7596 You previously mentioned that you (or your family living here) have one or more reloadable prepaid debit cards or prepaid government benefit cards. How much in total is in all your (family's) prepaid card accounts ? PROBE: What was the average over the last month? -1. Nothing 0. Inap. (no prepaid accounts: X7594^=1 and X7648^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7597 Do you (or your family living here) ever go into a local branch of the institution with your largest savings/moneymarket account to do business in person? 1. *Yes 2. *YES, BUT JUST TO USE THE ATM 3. *NO, NOT SINCE THE ACCOUNT WAS OPENED 5. *No, never 0. Inap. (no savings account: X3727=5) ----------------------------------------------------------------------------- #1 refers to first education loan #2 refers to second education loan #3 refers to third education #4 refers to fourth education #5 refers to fifth education #6 refers to sixth education #7 refers to all remaining education loans ----------------------------------------------------------------------------- X7978(#1) For whose education was (this/the largest/ X7883(#2) the next largest) loan taken out? X7888(#3) X7893(#4) 1. *Respondent X7898(#5) 2. *Spouse/Partner X7993(#6) 3. *Child 4. *Grandchild 5. *Other relative -7. Other 0. Inap. (no education loans: X7801^=1/less than 2 loans: X7802<2/less than 3 loans:X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6) X7879(#1) Is this loan a federal student loan such as Stafford, Direct, PLUS, or Perkins? X7884(#2) X7889(#3) 1. *YES X7894(#4) 5. *NO X7899(#5) 0. Inap. (no education loans: X7801^=1/less than 2 loans: X7994(#6) X7802<2/less than 3 loans:X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6) In what year (or at what age) did (you/he/she/he or she) last attend the educational program this loan was used to pay for? X7880(#1) YEAR: X7885(#2) -1. Still enrolled X7890(#3) 0. Inap. (no education loans: X7801^=1/less than 2 loans: X7895(#4) X7802<2/less than 3 loans:X7802<3/less than 4 loans: X7900(#5) X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7995(#6) X7802<6; R/Sp not owner of loan: X7978/X7883/X7888/ X7893/X7898/X7993 ^= (1,2)) ********************************************************* ORIGINALLY ALLOWED VALUES: [1900,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8030(#1) YEARS AGO: X8032(#2) -1. Still enrolled X8034(#3) 0. Inap. (no education loans: X7801^=1/less than 2 loans: X8036(#4) X7802<2/less than 3 loans:X7802<3/less than 4 loans: X8038(#5) X7802<4/less than 5 loans: X7802<5/less than 6 loans: X8040(#6) X7802<6) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,90] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8031(#1) AGE: X8033(#2) -1. Still enrolled X8035(#3) 0. Inap. (no education loans: X7801^=1/less than 2 loans: X8037(#4) X7802<2/less than 3 loans:X7802<3/less than 4 loans: X8039(#5) X7802<4/less than 5 loans: X7802<5/less than 6 loans: X8041(#6) X7802<6; loan not for R or SP: X7978^=(1,2)/ X7883^=(1,2)/X7888^=(1,2)/X7893^=(1,2)/ X7898^=(1,2)/X7993^=(1,2)) ********************************************************* ORIGINALLY ALLOWED VALUES: [13,...,99] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >X8022/X104: GREATER THAN CURRENT AGE ERROR MESSAGE ********************************************************* X7881(#1) Did (you/he/she/he or she) complete the educational program X7886(#2) this loan was used to pay for? X7891(#3) X7896(#4) 1. *YES X7901(#5) 5. *NO X7996(#6) 0. Inap. (no education loans: X7801^=1/less than 2 loans: X7802<2/less than 3 loans:X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6; still enrolled: X7880=-1/ X7885=-1/ X7890=-1/ X7895=-1/X7900=-1/ X7995=- 1) X9300(#1) What is the reason that (you are/he is/she is/he or she is) not X9301(#2) making payments on (your/his/her/his or her) loan? (Are you/Is he/ X9302(#3) Is she/Are they) in a post-graduation grace period, in a job or public X9303(#4) service related loan forgiveness program, or simply unable to afford X9304(#5) the loan