----------------------------------------------------------------------------- ----------------------------------------------------------------------------- SCREENER ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- AP SAMPLE ELIGIBILITY: ORDER OF PREFERENCE 1. The household of a 2007 respondent or spouse or partner of that person still living at the address associated with the 2007 interview. 2. The household of the 2007 respondent living at a different address in 2009. 3. The household of the spouse of partner of the 2007 respondent living at a different address in 2009. LS ELIGIBILITY: ORDER OF PREFERENCE 1. For a case with one name in the original contact information or an observation with two names that did not spawn a new case, the household of the 2007 respondent. 2. For a case with one name in the original contact information or an observation with two names that did not spawn a new case, the household of the spouse or partner of the 2007 respondent. 3. For a household that did spawn a new case, the first name in the original contact information. 4. For a household that did spawn a new case, the second name in the original contact information. SPECIFICIALLY INELIGIBLE: 1. 2007 R was not living with spouse/partner and R is deceased or permanently out of the country in 2009. 2. 2007 R was living with spouse/partner and R and S/P both either deceased or permanently out of the country 2009. PREFERRED ORDER OF PREFERENCE FOR 2009 R: 1. The 2007 SCF respondent (PREFERRED) 2. The spouse or partner of the 2007 SCF respondent at the time of the 2007 SCF interview 3. New spouse/partner of the original R ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- HHL: HOUSEHOLD LISTING ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Q1400 P7504 INTERVIEWER: CHOOSE LANGUAGE TO CONDUCT INTERVIEW IN. 1. ENGLISH 2. SPANISH Q1511 P7578 INTERVIEWER: ARE SHOWCARDS AVAILABLE TO THE R FOR THIS INTERVIEW? 1. SHOWCARDS AVAILABLE 5. SHOWCARDS NOT AVAILABLE THIS STATEMENT MUST BE READ TO ALL RESPONDENTS: This interview is completely voluntary and confidential, and all the information collected will be used for statistical purposes only. Because this interview is a part of the Survey of Consumer Finances, I will be asking a number of questions that have dollar answers. The most useful answer is always an exact amount that truly reflects your situation. However, this is not always possible--you may not know the figure, or you may not feel comfortable answering. Because your answers are so important to the study, I am allowed to collect dollar ranges when no better information is available. Of course, if there is a question you cannot answer or do not want to answer, we will move on at that point. Feel free to consult any knowledgeable person or use any records and notes at any time during this interview. And please ask questions when anything is not clear. QHHL0: P8001 INTERVIEWER: IS THE 2007 R INCLUDED IN THIS HOUSEHOLD? 1. YES 5. NO (note: DK/REF are not legal responses here) QHHL1: P0901 INTERVIEWER: IS INTERVIEW BEING CONDUCTED WITH THE 2007 RESPONDENT? IS INTERVIEW BEING CONDUCTED WITH THE SPOUSE/PARTNER OF THE 2007 RESPONDENT? (SELECT 'YES' IF A PROXY IS ANSWERING FOR THE (2007 RESPONDENT/SPOUSE/PARTNER OF THE 2007 RESPONDENT). 1. YES 5. NO (note: DK/REF are not legal responses here) QHHL1a: P0901A INTERVIEWER: CONFIRMING: RESPONDENT IS THE SAME PERSON AS THE 2007 RESPONDENT. CONFIRMING: RESPONDENT IS THE SPOUSE/PARTNER OF THE 2007 RESPONDENT. CONFIRMING: RESPONDENT IS THE SPOUSE/PARTNER OF THE 2007 RESPONDENT. CONFIRMING: RESPONDENT IS THE NEW SPOUSE/PARTNER OF THE SPOUSE/PARTNER OF THE 2007 RESPONDENT. 1. YES 5. NO (note: DK/REF are not legal responses here) Q7A3-Q7A12 P108(#3) Before we start the interview, I need to list the people who P114(#4) live with you and obtain some basic information about each one. P120(#5) Let's start with you. P126(#6) P132(#7) What is the next person's relationship to you? P202(#8) CODE RELATIVES OF SPOUSE/PARTNER THE SAME AS R'S RELATIVES. P208(#9) P214(#10) 4. CHILD P220(#11) 5. GRANDCHILD P226(#12) 6. PARENT 7. GRANDPARENT 8. AUNT/UNCLE 9. COUSIN 10. NIECE/NEPHEW 11. SISTER/BROTHER 12. GREAT GRANDCHILD 29. OTHER RELATIVE 31. ROOMATE 32. FRIEND 34. BOARDER OR ROOMER/LODGER 35. PAID HELP 36. FOSTER CHILD 39. OTHER UNRELATED PERSON NOTE: position #2 contains only spouse/partner information; in all other cases the #2 position contains all zeroes. Q8A1-Q8A12 P8021(#1) CODE SEX WITHOUT ASKING. IF NECESSARY, SAY: P103(#2) I am required to ask your sex. P109(#3) P115(#4) What is your (spouse's/partner's/that person's) sex? P121(#5) P127(#6) 1. MALE P133(#7) 2. FEMALE P203(#8) P209(#9) P215(#10) P221(#11) P227(#12) What is your date of birth? Q10A1 P5907(#1) Code month Q11A1 P7003(#1) Code day of month Q12A1 P5908(#1) Code year (4 digits) Q15A1 P7005(#1) So, you are (COMPUTED AGE) years old? (ASKED ONLY OF DESIGNATED RESPONDENT) 1. YES 3. NO, FIX BIRTHDATE Q16A1-Q16A12 P8022(#1) How old (are you/is [your spouse/partner/he/she/that person])? P104(#2) CODE LESS THAN ONE YEAR AS 0. P110(#3) P116(#4) P122(#5) P128(#6) P134(#7) P204(#8) Code AGE P210(#9) -1. LESS THAN ONE YEAR P216(#10) P222(#11) P228(#12) ********************************************************* CRITICAL VARIABLE: If the age of the R is answered "don't know" or "refuse," the following text appears in CAPI: ATTENTION: Age is a critical detail for this interview. Without this information, it would be wasting your time to go on with the interview. I will terminate the interview at this point and I would like to thank you for your time. TERMINATE INTERVIEW GO BACK AND CHANGE DOB/AGE ********************************************************* Q19A3-Q19A12 P7006(#3) Is (he/she/that person) 18 or older? P7007(#4) P7008(#5) 1. YES P7009(#6) 5. NO P7010(#7) P7011(#8) P7012(#9) P7013(#10) P7014(#11) P7035(#12) Q20A1-Q20A12 P8023(#1) (Are you/Is your [RELATIONSHIP] currently married or P105(#2) living with a partner, separated, divorced, P111(#3) widowed, or (have you/has [he/she]) never been married? P117(#4) P123(#5) (NOTE: if R lives with a partner who is financially P129(#6) interdependent, this variable is always coded '2' for the P135(#7) head and partner.) P211(#9) P217(#10) 1. MARRIED P223(#11) 2. LIVING WITH PARTNER P229(#12) 3. SEPARATED 4. DIVORCED 5. WIDOWED 6. NEVER MARRIED Q22A1 P7000(#1) Does your (spouse/partner) live with you now? 1. YES 5. NO Q1625A1 P7021(#1) Does your (spouse/partner) usually live with you? 1. YES 5. NO Q23A1 P7002(#1) Do you live with a partner? 1. YES 5. NO Q21A2-Q21A12 P106(#2) Does (he/she) usually live with you? P112(#3) (FILLED IN FOR RESPONDENT) P118(#4) P124(#5) 1. YES P130(#6) 5. NO P136(#7) P206(#8) P212(#9) P218(#10) P224(#11) P230(#12) Q25A2-Q25A12 P107(#2) Do you and your (husband/wife/partner) have shared finances? P113(#3) P119(#4) (ASKED ONLY IF SPOUSE/PARTNER DOES NOT USUALLY LIVE P125(#5) THERE, OTHERWISE ASSUMED TO BE SHARED FINANCES.) P131(#6) P137(#7) Does your (RELATIONSHIP) depend on you (and your P207(#8) [husband/wife/partner]) for most of (his/her) P213(#9) support or is (he/she) financially independent for P219(#10) the most part? P225(#11) P231(#12) TREAT LIVE-IN SERVANTS AS FINANCIALLY INDEPENDENT. (THIS QUESTION IS KEY IN DEFINING THE PRIMARY ECONOMIC UNIT--SEE INTRODUCTION. A SPOUSE/PARTNER WHO LIVES THERE AT THE TIME OF THE INTERVIEW OR WHO USUALLY LIVES THERE IS ASSUMED TO BE FINANCIALL INTERRELATED WITH THE R. SIMILARLY, CHILDREN UNDER THE AGE OF 18 ARE ALSO ASSUMED TO BE FIANCIALLY DEPENDENT ON THE R, EVEN THOUGH IT IS POSSIBLE THAT SOME CHILDRENT OF PEOPLE OUTSIDE THE PEU MAY BE INCLUDED BY THIS RULE.) 1. FINANCIALLY DEPENDENT 5. FINANCIALLY INDEPENDENT 0. Inap. (No further persons) AT THE END OF ITERATION 2 (SPOUSE/PARTNER): IF S/P IS PART OF THE PEU, ASK: QHHL2 P0902 Were you and your (spouse/partner) living together as long ago as [2007 INTERVIEW MONTH+YEAR]? 