payment? X9305(#6) 1. *LOAN FORBEARANCE OR POST-GRADUATION GRACE PERIOD 2. *JOB OR PUBLIC SERVICE LOAN FORGIVENESS PROGRAM 3. *UNABLE TO AFFORD LOAN PAYMENT -7. OTHER 0. Inap. (no education loans: X7801^=1/less than 2 loans: X7802<2/less than 3 loans:X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6; still enrolled: X7880=-1/X7885=-1/ X7890=-1/ X7895=-1/X7900=-1/X7995=- 1; making payments on loan: X7806/X7829/X7852/X7906/X7929/X7952=1;) X9306(#1) Is the payment amount (on this loan) (you/he/she/he or she) owe each month X9307(#2) determined by (your/his/her/his or her) income, for example an Income-Based X9308(#3) Repayment Plan, Pay as you Earn Plan, or Income-Contingent Repayment Plan? X9309(#4) X9310(#5) 1. *YES X9311(#6) 5. *NO 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/ less than 5 loans: X7802<5/less than 6 loans: X7802<6; not paying on loan now: X7806^=1/X7829^=1/X7852^=1/X7906^=1/ X7929^=1/X7952^=1; still enrolled: X7880=-1/ X7885=-1/ X7890=-1/X7895=-1/X7900=-1/ X7995=- 1) ********************************************************* EDIT CHECK (#1): If R has a zero dollar payment on their education loan and isn't in an income based repayment program: IF (X7815=-1 & X9306=5/X7838=-1 & X9307=5/X7861=-1 & X9308=5/X7915=-1 & X9309=5/X7938=-1 & X9310=5/X7961=-1 & X9311=5) CAPI text displayed: ATTENTION: POSSIBLE R PAYMENT ERROR. R REPORTED THAT PAYMENTS ARE BEING MADE ON THE LOAN BUT THAT THE PAYMENT AMOUNT IS ZERO DOLLARS AND THAT THEY ARE NOT ENROLLED IN AN INCOME BASED REPAYMENT PROGRAM. PLEASE EXPLAIN HOW THEY CONSIDER THEMSELVES TO BE MAKING PAYMENTS ON THE LOAN WHEN THEY ARE NOT IN AN INCOME BASED REPAYMENT PROGRAM THAT ALLOWS A ZERO DOLLAR PAYMENT. COMMENT LATER COMMENT NOW ********************************************************* X7421(#1) Is the amount owed on this loan being completely forgiven or partially X7423(#2) forgiven? X7425(#3) X7427(#4) 1. *COMPLETELY FORGIVEN X7429(#5) 2. *PATIALLY FORGIVEN X7431(#6) -7. Other 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/ less than 5 loans: X7802<5/less than 6 loans: X7802<6; not in loan forgiveness program: X9300^=2/X9301=^2/ X9302^=2/X9303^=2/X9304^=2/9305^=2; still enrolled: X7880=-1/X7885=-1/ X7890=-1/ X7895=-1/X7900=-1/X7995=- 1; making payments on loan: X7806/X7829/X7852/ X7906/X7929/X7952=1;) X7422(#1) (Are you/Is he/Is she/Is he or she) in an income based repayment program, X7424(#2) receiving a hardship deferral on the loan payment, or X7426(#3) something else? X7428(#4) X7430(#5) 1. *INCOME BASED REPAYMENT X7432(#6) 2. *HARDSHIP DEFERRAL ON LOAN PAYMENT 3. Other not paying -7. Other 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/ less than 5 loans: X7802<5/less than 6 loans: X7802<6; paying on loan now: X7806^=5/X7829^=5/X7852^=5/X7906^=5/X7929^=5/X7952^=5; post graduation grace period: X9300=1/X9301=1/X9302=1/ X9303=1/X9304=1/X9305=1; loan forgiveness program: X9300=2/X9301=2/X9302=2/X9303=2/X9304=2/X9305=2; still enrolled: X7880=-1/X7885=-1/ X7890=-1/X7895=-1/X7900=-1/ X7995=- 1; making payments on loan: X7806/X7829/X7852/X7906/ X7929/X7952=1;) The following questions ask about applications for credit (including pre-approved offers) that you have made over the past twelve months. Answer 'yes' if you (or your {husband/wife/ partner}) applied for a particular type of credit whether or not you actually received the credit you applied for. During the past twelve months, did you (or your {husband/wife/ partner}) do any of the following? X433 Apply for a credit card or respond to a pre-approved credit card offer? 1. *YES 5. *NO X434 Request an increase in the credit limit of a credit card? 1. *YES 5. *NO X435 Apply for a mortgage or home-based loan? 1. *YES 5. *NO X436 Request to refinance a mortgage? 1. *YES 5. *NO X437 Apply for an auto loan? 1. *YES 5. *NO X438 Apply for a student loan? 1. *YES 5. *NO X439 Apply for any other consumer credit? 1. *YES 5. *NO X440 Request an increase in the limit of an existing loan (other than a credit card)? 