1. YES 5. NO DK/REF: CRITICAL VARIABLE: TERMINATE INTERVIEW ELSE IF P0901/QHHL1 = 4 OR 5, FILL QHHL2/P0902 WITH "NO" ********************************************************* CRITICAL VARIABLE: If the married S/P as long ago as 2007 is answered "don't know" or "refuse," the following text appears in CAPI: ATTENTION: This is a critical detail for this interview. Without this information, it would be wasting your time to go on with the interview. I will terminate the interview at this point and I would like to thank you for your time. TERMINATE INTERVIEW GO BACK AND ANSWER QUESTION ********************************************************* As we go through the interview, I will be asking you about various kinds of financial matters--sometimes just for you, but usually for you and your family living here. By "your family living here" I mean only the following people... ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- SECTION A: EXPECTATIONS AND INFORMATION ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Q32 P301 I'd like to start this interview by asking you about your expectations for the future. Over the next five years, do you expect the U.S. economy as a whole to perform better, worse, or about the same as it has over the past five years? 1. Better 2. Worse 3. About the same QA1 P09101 Over the next year, do you expect the economy to perform better, worse, or about the same as now? 1. Better 2. Worse 3. About the same Q34 P7100 IN PERSON VERSION: (SHOW CARD 1) When making major decisions about borrowing money or obtaining credit, some people shop around for the very best terms while others don't. What number would (you/your family) be on the scale? TELEPHONE VERSION: When making major decisions about borrowing money or obtaining credit, some people shop around for the very best terms while others don't. On a scale from one to five, where one is almost no shopping, three is moderate shopping, and five is a great deal of shopping, where would (you/your family) be on the scale? IF R SAYS "I DON'T BORROW", SAY: What did you do the last time you borrowed? 1. ALMOST NO SHOPPING 2. 3. MODERATE SHOPPING 4. 5. A GREAT DEAL OF SHOPPING NOTE: CARD 1 contains the following information: The numbers 1 through 5 in a horizontal row bounded by dark lines. Below 1 is printed "Almost no shopping"; below 3 is printed "Moderate shopping"; and below 5 is printed "A great deal of shopping." Nothing is printed below 2 and 4. Q36M1-M14 P7101-P7110,P6849,P6861-P6863 IN PERSON VERSION: (SHOW CARD 2) Please look at this list. What sources of information do you (and your family) use to make decisions about borrowing or credit? (Do you call around, read newspapers, magazines, material you get in the mail, use information from television, radio, the internet or advertisements? Do you get advice from a friend, relative, lawyer, accountant, banker, broker, or financial planner? Or do you do something else?) TELEPHONE VERSION: I am going to read you a list. Please tell me which sources of information you (and your family) use to make decisions about borrowing or credit. Do you call around, read newspapers, magazines, material you get in the mail, use information from television, radio, the internet or advertisements? Do you get advice from a friend, relative, lawyer, accountant, banker, broker, or financial planner? Or do you do something else? CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN. 1. CALL AROUND 2. MAGAZINES/NEWSPAPERS 3. MATERIAL IN THE MAIL 4. TELEVISION/RADIO 5. INTERNET/ONLINE SERVICE 6. ADVERTISEMENTS 7. FRIEND/RELATIVE 8. LAWYER 9. ACCOUNTANT 10. BANKER 11. BROKER 12. FINANCIAL PLANNER 13. SELF (NOT SHOWN ON CARD) 14. NEVER BORROW -7. OTHER (SPECIFY) Q38 P7111 IN PERSON VERSION: (SHOW CARD 1) When making saving and investment decisions, some people shop around for the very best terms while others don't. What number would (you/your family) be on the scale? TELEPHONE VERSION: When making major saving and investment decisions, some people shop around for the very best terms while others don't. On a scale from one to five, where one is almost no shopping, three is moderate shopping, and five is a great deal of shopping, where would (you/your family) be on the scale? 1. ALMOST NO SHOPPING 2. 3. MODERATE SHOPPING 4. 5. A GREAT DEAL OF SHOPPING NOTE: See P7100 for a description of CARD 1. Q39M1-M14 P7112-P7121,P6865-P6868 IN PERSON VERSION: (SHOW CARD 2) Please look at this list. What sources of information do you (and your family) use to make decisions about saving and investments? (Do you call around, read newspapers, magazines, material you get in the mail, use information from television, radio, the Internet or advertisements? Do you get advice from a friend, relative, lawyer, accountant, banker, broker, or financial planner? Or do you do something else?) TELEPHONE VERSION: I am going to read you a list. Please tell me which sources of information do you (and your family) use to make decisions about saving and investments? Do you call around, read newspapers, magazines, material you get in the mail, use information from television, radio, the Internet or advertisements? Do you get advice from a friend, relative, lawyer, accountant, banker, broker, or financial planner? Or do you do something else? CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN. 1. CALL AROUND 2. MAGAZINES/NEWSPAPERS 3. MATERIAL IN THE MAIL 4. TELEVISION/RADIO 5. INTERNET/ONLINE SERVICE 6. ADVERTISEMENTS 7. FRIEND/RELATIVE 8. LAWYER 9. ACCOUNTANT 10. BANKER 11. BROKER 12. FINANCIAL PLANNER 13. SELF (NOT SHOWN ON CARD) 14. DO NOT SAVE/INVEST -7. OTHER (SPECIFY) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- SECTION B: CREDIT ATTITUDES AND CREDIT CARDS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Q60 P401 Now I would like to ask you some questions about how you feel about credit. In general, do you think it is a good idea or a bad idea for people to buy things on the installment plan? BY "INSTALLMENT PLAN" WE MEAN BUYING USING CREDIT OF SOME SORT. IF R SAYS THEY DO NOT NEED TO BORROW FOR ANYTHING, SAY: What do you think in general? 1. Good idea 3. GOOD IN SOME WAYS, BAD IN OTHERS 5. Bad idea QB1 P09201 [Have you and your (husband/wife/partner) applied for any type of credit or loan in the last two years?/ Have you applied for any type of credit or loan in the last two years?] INCLUDE PRE-APPROVED CREDIT THAT R ACCEPTED. 1. YES 5. NO --> SKIP TO P09203/QB3 QB2 P09202 [In the past two years, 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?/ In the past two years, has a particular lender or creditor turned down any request you made for credit, or not given you as much credit as you applied for?] 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 --> SKIP TO P09203/QB3 Q65 P408 [Were you later able to obtain the full amount you or your (husband/wife/partner) requested by reapplying to the same institution or by applying elsewhere?/ Were you later able to obtain the full amount you requested by reapplying to the same institution or by applying elsewhere?] 1. YES 3. Did Not Reapply 5. NO Q66 P7585 [On the most recent occasion, what reasons were you or your (husband/wife/partner) (given for being turned down for credit?/given for being unable to get as much credit as you applied for?)/ On the most recent occasion, what reasons were you given for (being turned down for credit?/being unable to get as much credit as you applied for?)] ______________________________________________________ Q67 P7584 What type of credit did you apply for? 1. Mortgage 2. Car loan 3. Other installment loan 4. Credit Card 19. Line of credit -7. Other QB3 P09203 [Was there any time in the past two years 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?/ Was there any time in the past two years that you 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 --> SKIP TO P410/Q76 Q70 P7583 [On the most recent occasion, why did you or your (husband/wife/partner) think you might be turned down?/ On the most recent occasion, why did you think you might be turned down?] __________________________________________________ Q76 P410 Now I have some questions about credit cards and charge cards. (Do you have any credit cards or charge cards?/ Do you or anyone in your family living here have any credit cards or charge cards?) IF YES: Please do not include debit cards. DO NOT INCLUDE CARDS USED ENTIRELY FOR BUSINESS. 1. YES 5. NO --> SKIP TO P7577/Q91 QB4 P09204 How many different credit card and charge card accounts do you (or anyone in your family living here) have? Please do not count duplicate cards for the same account or any business or company accounts. INCLUDE ALL THE FAMILY'S CARDS, NOT JUST THE CARDS USED MOST OFTEN. DO NOT INCLUDE GIFT CARDS. Code number QB5 P09205 (On your last bills, how much were the new charges made to these accounts?/ On your last bill, how much were the new charges made to this account?) IF R DID NOT RECEIVE A BILL LAST MONTH, CODE ZERO. Code amount -1. None QB6 P09206 (After the last payments were made, what was the total balance still owed on all these accounts?/ After the last payment was made, what was the balance still owed on this account?) WE WANT THE TOTAL AMOUNT OWED, NOT THE MINIMUM PAYMENT. CODE ZERO IF ALL ACCOUNTS WERE PAID IN FULL. Code amount -1. None QB7 P09207 (What is the maximum amount you could borrow on all of these accounts; that is, what is your total credit limit?/ What is the maximum amount you could borrow on this account; that is, what is your total credit limit?) WE WANT THE TOTAL CREDIT LIMIT, NOT JUST THE AMOUNT OF REMAINING CREDIT AVAILABLE. IF R SAYS "UNLIMITED," PRESS [F6]. Code amount -1. No limit Q90 P432 (Do/Thinking about all your cards, do) you almost always, sometimes, or hardly ever pay off the total balance owed on the account(s) each month? 1. Always or almost always 3. Sometimes 5. Hardly ever 7. NO SUCH CARDS Q91 P7577 (Other than the store accounts where you have credit cards, do you have any charge or revolving charge accounts at stores where you owed money after your last payment?/ Other than the store accounts where you have credit cards, do you or your family living here have any charge or revolving charge accounts at stores where you owed money after your last payment?/ Do you have any charge or revolving charge accounts at stores where you owed money after your last payment?/ Do you or your family living here have any charge or revolving charge accounts at stores where you owed money after your last payment?) DO NOT INCLUDE ACCOUNTS WHERE R DOES NOT OWE MONEY. 1. YES 5. NO --> SKIP TO P09301/QD1 Q93 P7575 (After the last payments were made on these accounts, what was the balance still owed on all these accounts?/ After the last payment was made on this account, what was the balance still owed on this account?) WE WANT THE TOTAL AMOUNT OWED, NOT THE MINIMUM PAYMENT. Code amount ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- PRINCIPAL RESIDENCE ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- PROGRAMMER INSTRUCTION: PRE-FILL DATA FROM 2007 SCF FARMERS FOR WHOM Q107=(OWNS ALL,RENTS/LEASES ALL,NEITHER OWNS NOR RENTS) MOBILE HOME RESIDENTS FOR WHOM Q134=(OWN BOTH HOME AND SITE, RENT BOTH, NEITHER OWN NOR RENT) OTHER FAMILIES FOR WHOM Q184=(OWNS OR IS BUYING/LANDCONTRACT, PAYS RENT, CONDO, CO-OP, TOWNHOUSE ASSOCIATION, NEITHER OWNS NOR RENTS) QD1 P09301 When we last interviewed your household, your residence was a (farm or ranch /mobile home /condominium /coop /townhouse /home ) (that you acquired [in YEAR /in <2007 INTERVIEW YEAR> or earlier ]. Do you still own that residence? / a rental property you moved into [in YEAR /in <2007 INTERVIEW YEAR> or earlier ]. Do you still rent that residence? / a home you neither owned nor rented (that you moved into [in YEAR / in <2007 INTERVIEW YEAR> or earlier ]. Do you still have that home? ) a farm or ranch owned by a business (that you moved into [in YEAR / in <2007 INTERVIEW YEAR> or earlier ]. Do you still live on that property? ) 1. YES 5. NO --> SKIP TO P09309/QD6 ********************************************************* CRITICAL VARIABLE: If previous residence is answered "don't know" or "refuse," the following text appears in CAPI: ATTENTION: Homeownership is a critical detail in family finances. Without this information, it would be wasting your time to go on with the interview. I will terminate the interview at this point and I would like to thank you for your time. TERMINATE INTERVIEW GO BACK AND CHANGE OWNERSHIP ********************************************************* QD2 P09304 CHECKPOINT: OWN/RENT 1. OWN 2. RENT OR FARM OWNED BY A BUSINESS--> SKIP TO P09307/QD5 3. OTHER --> IF P09301/QD1=1 SKIP TO P09306/QD4 (CAPI ERROR - SKIPS TO P7136/Q773) ELSE SKIP TO P7136/Q773 OWNERS QD3 P09305 What is the current value of that property? I mean, without taking any outstanding loans into account, about what would it bring if it were sold now? IF X7135/Q206(in 2007)=YES (OWN ENTIRE BUILDING AND OWN UNIT SEPARATELY) SAY: Please tell me the value of just your unit. INTERVIEWER: IF R AND FAMILY THERE OWN ONLY PART OF THE PROPERTY, THE AMOUNT SHOULD REFER TO THE PART THEY OWN; FOR FARMS/RANCHES, INCLUDE ALL OWNED LAND AND STRUCTURES. CODE AMOUNT QD4 P09306 Is that property the same as your current main residence? 1. YES --> SKIP TO P7572/Q187 (fees) IF P09304/QD2=1 (own) ELSE IF P09304/QD2=3 (not own, not rent or farm owned by a business) SKIP TO P7136/Q773 5. NO --> SKIP TO P7572/Q187 RENTERS QD5 P09307 How much rent do you (and your family living here) pay? CODE AMOUNT QD5a (And that amount is per...?) P09308 Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 11. Twice per year 31. Twice a month -7. Other (SPECIFY) SKIP TO P7136/Q773 (likelihood of staying at address--after P1044/Q295) QD6 P09309 Did you move to a different city? TREAT CITIES IN THE SAME METROPOLITAN AREA OR LOCATIONS IN THE SAME COUNTY AS THE SAME CITY. 1. YES 5. NO QD7M1-M8 P09310-P09317 Why did you move from that home? (CODE ALL THAT APPLY) 1. HOME FORECLOSED 2. RENT/COSTS TOO HIGH 3. NEEDED MORE/DIFFERENT SPACE 4. RETIRED 5. CHANGED JOBS 6. SHORTEN COMMUTE 7. HEALTH REASONS 8. TO BE NEAR OTHER RELATIVES -7. OTHER (SPECIFY) CHECKPOINT: RENTER OR OTHER (FARM OWNED BY A BUSINESS/NEITHER OWNS NOR RENTS) IN 2007 --> SKIP TO P501/Q95 OWNER IN 2007 AND FORECLOSED --> SKIP TO P09320/QD9 ELSE CONTINUE QD8 P09319A IF OWNER IN 2007, AND P09310-P09318/QD7M1-M9 NOT FORECLOSED, ASK: What was the selling price for your home? 1. CODE AMOUNT --> SKIP TO P501/Q95 -2. DID NOT SELL THE HOME --> SKIP TO P501/Q95 QD8A CODE AMOUNT P09319 QD9 P09320 IF P09310-P09318/QD7M1-M9=HOME FORECLOSED, ASK: What year was that? CODE YEAR QD10 P09321 IF P09310-P09318/QD7M1-M9=HOME FORECLOSED AND OWNER IN 2007 (QD2=OWN), ASK: Did you attempt to contact the lender to work out an arrangement to avoid foreclosure? 1. YES 5. NO Q95 P501 IN PERSON VERSION: INTERVIEWER OBSERVATION: WHERE DOES R LIVE? IF INTERVIEW NOT DONE AT R'S HOME, ASK: Do you live on a farm or ranch, in a mobile home, in a house or apartment, or in some other type of home? WHERE DOES R LIVE? 4. R LIVES ON A RANCH --> GO TO P502/Q97 5. R LIVES ON A FARM --> GO TO P502/Q97 2. R LIVES IN A MOBILE HOME/RV --> SKIP TO P601/Q134 3. R LIVES IN HOUSE/TOWNHOUSE/APARTMENT --> SKIP TO P701/Q184 IF R LIVES IN ANY STRUCTURE ON A FARM/RANCH, CODE FARM OR RANCH ----------------------------------------------------------------------------- R LIVES ON A FARM ----------------------------------------------------------------------------- Q97 P502 Now I have some questions about this property. About how many acres is this (farm/ranch), including any acres that you rent or rent out to others? INCLUDE ALL ACREAGE IN NON-CONTIGUOUS PIECES OF LAND THAT ARE USED AS A PART OF THE FARM/RANCH OPERATION. Code acres Q98 P503 (Do you operate a farming or ranching business on this property?