1. *YES 5. *NO X441 You just indicated that you did not apply for any credit over the past twelve months. Was that because you had no need for additional credit, you thought interest rates were too high, you did not think you would get approved, or something else? 1. *NO NEED FOR ADDITIONAL CREDIT; satisfied with current financial situation 2. *INTEREST RATES WERE TOO HIGH 3. *DID NOT THINK I WOULD GET APPROVED 4. *DID NOT KNOW HOW TO APPLY OR NOT WORTH THE EFFORT; too time consuming 5. Don't want additional credit; prefers to avoid using credit -7. *Other 0. Inap. (any credit application in last twelve months: X433^=5 or X434^=5 or X435^=5 or X436^=5 or X437^=5 or X438^=5 or X439^=5 or X440^=5) X7775 If tomorrow you experienced a financial emergency that left you unable to pay all of your bills, how would you deal with it? Would you borrow money, would you spend out of savings or investments, would you postpone paying bills, or would you do something else? 1. *BORROW MONEY 2. *SPEND OUT OF SAVINGS/INVESTMENTS 3. *POSTPONE PAYMENTS 4. *CUT BACK -7. *OTHER 0. Inap. (spending exceeded income: X7510=1) X7776 (Show Card 12) X7777 Please tell me where you would borrow from first. Is it...? Anywhere else? (CODE ALL THAT APPLY) 1. *Family 2. *Friends 3. *Credit Card 4. *Car title lender 5. *Pawn Shop 6. *Title Loan 7. *Payday Lender 8. *Church 9. *Social Service Institution 10. Personal Loan, n.e.c. 11. Financial Institution -7. *OTHER 0. Inap. (spending exceeded income: X7510=1;would not borrow money to make up difference: X7775^=1) X7778 (Show Card 13) X7779 Please tell me what is the first account you would you spend from, or what is the first asset you would you sell. Is it your... What else? DURABLE GOODS INCLUDE FURNITURE AND APPLIANCES OTHER MISCELLANEOUS VALUABLES INCLUDES ART, COLLECTIONS, JEWELRY, AND SILVERWARE (CODE ALL THAT APPLY) 1. *Savings account 2. *Stocks, bonds, CDs, or other financial assets 3. *Home Equity loan or line of credit 4. *Pension or Retirement Accounts 5. *Automobile 6. *Real Estate 7. *Durable goods 8. *Other miscellaneous valuables 9. Business(es) -7. *OTHER 0. Inap. (spending exceeded income: X7510=1; would not spend out of savings/investments to make up difference: X7775^=2) X7780 (Show Card 14) X7781 Please tell me what is the first payment you would postpone or renegotiate. Is it payment on your... What else? (CODE ALL THAT APPLY) 1. *Credit cards 2. *Store charge cards 3. *Payments due for services or goods purchased 4. *Utilities 5. *Insurance 6. *Rent 7. *Mortgage 8. *Auto loans 9. *Student loans 10. *Other miscellaneous loans 11. *Installment or layaway loans -7. *OTHER 0. Inap. (spending exceeded income: X7510=1; would not postpone payments to make up difference: X7775^=3) X7782 (Show Card 15) X7783 Please tell me what is the first expense you would cut back on. Is it spending on... What else? ENTERTAINMENT INCLUDES ACTIVITIES IN AND OUT OF THE HOME NON-DURABLE GOODS INCLUDE CLOTHING AND HOUSEWARES PERSONAL CARE INCLUDES HAIR CARE AND GYM MEMBERSHIPS HEALTH CARE INCLUDE DOCTOR VISITS AND MEDICINE PERSONAL OR HOME SERVICES INCLUDE HOUSE CLEANING AND LAWNCARE (CODE ALL THAT APPLY) 1. *Eating or drinking out 2. *Food or beverages at home 3. *Entertainment 4. *Travel 5. *Non-durable goods 6. *Personal care 7. *Health care 8. *Personal or home services -7. *OTHER 0. Inap. (spending exceeded income: X7510=1; would not cut back on expenses to make up difference: X7775^=4) X7556 (SHOW CARD 1) Some people are very knowledgeable about personal finances, while others are less knowledgeable about personal finances. On a scale from zero to ten, where zero is not at all knowledgeable about personal finance and ten is very knowledgeable about personal finance, what number would you (and your {husband/wife/partner}) be on the scale? -1. *NOT AT ALL KNOWLEDGEABLE ABOUT PERSONAL FINANCE 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. *VERY KNOWLEDGEABLE ABOUT PERSONAL FINANCE NOTE: CARD 1 contains the following information: The numbers 0 through 10 in a horizontal row bounded by dark lines. Below 0 is printed "Not at all knowledgeable about personal finance" and below 10 is printed "Very knowledgeable about personal finance." Nothing is printed below 1 through 9. X7557 (SHOW CARD 2) Some people are fully prepared to take financial risks when they save or make investments, while others try to avoid taking financial risks. On a scale from zero to ten, where zero is not at all willing to take risks and ten is very willing to take risks, what number would you (and your {husband/wife/partner}) be on the scale? -1. *NOT AT ALL WILLING TO TAKE FINANCIAL RISKS 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. *VERY WILLING TO TAKE RISKS NOTE: CARD 2 contains the following information: The numbers 0 through 10 in a horizontal row bounded by dark lines. Below 0 is printed "Not at all willing to take risks" and below 10 is printed "Very willing to take risks." Nothing is printed below 1 through 9. The next three questions are about your opinion on money and investments. X7558 Do you think that the following statement is true or false: buying a single company's stock usually provides a safer return than a stock mutual fund? 1. *TRUE 5. *FALSE -2. Don't know -3. Refused X7559 Suppose you had $100 in a savings account and the interest rate was 2% per year. After 5 years, how much do you think you would have in the account if you left the money to grow: more than $102, exactly $102, or less than $102? 1. *MORE THAN $102 3. *EXACTLY $102 5. *LESS THAN $102 -2. Don't know -3. Refused X7560 Imagine that the interest rate on your savings account was 1% per year and inflation was 2% per year. After 1 year, would you be able to buy more than today, exactly the same as today, or less than today with the money in this account? 1. *MORE THAN TODAY 3. *EXACTLY THE SAME AS TODAY 5. *LESS THAN TODAY -2. Don't know -3. Refused X3031 Have you (or your [husband/wife/partner]) ever had a foreclosure proceeding brought against a property you have owned? 1. *YES 5. *NO When was that? IF MORE THAN ONCE, ASK: When was the most recent time? X3032 NUMBER OF YEARS AGO: 0. Inap. (never had foreclosure: X3031^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3033 YEAR: 0. Inap. (never had foreclosure: X3031^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-100,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3034 Did you lose the property as a result? 1. *YES 5. *NO 0. Inap. (never had foreclosure: X3031^=1) X3035 Are you still in the foreclosure process? 1. *YES 5. *NO, RECEIVED A LOAN MODIFICATION 6. *NO, WAS ABLE TO CATCH UP ON PAYMENTS 8. *NO, SOLD THE HOME -7. Other 0. Inap. (never had foreclosure: X3031^=1; lost home: X3034=1) X7561 (SHOW CARD 3) When making major decisions about borrowing money or obtaining credit, some people search for the very best terms while others don't. On a scale from zero to ten, where zero is no searching and ten is a great deal of searching, what number would you (and your {husband/wife/partner}) be on the scale? IF R SAYS "I DON'T BORROW", SAY: What did you do the last time you borrowed? -1. *NO SEARCHING 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. *A GREAT DEAL OF SEARCHING NOTE: CARD 3 contains the following information: The numbers 0 through 10 in a horizontal row bounded by dark lines. Below 0 is printed "No shopping" and below 10 is printed "A great deal of shopping." Nothing is printed below 1 through 9. Note: X7561 will be mapped back into the five categories used for X7100, a variable from previous survey years. For details on this variable, see previous codebooks. X7562 (SHOW CARD 3) When making saving and investment decisions, some people search for the very best terms while others don't. On a scale from zero to ten, where zero is no searching and ten is a great deal of searching, what number would you (and your {husband/wife/partner}) be on the scale? -1. *NO SEARCHING 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. *A GREAT DEAL OF SEARCHING NOTE: CARD 3 contains the following information: The numbers 0 through 10 in a horizontal row bounded by dark lines. Below 0 is printed "No shopping" and below 10 is printed "A great deal of shopping." Nothing is printed below 1 through 9. Note: X7562 will be mapped back into the five categories used for X7111 in previous surveys. For details on this variable, see previous codebooks. X7648 Do you (or anyone in your family living here) have a government benefit card such as a Direct Express card, or an Electronic Benefit Transfer (EBT) card for WIC or Food Stamps? 