/ Do you or anyone in your family living here operate a farming or ranching business on this property?) (IF R CLAIMS THE FARM ON HIS INCOME TAX, THEN THE FARM IS A BUSINESS FOR OUR PURPOSES.) 1. YES 5. NO --> SKIP TO P701/Q184 Q104 P507A What part of this property is used for (farm/ranch)ing? 1. ENTER PERCENTAGE 2. ENTER ACREAGE -1. Very little 9995. Almost all Q105 P507 Code percent * 100 Q106 P7574 Code number of acres Q107 P508 What is the legal ownership status of this (farm/ranch)? [Do you own this (farm/ranch), do you own part of it, do you rent it, is it all owned by a business, or another arrangement?/ 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 another arrangement?] IF THE PROPERTY IS OWNED THROUGH A TRUST THE PEU SET UP, TREAT IT AS OWNED BY THEM. DO NOT CODE "OTHER" IF R OWNS ANY PART. 1. Owns all --> GO TO P513/Q114 2. Owns only part --> SKIP TO P520/Q124 3. Rents/Leases all --> SKIP TO P708/Q196 4. Owned by a business --> SKIP TO P514/Q116 -7. Other (SPECIFY) --> SKIP TO P515/Q117 R OWNS ALL Q114 P513 Could you tell me the current value of all the land and buildings - that is, what would it bring if it were sold today? Do not include any farm animals, implements or crops. Code amount SKIP TO P719/Q210 OWNED BY A BUSINESS Q116 P514 (Do you pay the business any rent for this property?/ Do you or your family living here pay the business any rent for this property?) 1. YES --> SKIP TO P708/Q196 5. NO Q117 P515 In what month and year did you move into this (farm/ranch)? Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December Q118 P516 Code year (4 digits) SKIP TO P7136/Q773 (likelihood of staying at address--after P1044/Q295) R OWNS PART Q124 P520 (Do you pay any rent for this property?/ Do you or anyone in your family living here pay any rent for this property?) 1. YES 5. NO --> SKIP TO P523/Q130 Q125 P521 (How much rent do you pay?/ How much rent do you or your family living here pay?) Code amount Q127 P522 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 11. Twice per year 31. Twice a month -7. Other (SPECIFY) Q129 (I will ask you more about the business operation later. P523A Now I'd like to ask about the part of the property that you personally own. About what percent of the total property is that?/ I will ask you more about the business operation later. Now I'd like to ask about the part of the property that you and your family living here personally own. About what percent of the total property is that?) 1. ENTER PERCENTAGE 2. ENTER ACREAGE Q130 P523 Code percent * 100 Q131 P7573 Code acres Q132 P526 Could you tell me the current value of the entire part of the land and buildings you own? I mean, what would it bring if it were sold today? Do not include any farm animals, implements or crops. INCLUDE BOTH ACREAGE OWNED INDIVIDUALLY AND ACREAGE CO-OWNED WITH OTHERS OUTSIDE THE PEU. Code amount SKIP TO P719/Q210 ----------------------------------------------------------------------------- R LIVES IN MOBILE HOME ----------------------------------------------------------------------------- Q134 P601 (Now I have some questions about your home. Do you own both this mobile home and site or lot, do you own only the mobile home, do you own only the site, do you rent both the home and site, or another arrangement?/ 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 another arrangement?) IF THE PROPERTY IS OWNED THROUGH A TRUST THE PEU SET UP, TREAT IT AS OWNED BY THEM. 1. Own both home and site --> GO TO P623/Q166 2. Own only site --> GO TO P602/Q135 3. Own only home --> GO TO P612/Q149 4. Rent both --> GO TO P619/Q160 -7. Neither own nor rent --> GO TO P609/Q146 RENTS HOME, OWNS SITE Q135 P602 How much rent do you pay on this home? DO NOT INCLUDE ANY SHARE OF THE RENT PAID BY THE NPEU. Code amount -1. None Q137 P603 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 11. Twice per year 31. Twice a month -7. Other (SPECIFY) Q139 P604 Could you tell me the current value of the site? I mean, about what would it bring if it were sold today? Code amount In what month and year did you purchase the site? (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) Q142 P605 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December Q143 P606 Code year (4 digits) Q144 P607 How much did this site cost when you originally acquired it? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) Code amount SKIP TO P721/Q214 NEITHER OWNS NOR RENTS MH Q146 P609 How is that? ______________________________________________ In what month and year did you move into this mobile home? Q147 P610 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December Q148 P611 Code year (4 digits) SKIP TO P7136/Q773 (likelihood of staying at address--after P1044/Q295) OWNS HOME, RENTS SITE Q149 P612 How much rent do you pay on this site? DO NOT INCLUDE ANY SHARE OF THE RENT PAID BY THE NPEU. Code amount -1. None Q151 P613 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 11. Twice per year 31. Twice a month -7. Other Q153 P614 Could you tell me the current value of this mobile home? I mean, about what would it bring if it were sold today? Code amount In what month and year did you purchase this mobile home? (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) Q156 P615 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December Q157 P616 Code year (4 digits) Q158 P617 How much did this mobile home cost when you originally acquired it? INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED. Code amount SKIP TO P721/Q214 RENTS HOME AND SITE Q160 P619 How much rent do you pay on this home and site? DO NOT INCLUDE ANY SHARE OF THE RENT PAID BY THE NPEU. Code amount -1. None Q162 P620 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 11. Twice per year 31. Twice a month -7. Other (SPECIFY) In what month and year did you move into this mobile home? Q164 P621 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December Q165 P622 Code year (4 digits) SKIP TO P7136/Q773 (likelihood of staying at address--after P1044/Q295) OWNS HOME AND SITE Q166 P623 Could you tell me the current value of this home and site? I mean, about what would they bring if they were sold today? Code amount Q168 P624 Were the site and mobile home purchased separately? 1. YES 5. NO --> SKIP TO P633/Q180 In what month and year did you purchase this mobile home? (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) Q170 P625 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December Q171 P626 Code year (4 digits) Q172 P627 How much did the mobile home cost when you originally acquired it? INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED. Code amount In what month and year did you purchase this site? (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) Q175 P629 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December Q176 P630 Code year (4 digits) Q177 P631 How much did this site cost when you originally acquired it? INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED. Code amount SKIP TO P721/Q214 In what month and year did you purchase this mobile home and site? (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) Q180 P633 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December Q181 P634 Code year (4 digits) Q182 P635 How much did the mobile home and site cost when you originally acquired it? INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED. Code amount SKIP TO P721/Q214 ----------------------------------------------------------------------------- R LIVES IN HU OTHER THAN FARM/RANCH OR MOBILE HOME ----------------------------------------------------------------------------- Q184 P701 Now I have some questions about your home. Do you (and your family living here) own this (farm/ranch/house and lot/apartment), do you pay rent, do you own it as a part of a condo, co-op, townhouse association, or something else? IF THE PROPERTY IS OWNED THROUGH A TRUST THE PEU SET UP, TREAT IT AS OWNED BY THEM. 1. Owns or is buying/land contract --> GO TO P7572/Q187 2. Pays rent --> GO TO P708/Q196 3. Condo --> GO TO P7572/Q187 4. Co-op --> GO TO P7572/Q187 5. Townhouse Association --> GO TO P7572/Q187 6. Retirement Lifetime Tenancy --> GO TO P7572/Q187 8. OWN ONLY PART --> SKIP TO P7134/Q186 -7. Neither owns nor rents --> SKIP TO P705/Q193 ********************************************************* CRITICAL VARIABLE: If the home ownership is answered "don't know" or "refuse," the following text appears in CAPI: ATTENTION: Homeownership is a critical detail in family finances. Without this information, it would be wasting your time to go on with the interview. I will terminate the interview at this point and I would like to thank you for your time. TERMINATE INTERVIEW GO BACK AND CHANGE OWNERSHIP ********************************************************* NEITHER OWNS NOR RENTS Q193 P705 How is your housing provided? ________________________________________________ Q185 P7133 (Do you/Does anyone in your family living here) own any part of this (farm/ranch/house and lot/apartment)? 