1. *YES 5. *NO ----------------------------------------------------------------------------- #1 refers to characteristics of head #2 refers to characteristics of spouse/partner ----------------------------------------------------------------------------- X5931(#1) What is the highest level of school completed or the highest X6111(#2) degree you have received? I'd like to ask you some questions about your (husband/wife/ partner/spouse)'s background. What is the highest level of school or the highest degree (he/she/he or she) completed? RECORD THE HIGHEST LEVEL OF EDUCATION COMPLETED, NOT THE TIME IT TOOK TO COMPLETE IT. DO NOT INCLUDE TRADE SCHOOLS AS COLLEGE. 1. *1st, 2nd, 3rd, or 4th grade 2. *5th or 6th grade 3. *7th and 8th grade 4. *9th grade 5. *10th grade 6. *11th grade 7. *12th grade, no diploma 8. *High school graduate - high school diploma or equivalent 9. *Some college but no degree 10. *Associate degree in college - occupation/vocation program 11. *Associate degree in college - academic program 12. *Bachelor's degree (for example: BA, AB, BS) 13. *Master's degree ( for exmaple: MA, MS, MENG, MED, MSW, MBA) 14. *Professional school degree (for example: MD, DDS, DVM, LLB, JD) 15. *Doctorate degree (for example: PHD, EDD) -1. *Less than 1st grade 0. Inap. (no spouse/partner) X5932(#1) People can get a High School diploma in a variety of ways, such as graduating X6112(#2) from High School or by getting a GED or other equivalent. How did (you/he/she/ he or she) get (your/his/he/his or her) High School diploma? 1. *GRADUATION FROM HIGH SCHOOL 2. *GED OR OTHER EQUIVALENCY PROGRAM 0. Inap. (no spouse/partner; high school diploma not highest schooling acheieved: X5931/X6111^=8) X5933(#1) How many years of college credit (have/has)(you/he/she/he or she) completed? X6113(#2) 1. *Less than one year 2. *The first, or Freshman year 3. *The second, or Sophomore year 4. *The third, or Junior year 5. *Four or more years 0. Inap. (no spouse/partner; Did not complete some college, no degree: X5931/X6111^=9) X6032(#1) What is the highest level of school or the highest degree she X6132(#2) completed? RECORD THE HIGHEST LEVEL OF EDUCATION COMPLETED, NOT THE TIME IT TOOK TO COMPLETE IT. DO NOT INCLUDE TRADE SCHOOLS AS COLLEGE. 1. *1st, 2nd, 3rd, or 4th grade 2. *5th or 6th grade 3. *7th and 8th grade 4. *9th grade 5. *10th grade 6. *11th grade 7. *12th grade, no diploma 8. *High school graduate - high school diploma or equivalent 9. *Some college but no degree 10. *Associate degree in college - occupation/vocation program 11. *Associate degree in college - academic program 12. *Bachelor's degree (for example: BA, AB, BS) 13. *Master's degree ( for exmaple: MA, MS, MENG, MED, MSW, MBA) 14. *Professional school degree (for example: MD, DDS, DVM, LLB, JD) 15. *Doctorate degree (for example: PHD, EDD) -1. *Less than 1st grade 0. Inap. (no spouse/partner;) X6033(#1) What is the highest level of school or the highest degree he X6133(#2) completed? RECORD THE HIGHEST LEVEL OF EDUCATION COMPLETED, NOT THE TIME IT TOOK TO COMPLETE IT. DO NOT INCLUDE TRADE SCHOOLS AS COLLEGE. 