1. YES 5. NO --> SKIP TO P706/Q194 Q186 P7134 IN THE FOLLOWING QUESTIONS ABOUT VALUE AND LOANS, INCLUDE ONLY R'S SHARE; IF R KNOWS ONLY TOTALS FOR THE WHOLE PROPERTY, MAKE NOTES WHERE APPLICABLE. What percent of the property do you (and your family living here) own? Code percent * 100 SKIP TO P7572/Q187 In what month and year did you move into this home? Q194 P706 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December Q195 P707 Code year (4 digits) SKIP TO P7136/Q773 (likelihood of staying at address--after P1044/Q295) RENTS HOME (INCLUDES FARM WITH NO FARM BUSINESS/RENTED FARM) Q196 P708 How much rent do you (and your family living here) pay for this (farm/ranch/house/apartment)? IF RENT IS SUBSIDIZED, PROBE FOR DETAILS AND MAKE NOTE. IF R SHARES RENT WITH ROOMMATES NOT IN THE PEU, INCLUDE ONLY R'S (FAMILY'S) SHARE OF THE RENT. INCLUDE ANY FEES FOR PARKING WITH RENT. DO NOT INCLUDE ANY SHARE OF THE RENT PAID BY THE NPEU. Code amount Q198 P709 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 11. Twice per year 31. Twice a month -7. Other (SPECIFY) Q200 P710 Does the rent include some or all utilities? 1. Yes, all 3. Yes, some 5. No Q201 P711 Do you rent it furnished or unfurnished? 1. Furnished 3. Partially furnished 5. Unfurnished In what month and year did you move into this (farm/ranch house/apartment)? Q202 P712 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December Q203 P713 Code year (4 digits) SKIP TO P7136/Q773 (likelihood of staying at address--after P1044/Q295) R OWNS SOME PART (INCLUDES FARM WITH NO FARM BUSINESS) Q187 P7572 Are you required to pay regular fees to an association or property management group for that property? 1. YES 5. NO --> IF P701/Q184=6 SKIP TO P716/Q207 ELSE IF P09304/QD2=OWN AND P09301/QD1=YES, SKIP TO P721/Q214 ELSE SKIP TO P702/Q192 Q188 P703 IF P701/Q184=4 THEN INCLUDE THE FOLLOWING TEXT FILL: How much are your fees? Please do not include any property taxes included with your payment--I will ask about the taxes in a moment. INTERVIEWER: IF R CANNOT SEPARATE PROPERTY TAXES FROM THE REMAINDER OF THE CO-OP FEE, MAKE A NOTE. ELSE ASK: How much are your fees? IF P09304/QD2=OWN AND P09301/QD1=YES, SKIP TO P721/Q214 Code amount Q190 P704 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 11. Twice per year 31. Twice a month -7. Other (SPECIFY) IF P701/Q184=6 SKIP TO P716/Q207 Q192 P702 INTERVIEWER: DOES R LIVE IN MULTIPLE HU STRUCTURE? (CONFIRM WITH R IF NECESSARY.) 1. YES 5. NO --> SKIP TO P716/Q207 Q204 P714 Do you own the entire building or just your unit? Do you and your family living here own the entire building or just your unit? IF R OWNS MULTIPLE UNITS, BUT NOT THE WHOLE BUILDING, CODE 'JUST R'S UNIT' AND INCLUDE ADDITIONAL UNIT LATER AS OTHER REAL ESTATE. 1. Entire building 2. Just R's unit --> SKIP TO P716/Q207 Q205 P715 How many housing units are in this building? Code number of units Q206 P7135 Do you own your unit separately from the rest of the building? 1. YES 5. NO Q207 P716 IF P714/Q204=2 OR P7135/Q206=1 THEN ASK: The following questions about your home refer to your unit only. What is the current value of this (home and land/apartment/property)? I mean, without taking any outstanding loans into account, about what would it bring if it were sold today? IF P7135/Q206=5 THEN ASK: The following questions refer to the entire building. What is the current value of this (home and land/apartment/property)? I mean, without taking any outstanding loans into account, about what would it bring if it were sold today? ELSE IF P701/Q184^=6 ASK: What is the current value of this (home and land/apartment/property)? I mean, without taking any outstanding loans into account, about what would it bring if it were sold today? INTERVIEWER: PROPERTY REFERS TO WHATEVER PART R OWNS OF THEIR HOUSE AND LOT, APARTMENT, BUILDING, FARM OR RANCH. INCLUDE THE PART OF THE PROPERTY THAT R OWNS; FOR FARMS/RANCHES, INCLUDE ALL OWNED LAND AND STRUCTURES. ELSE ASK: How much would you get if you gave up your rights to remain there? IF THE ONLY VALUE IS AN AMOUNT TO BE RETURNED TO R'S HEIRS AT THE TIME OF DEATH, RECORD THAT VALUE. IF THERE IS NO VALUE UNDER ANY CIRCUMSTANCES, RECORD ZERO DOLLARS. Code amount In what month and year did you first purchase any part of this property? (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) IF THE PROPERTY WAS ACQUIRED/INHERITED/BUILT AT DIFFERENT TIMES, RECORD THE EARLIEST DATE. Q210 P719 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December Q211 P720 Code year (4 digits) ALL OWNERS EXCEPT MH Q212 P717 How much did it cost when you originally acquired it? IF PROPERTY WAS PURCHASED SEPARATELY, WE WANT THE TOTAL COST OF LAND AND HOUSE. INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED. Code amount ALL TYPES OF OWNERS Q214 P721 What are the real estate taxes on this (home and land/ land/home/farm/ranch/part of the farm you own/part of the ranch you own/property)? Code amount Q216 P722 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 11. Twice per year 31. Twice a month -7. Other (SPECIFY) Q218 P723 Is there a mortgage or land contract on this (home/home and land/apartment/property) or another type of loan that uses this property as collateral? IF YES, SAY: Please do not include home equity lines of credit. INTERVIEWER: IF R SAYS BOTH MORTGAGE AND LAND CONTRACT, CHOOSE MORTGAGE. IF R SAYS REVERSE ANNUITY MORTGAGE, CODE MORTGAGE AND MAKE A NOTE [F2]. 1. Yes, mortgage --> GO TO P724/Q219 2. Yes, land contract --> GO TO P801/Q225A1 5. No IF FIRST ITERATION OF MORTGAGE LOOP COMPLETED, ASK: Q272A1 P830 Do you have another mortgage, land contract or any loan that uses this property as collateral? IF YES, SAY: Please do not include home equity lines of credit. INTERVIEWER: A HOME EQUITY LINE OF CREDIT IS AN AGREEMENT WHERE THE R CAN BORROW AT ANY TIME USING THE HOUSE AS COLLATERAL, UP TO SOME LIMIT. A HOME EUITY LOAN IS A FIXED LENGTH, FIXED MONTHLY PAYMENT LOAN. 1. Yes, second mortgage --> SKIP TO P901/Q225A2 2. Yes, land contract --> SKIP TO P901/Q225A2 3. Yes, other loan using property as collateral 5. No --> SKIP TO P1032/Q274 Q219 P724(#1) Is the first or main mortgage an FHA, VA or other federally guaranteed mortgage? FANNIE MAE AND FREDDIE MAC SHOULD NOT BE INCLUDED AS FEDERALLY GUARANTEED. 1. YES 5. NO --> SKIP TO P801/Q225A1 Q221 P726(#1) Is it an FHA mortgage, a VA mortgage, or is it from some other program? 1. FHA 2. VA -7. Other (SPECIFY) Q223 P727(#1) Why did you choose this type of loan? ________________________________________ About this (mortgage/land contract/loan), in what month and year did you obtain or most recently modify or refinance it? DO NOT TREAT CHANGES DUE TO RESETTING OF AN INTEREST RATE OR OTHER TERMS AS PRESPECIFIED IN THE ORIGINAL LOAN AGREEMENT AS MODIFICATION OR REFINANCING. IF R ASSUMED/REFINANCED/MODIFIED THE LOAN, RECORD THE DATE ASSUMED/REFINANCED/MODIFIED. Q225A1/Q225A2 P801(#1) Code month P901(#2) 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December Q226A1/Q226A2 P802(#1) Code year (4 digits) P902(#2) QD11A1 P09322(#1) CHECKPOINT: PROPERTY PURCHASE DATE AND MORTGAGE DATE 1. PROPERTY WAS PRINCIPAL RESIDENCE IN 2007 (P09301/QD1=YES) MORTGAGE YEAR<=2007 (P802/Q226A1<=2007) --> SKIP TO P09335/QD19 2. PROPERTY WAS NOT PRINCIPAL RESIDENCE IN 2007 (P09301/QD1=NO) AND MORTGAGE YEAR SAME AS PURCHASE YEAR (P802/Q226A1=P720/Q211 OR P606/Q143 OR P616/Q157 OR P626/Q171 ORP630/Q176 OR Q181/P634 --> SKIP TO P09335/QD19 3. ALL OTHER WITH A MORTGAGE (P723/Q218=YES) --> CONTINUE 4. ALL OTHER WITHOUT A MORTGAGE (P723/Q218=NO) --> SKIP TO P1032/Q274 QD12A1 P09323(#1) Did you take out this mortgage to: refinance or rollover an earlier loan, modify an earlier loan, borrow additional money on your home equity, or something else? IF R SAYS "REFINANCED AND BORROWED ADDIONTAL MONEY," CODE "BORROWED ADDITIONAL MONEY." 1. Refinance or rollover an earlier loan 2. Borrow additional money on your home equity 5. Modified the loan 6. ORIGINALLY PAID CASH AND TOOK OUT LOAN LATER -> SKIP TO P09325A/QD14A1 QD13A1 P09324(#1) What was the most important factor in your decision to (refinance your loan/to borrow additional money/have your loan modified)? 1. LOWER THE MONTHLY PAYMENT 2. AVOID A SCHEDULED INCREASE IN MONTHLY PAYMENT 6. WANTED TO BORROW MORE AGAINST THE HOME -7. OTHER (SPECIFY) QD14A1M1-M5 P09325A P09356A-P09359A(#1) What sources of information did you use in deciding to [(refinance your loan/borrow more on this loan/seek a modification of your loan]? CODE ALL THAT APPLY 1. INFORMATION FROM THE LENDER 2. INFORMATION FROM A COMMUNITY OR NONPROFIT GROUP 3. WEBSITES 4. FEDERAL RESERVE -7. OTHER (SPECIFY) QD15A1 P09326(#1) Did you contact the lender, did the lender contact you, did you seek help from a homeowner assistance program, or did you do something else to begin the (modification/negotiation/refinancing)? 1. CONTACTED THE LENDER 2. CONTACTED BY THE LENDER 3. CONTACTED A HOMEOWNER ASSISTANCE PROGRAM -7. OTHER (SPECIFY) IF P09323/QD12=1 (REFINANCED), SKIP TO P804/Q230A1 ELSE IF P09323/QD12=2 (BORROWED MORE), SKIP TO P09338/QD22 ELSE ASK: QD16A1 P09327(#1) Were you behind in your payments at the time (the lender contacted you/you contacted the [lender/homeowner assistance program])? 1. YES 5. NO QD17A1M1-M6 P09328-P09333 (#1) What terms of your loan were modified? CODE ALL THAT APPLY 1. OUTSTANDING BALANCE REDUCED 2. OVERDUE AMOUNT ADDED TO OUTSTANDING BALANCE 3. INTEREST RATE 4. LENGTH OF THE LOAN 5. PAYMENTS -7. OTHER (SPECIFY) QD18A1 P09334(#1) What was the name of the modification program? ________________________________ SKIP TO P804/Q230A1 QD19A1 P09335(#1) IF P802/Q226A1 (MORTGAGE YEAR) 2007 OR EARLIER, ASK: In the past two years, did you consider refinancing your mortgage or seeking a modification with the lender? 1. YES 5. NO --> SKIP TO P804/Q230A1 QD20A1 P09336(#1) Did you apply for one? 1. YES 5. NO --> SKIP TO P804/Q230A1 QD21A1 P09337(#1) What reason were you given for being turned down? _________________________________ SKIP TO P804/Q230A1 QD22A1 P09338(#1) How much additional money did you borrow? INTERVIEWER: WE WANT THE AMOUNT THAT R BORROWED NET OF CLOSING COSTS AND THE AMOUNT REFINANCED. Code amount QD23A1 P09339(#1) For what purpose was the money used? _____________________________________________ Q230A1/Q230A2 P804(#1) (What was the amount of the land contract when you took it out?/ P904(#2) Including both the amount refinanced and the additional borrowing, how much did you borrow?/ How much did you refinance or rollover?/ After the modification, how much did you owe?/ How much did you borrow?) IF R HAS REVERSE ANNUITY MORTGAGE, THE AMOUNT BORROWED IS THE TOTAL AMOUNT RECEIVED TO DATE. Code amount Q232A1/Q232A2 P805(#1) (How much is still owed on this loan?/What is the amount P905(#2) still owed on the land contract?) Code amount Q234A1/Q234A2 IF P09323/QD12=1 OR 2 THEN ASK: How many years or payments did you agree upon when the (land contract/loan) was last refinanced? ELSE IF P09323/QD12=3 THEN ASK: How many years or payments did you agree upon when the (land contract/loan) was modified? ELSE IF P09323/QD12=DK/REF THEN ASK: How many years or payments did you agree upon when the (land contract/loan) was taken out or last refinanced? ELSE ASK: How many years or payments did you agree upon when the (land contract/loan) was taken out? IF R SAYS MORTGAGE IS A REVERSE ANNUITY MORTGAGE, MAKE A NOTE. WE WANT THE NUMBER OF YEARS PAYMENTS ARE TO BE MADE ON THE LOAN, NOT THE AMORTIZATION PERIOD. P806A(#1) 1. ENTER NUMBER OF YEARS P906A(#2) 2. ENTER NUMBER OF PAYMENTS -1. NO SET NUMBER OF YEARS OR PAYMENTS Q235A1/Q235A2 P806(#1) NUMBER OF YEARS P906(#2) Code number of years --> SKIP TO P808/Q237A1 (P908/Q237A2 FOR A2 ITERATION) -1. NO SET NUMBER OF YEARS --> SKIP TO P813/Q241A1 (P913/Q241A2) Q236A1/Q236A2 P807(#1) NUMBER OF PAYMENTS P907(#2) Code number of payments --> SKIP TO P808/Q237A1 (P908/Q237A2) -1. NO SET NUMBER OF PAYMENTS --> SKIP TO P813/Q241A1 (P913/Q241A2) Q237A1/Q237A2 P808(#1) How much are the payments? P908(#2) EXCLUDE TAXES AND INSURANCE, IF POSSIBLE. Code amount -1. None --> SKIP TO P813/Q241A1 (P913/Q241A2) -2. NO REGULAR PAYMENTS --> SKIP TO P813/Q241A1 (P913/Q241A2) Q239A1/Q239A2 P809(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. P909(#2) (And that amount is per...?) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 11. Twice per year 31. Twice a month -7. Other (SPECIFY) SKIP TO P810/Q245A1 (P911/Q246A2 FOR A2 ITERATION) Q241A1/Q241A2 P813(#1) What is the typical payment? P913(#2) EXCLUDE TAXES AND INSURANCE, IF POSSIBLE. Code amount -1. None --> SKIP TO P815/Q250A1 (P915/Q250A2) -2. NO TYPICAL PAYMENTS --> SKIP TO P815/Q250A1 (P915/Q250A2) Q243A1/Q243A2 P814(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. P914(#2) (And that amount is per...?) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 31. Twice a month -7. Other (SPECIFY) Q245A1 P810(#1) Does this amount include real estate taxes or homeowners' insurance? (Which?) 1. Taxes only 2. Insurance only 3. Both 4. Neither Q246A1/Q246A2 P811(#1) Will the (regular) payments repay the loan completely, or P911(#2) will there be a balance payable, or "balloon" payment, when the loan is due? IF R IS REQUIRED TO REFINANCE THE LOAN AFTER A FIXED PERIOD, CHOOSE "BALANCE PAYABLE OR BALLOON" AND MAKE A NOTE. 1. Repay completely --> IF P806/Q235A1 (P906/Q235A2 ON A2 ITERATION)="NO SET NUMBER": SKIP TO P815/Q250A1 (P915/Q250A2) ELSE SKIP TO P7571/Q249A1 (P7570/Q249A2) 2. Balance payable or Balloon Q247A1/Q247A2 P812(#1) What will the balance due or balloon payment be? P912(#2) Code amount Q249A1/Q249A2 P7571(#1) Are you paying off this (land contract/loan) ahead of P7570(#2) schedule, behind schedule, or are the payments about on schedule? 1. ON SCHEDULE --> SKIP TO P816/Q251A1 (P916/Q251A2) 2. AHEAD OF SCHEDULE 3. BEHIND SCHEDULE Q250A1/Q250A2 P815(#1) When do you expect this (land contract/loan) to be repaid? P915(#2) Code year (4 digits) -1. Reverse annuity loan -2. Does not expect to repay loan; expecting foreclosure Q251A1/Q251A2 P816(#1) What is the current annual rate of interest being charged P916(#2) on the loan? What is the current annual rate of interest on the land contract? Code percent * 100 -1. No interest Q260A1/Q260A2 P820(#1) Is this an adjustable rate (land contract/mortgage/loan); that P920(#2) is, does it have an interest rate that can rise or fall at any time over the life of the loan? INCLUDE LOANS WHERE THE RATE CAN CHANGE ONLY ONCE, EVEN IF THE CHANGE HAS ALREADY OCCURRED. DO NOT INCLUDE RATE CHANGES DUE ONLY TO REFINANCING. 1. YES 5. NO --> SKIP TO P7061/Q5877A1 Q261A1 P821(#1) Does the change in your interest rate depend on some other interest rate? 1. YES 5. NO Q262A1 P7053(#1) Has the interest rate on your current (land contract/mortgage/loan) changed since you took it out? DO NOT INCLUDE RATE CHANGES DUE ONLY TO REFINANCING. 