1. *1st, 2nd, 3rd, or 4th grade 2. *5th or 6th grade 3. *7th and 8th grade 4. *9th grade 5. *10th grade 6. *11th grade 7. *12th grade, no diploma 8. *High school graduate - high school diploma or equivalent 9. *Some college but no degree 10. *Associate degree in college - occupation/vocation program 11. *Associate degree in college - academic program 12. *Bachelor's degree (for example: BA, AB, BS) 13. *Master's degree ( for exmaple: MA, MS, MENG, MED, MSW, MBA) 14. *Professional school degree (for example: MD, DDS, DVM, LLB, JD) 15. *Doctorate degree (for example: PHD, EDD) -1. *Less than 1st grade 0. Inap. (no spouse/partner;) ----------------------------------------------------------------------------- #1 refers to the first gift/inheritance #2 refers to the second gift/inheritance #3 refers to the third gift/inheritance #4 refers to all remaining gifts/inheritances ----------------------------------------------------------------------------- X5827(#1) What kind of assets were included in that inheritance? X5832(#2) X5837(#3) 0. Inap. (no inheritances: X5801^=1; no inheritances: X5802<1/less than 2 inheritances: X5802<2/ less than 3 inheritances: X5802<3; not received in previous year: X5805/X5810/X5815^=2015) ###################################################################################### NOTE: X7563 is the only new var in the following question, but all the variables are substantially related ###################################################################################### X7123 X7124 X7563 X6858 X6859 X6912 X7125 X6913 X6914 What types of deposits are these? What types of deposits are these: paychecks, Social Security benefits, or other types of deposits? CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN. X7123: *PAYCHECK; Other income from work (e.g., consulting fees); reimbursements for work expenses X7124: *SOCIAL SECURITY OR DISABILITY; VA Bisability; Railroad Retirement X7563: *SUPPLEMENTAL SECURITY INCOME (SSI), FOOD STAMPS (SNAP), WELFARE, OR OTHER GOVERNMENT BENEFITS X6858: *OTHER PENSION OR OTHER RETIREMENT INCOME; IRA/Keogh withdrawals; annuity income X6859: *INVESTMENT INCOME; royalty or trust income X6912: *TRANSFER TO ONE OF PEU'S ACCOUNTS FROM ANOTHER PEU ACCOUNT X7125, X6913, X6914: *OTHER 1. Checked (any except X7125/X6913/X6914) 4. Disability payments; VA disability benefits (only X7125/X6913/X6914) 5. Not checked (any) 6. Supplemental Security Income (SSI) and other types of welfare (only X7125/X6913/X6914) 8. Automatic payments on loans made by R (i.e., loans from which R receives income) (only X7125/X6913/X6914) 10. Alimony/support; other support from family members (only X7125/X6913/X6914) 13. Insurance reimbursement (only X7125/X6913/X6914) 15. Tax refund (only X7125/X6913/X6914) 16. Government payments (not classified elsewhere) (only X7125/X6913/X6914) 17. Periodic settlement of legal claim, estate, lottery, or other such obligation, n.e.c. (only X7125/X6913/X6914) 18. Reimbursement from "flexible spending account" (only X7125/X6913/X6914) 22. Disbursements from loans (only X7125/X6913/X6914) -7. Other 0. Inap. (no automatic deposits: X7122^=1) ####################################################################################### #3. REMOVED VARIABLES ####################################################################################### X5901,X5902,X5903,X5904,X5905,X6101,X6102,X6103,X6104,X6105,X6788,X6497, X6442,X302,X7100,X7111,X7127,X7128,X6790,X6854,X6855,X6856,X7129,X6857, X6860,X7129,X6600,X6871,X6601,X6602,X6603,X6604,X6605,X6606,X6607,X6870, X6608,X6875,X6609,X6610,X6611,X6612,X6613,X6614,X6615,X6874,X6616,X6879, X6617,X6618,X6619,X6620,X6621,X6622,X6623,X6878,X6624,X6883,X6625,X6626, X6627,X6628,X6629,X6630,X6631,X6882,X6632,X6887,X6633,X6634,X6635,X6636, X6637,X6638,X6639,X6886,X6640,X6891,X6641,X6642,X6643,X6644,X6645,X6646, X6647,X6890,X6656,X6895,X6657,X6658,X6659,X6660,X6661,X6662,X6663,X6894, X6873,X6877,X6881,X6885,X6889,X6893,X6897,X7065,X7066,X7067,X7068,X7069, X7070,X7076,X7079,X7082,X7085,X7088,X7091,X404,X7131,X7803,X7826,X7849, X7903,X7926,X7949,X7584,X7804,X7827,X7850,X7904,X7927,X7950,X7173,X7174, X7175,X7176,X7177,X7178,X7584,X7812,X7835,X7858,X7912,X7935,X7958,X7817, X7840,X7863,X7917,X7940,X7963,X7818,X7841,X7864,X7918,X7941,X7964,X7818, X7841,X7864,X7918,X7941,X7964,X410,X7071,X7072,X7073,X7977,X428,X429 X430,X6872,X6876,X6880,X6884,X6888,X6892,X6896