1. YES 5. NO --> SKIP TO P7055/Q5879A1 Q269A1 P7054(#1) What was the interest rate on this (land contract/mortgage/loan) when you took it out? IF R HAS REFINANCED, WE WANT TO KNOW THE INITIAL RATE ON THE CURRENT LOAN, NOT THE RATE ON THE ORIGINAL LOAN. Code percent * 100 -1. No interest SKIP TO P7056/Q263A1 Q5879A1 P7055(#1) In what year can the rate first change or could it have changed already? PRESS [F6] KEY IF RATE COULD HAVE CHANGED ALREADY BUT R DOES NOT REMEMBER THE YEAR IT COULD HAVE CHANGED. Code year (4 digits) -2. Could have changed already, but has not yet Q263A1 P7056(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. After the first change, how often can your interest rate change? How often can your interest rate change? IF RATE CANNOT CHANGE AGAIN, CODE ZERO PLUS "IN TOTAL". CODE FREQUENCY WITHOUT ASKING IF ALREADY MENTIONED. NUMBER OF TIMES Code number of times -1. 0 times (cannot change again) Q264A1 P7057(#1) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 8. In total 13. Every three years 15. Continuously floating rate/whenever rate changes 16. Every 7 years 31. Twice a month -7. Other (SPECIFY) Q268A1 P7058(#1) What is the most the rate can rise at any one time? WE WANT THE MOST THE RATE CAN RISE IN PERCENTAGE POINTS. A BASIS POINT IS 1/100TH OF A PERCENTAGE POINT, SO ONE BASIS POINT IS 0.01%. IF R SAYS "POINTS," CLARIFY: Basis points or percentage points? Code percent * 100 -2. No limit --> SKIP TO P825/Q267A1 Q270A1 P7059(#1) What was the highest level the rate could have gone up to? WE WANT THE HIGHEST LEVEL THE RATE COULD HAVE REACHED, NOT THE MAXIMUM ADDITIONAL AMOUNT THE RATE COULD RISE. What is the highest level the rate can go up to over the life of the loan? WE WANT THE HIGHEST LEVEL THE RATE CAN REACH, NOT THE MAXIMUM ADDITIONAL AMOUNT THE RATE COULD RISE. Code percent * 100 -2. No limit Q267A1 P825(#1) When the interest rate on your (land contract/mortgage/loan) (changes, does/changed, did) the size of your monthly payments also change? 1. YES 5. NO Q271A1 P7060(#1) Is this a convertible (land contract/mortgage/loan); that is, do you have an option to convert it to a (land contract/mortgage/loan) with a fixed interest rate without having to refinance it? 1. YES 5. NO Q5877A1 P7061(#1) Are any of the other terms on your loan scheduled to change over the remaining life of the loan? DO NOT INCLUDE THE POSSIBILITY OF CHANGES DUE TO FUTURE REFINANCING. DO NOT INCLUDE FUTURE ELIMINATION OF PAYMENTS FOR PMI (PRIVATE MORTGAGE INSURANCE) AS A PART OF R'S REGULAR MORTGAGE PAYMENTS. DO NOT INCLUDE CHANGES DUE TO CHANGES IN PROPERTY TAXES OR OTHER PAYMENTS. 1. YES 5. NO --> SKIP (BACK) TO P830/Q272A1 (start of iteration #2) Q5878A1 P7062(#1) What terms will change and how will they change? ________________________________________________ SKIP (BACK) TO P830/Q272A1 (start of iteration #2) ----------------------------------------------------------------------------- OTHER LOAN USED TO PURCHASE PROPERTY ----------------------------------------------------------------------------- Q274 P1032 Do you (and your family living here) owe money on any (other) loans used for the purchase of this property, such as loans from relatives or the seller? IF YES, SAY: Please do not include home equity lines of credit. 1. YES 5. NO --> SKIP TO P7136/Q773 Q284 P1039 How much are the payments? Code amount -1. Nothing -2. No regular payment Q286 P7567 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 11. Twice per year 31. Twice a month -7. Other (SPECIFY) Q295 P1044 How much is still owed on this loan? Code amount Q773 P7136 We are interested in your view of the chance that you will be staying at your current address for the next two years. Using any number from zero to 100, where zero equals no chance and 100 equals absolutely certain, what do you think the chances are that you will be living at your current address two years from now? INTERVIEWER: ROUND TO CLOSEST NUMBER DISPLAYED. -1. NO CHANCE OF STAYING (recoded from zero) 10. 20. 30. 40. 50. 50-50 CHANCE 60. 70. 80. 90. 100. ABSOLUTELY CERTAIN TO STAY NOTE: CARD 6 contains the following information: The numbers 0, 10, 20, ..., 100 in a horizontal row bounded by dark lines. Below 0 is printed "Absolutely no chance"; in the space below 20 and 30 is printed "Possible but not likely"; below 50 is printed "50-50 chance"; in the space below 70 and 80 is printed "Likely but not certain"; and below 100 is printed "Absolutely certain." ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- LINES OF CREDIT ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- IF OWN ANY PART OF RESIDENCE (QD2=OWN OR Q107=(OWNS ALL, OWNS ONLY PART) OR Q134=(OWN BOTH HOME AND SITE, OWN ONLY SITE, OWN ONLY HOME) OR Q184=(OWNS, CONDO, CO-OP, TOWNHOUSE ASSOCIATION, RETIREMENT LIFETIME TENANCY) OR Q185=YES) --> CONTINUE OTHERWISE --> SKIP TO QD32 QD24 P09340 Do you (or anyone in your family living here) have a home equity line of credit? Please include approved lines of credit even if you are not currently drawing against them. 1. YES 5. NO --> SKIP TO P09348/QD32 QD25 P09341 How many home equity lines of credit do you (and your family living here) have? Code number QD26 P09342 Do you (or your family living here) currently owe money on (this/these) home equity line(s) of credit? 1. YES 5. NO --> SKIP TO P09347/QD31 QD27 P09343 What was the money used for? IF MULTIPLE USES, SAY: What was the main use? ___________________________________________________ QD28 P09344 (In total, how/How) much is currently owed? Code amount QD29 P09345 What is the typical payment? IF NO TYPICAL PAYMENT, PRESS [F6]. Code amount QD30 P09346 Frequency Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 31. Twice a month -7. Other (SPECIFY) QD31 P09347 (Including what you owe now, what/What) is the total credit limit on (this/these) home equity line(s) of credit? Code amount ALL HOUSEHOLDS QD32 P09348 Do you (or anyone in your family living here) have any (other) lines of credit, not counting credit cards or business lines of credit? (Please include approved lines of credit even if you are not currently drawing against them.) 1. YES 5. NO --> SKIP TO P1401/Q367 QD33 P09349 How many such lines of credit do you (and your family living here) have? Code number QD34 P09350 Do you (or your family living here) currently owe any money on (this line/these lines)? 1. YES 5. NO --> SKIP TO P09355/QD39 QD35 P09351 What was the money used for? IF MULTIPLE USES, SAY: What was the main use? __________________________________________________ QD36 P09352 (In total, how/How) much is currently owed? Code amount QD37 P09353 (In total, what/What) is the typical payment? IF NO TYPICAL PAYMENT, PRESS [F6]. Code amount QD38 P09354 Frequency Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 31. Twice a month -7. Other (SPECIFY) QD39 P09355 (Including what you owe now, what/What) what is the total credit limit on (the line/these lines) of credit? Code amount ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- OTHER REAL ESTATE ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Q367 P1401 Have you (or anyone in your family living here) ever sold any real estate for which you loaned money to the buyer? Please include accepting a note, land contract, or mortgage from the buyer. 1. YES 5. NO --> SKIP TO P09402/QE2 Q368 P1402 Does the buyer still owe (you/your family) money on any of these notes, land contracts, or mortgages? 1. YES 5. NO --> SKIP TO P09402/QE2 QE1 P09401 In total, how much (are you/is your family) owed on these loans? Code amount Now I will ask you about other real estate you (and your family living here) may own. QE2 P09402 Do you (or anyone in your family living here) own any second or vacation homes or any land you use for recreational purposes? IF P09306/QD4=NO THEN ASK: Do you (or anyone in your family living here) own any second or vacation homes or any land you use for recreational purposes? Please include your current main residence here. 1. YES 5. NO --> SKIP TO P09411/QE11 QE3 P09403 (Do you/Does your family) own any of these properties through a business you own? (IF YES, SAY: I'll ask about those properties later). 1. YES 5. NO QE4 P09404 How many such properties do you (and your family living here) have (that are not owned through a business)? How many such properties do you (and your family living here) have? Code number -1. None --> SKIP TO P09411/QE11 QE5 P09405 (In total, how/How) much is your (family's) share of this real estate worth? That is, without taking any outstanding loans into account, what would it bring if it were sold today? Code amount QE6 P09406 What was your (family's) total purchase price for this real estate? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) Code amount QE7 P09407 Are there any mortgages or loans outstanding against this real estate? 1. YES 5. NO --> SKIP TO P09411/QE11 QE8 P09408 Altogether, about how much is owed on your (family's) share of these mortgages or loans? Code amount QE9 P09409 How much in total are your (family's) payments on these loans or mortgages? Code amount -1. Nothing -2. No regular payments QE10 P09410 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 31. Twice a month -7. Other A2 iteration QE11 P09411 Do you (or anyone in your family living here) own any other type of real estate such as a lot, apartment building, commercial property, or other investment property, including properties owned in partnership with others? 1. YES 5. NO --> SKIP TO P3101 QE12 P09412 (Do you/Does your family) own any of these properties through a business you own? (IF YES, SAY: I'll ask about those properties later). 1. YES 5. NO QE13 P09413 How many such properties do you (and your family living here) have (that are not owned through a business)? How many such properties do you (and your family living here) have? Code number -1. None --> SKIP TO P3101/Q481 QE14 P09414 (In total, how/How) much is your (family's) share of this real estate worth? That is, without taking any outstanding loans into account, what would it bring if it were sold today? Code amount QE15 P09415 What was your (family's) total purchase price for this real estate? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) Code amount QE16 P09416 Are there any mortgages or loans outstanding against this real estate? 1. YES 5. NO --> SKIP TO P3101/Q481 QE17 P09417 Altogether, about how much is owed on your (family's) share of these mortgages or loans? Code amount QE18 P09418 How much in total are your (family's) payments on these loans or mortgages? Code amount -1. Nothing -2. No regular payments QE19 P09419 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 31. Twice a month -7. Other (SPECIFY) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- BUSINESSES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Q481 P3101 DOES R OPERATE A FARM/RANCH BUSINESS ON THEIR PROPERTY? (Coded automatically by CAPI program: P503/Q98=1 implies YES, otherwise NO) 1. YES --> SKIP TO P3105/Q482 5. NO Q484 P3103 Now I would like to ask you about businesses you may own. Do you (or your family living here) own or share ownership in any privately-held businesses, including farms, professional practices, limited partnerships or other business investments that are not publicly traded? IF R OWNS STOCKS THROUGH AN INVESTMENT CLUB, REPORT LATER AS STOCKS OR MUTUAL FUNDS. 1. YES --> SKIP TO P3104/Q485 5. NO DK REF QF1 P09501 CHECKPOINT: BUSINESS OWNERSHIP IN 2007 [PRE-LOAD] 1. OWNED AN ACTIVELY MANAGED BUSINESS IN 2007, NONE REPORTED IN 2009 2. NO ACTIVELY MANAGED BUSINESS REPORTED IN 2007 AND NO BUSINESS IN 2009 --> SKIP TO P2501/Q556 4. DK/REF ACTIVELY MANAGED BUSINESS IN 2007, NONE REPORTED --> SKIP TO P2501/Q556 5. DK/REF IN 2009 --> SKIP TO P2501/Q556 QF2 P09502 At the time of the last interview, you (and your family living here) reported owning a business that was not publicly traded and that you (or someone in your family living here) actively managed. Did you sell the business, did it/they go out of business, did it go public, or something else? 2. SOLD --> SKIP TO P2501/Q556 3. WENT OUT OF BUSINESS --> SKIP TO P2501/Q556 4. WENT PUBLIC --> SKIP TO P2501/Q556 5. STILL OWN THE BUSINESS --> SKIP TO P3104/Q485 -7. OTHER (SPECIFY) --> SKIP TO P2501/Q556 Q485 P3104 Do you (or anyone in your family living here) have an active management role in any of these businesses? INTERVIEWER: INCLUDE THE GENERAL PARTNERS IN A LIMITED PARTNERSHIP, BUT NOT THE LIMITED PARTNERS. 1. YES --> SKIP TO P3105/Q486 5. NO QF3 P09507 CHECKPOINT: BUSINESS OWNERSHIP IN 2007 [PRE-LOAD] 1. OWNED AN ACTIVELY MANAGED BUSINESS IN 2007, STILL OWN THE BUSINESS --> SKIP TO P3402/Q535 2. OWNED AN ACTIVELY MANAGED BUSINESS IN 2007, NONE REPORTED IN 2009 3. NO ACTIVELY MANAGED BUSINESS REPORTED IN EITHER YEAR --> SKIP TO P3402/Q535 4. DK/REF ACTIVELY MANAGED BUSINESS IN 2007, NONE REPORTED --> SKIP TO P2501/Q556 5. DK/REF IN 2009 --> SKIP TO P2501/Q556 QF4 P09508 At the time of the last interview, you (and your family living here) reported owning (a business/businesses) that (was/were) not publicly traded and that you (or someone in your family living here) actively managed. Do you still own the business(es) but no longer manage (it/them), did you sell (it/them), did (it/they) go out of business, did (it/they) go public, or something else? 1. STILL OWN THE BUSINESS, BUT NO LONGER MANAGE --> SKIP TO P3402/Q535 2. SOLD --> SKIP TO P3402/Q535 3. WENT OUT OF BUSINESS --> SKIP TO P3402/Q535 4. WENT PUBLIC --> SKIP TO P3402/Q535 6. STILL OWN THE BUSINESS AND ACTIVELY MANAGE --> SKIP TO P3105/Q486 -7. OTHER (SPECIFY) --> SKIP TO P3402/Q535 Q482/Q486 P3105A/P3105 IF P3101/Q481=YES, ASK: Including your (farm/ranch) business, in how many (farms/ranches), privately-held businesses, professional practices, limited partnerships, or other business investments that are not publicly traded do you (or your family living here) own or share ownership in and also have an active management role? ELSE IF P3103/Q484=YES, ASK: In how many such privately-held businesses or investments do you (or your family living here) have an active management role? Code number QF5 P09509 (In total how/How) many people work for (these businesses/this business), including you (or anyone in your family living here)? Code number These next few questions are about the relationship between your personal finances and the finances of your (business/businesses). These next few questions are about the relationship between your family's personal finances and the finances of your family's (business/businesses). QF6 P09510 Are you (or your family living here) using personal assets as collateral or did you have to cosign or guarantee any loans for (this business/these businesses)? 1. YES 5. NO --> SKIP TO P09515/QF11 QF7 P09511 Which of these did you do? Collateralize a loan, guarantee a loan, or both? 1. COLLATERALIZE 2. GUARANTEE 3. BOTH QF8 P09512 (In total, how/How) much is (guaranteed/collateralized/ guaranteed or collateralized)? Code amount QF9 P09513 Did I record this earlier? 1. YES 5. NO --> SKIP TO P09515/QF11 QF10 P09514 Which loan was that? 1. Credit card or store debt 2. Mortgage debt 4. Other home purchase loan 6. Loan for other real estate 7. Line of credit -7. Other (SPECIFY) QF11 P09515 Other than guarantees, (does the business/do the businesses) owe you (or your family living here) any money? 1. YES 5. NO --> SKIP TO P09517/QF13 QF12 P09516 (In total, how/How) much is owed? Code amount QF13 P09517 Do you (or your family living here) owe the business(es) any money? 1. YES 5. NO --> SKIP TO P09521/QF17 QF14 P09518 How much do you (and your family living here) owe? Code amount QF15 P09519 Did I record this earlier in the interview? 1. YES 5. NO --> SKIP TO P09521/QF17 QF16 P09520 Which loan was that? 1. Credit card or store card 2. Mortgage debt 4. Other home purchase loan 6. Loan for other real estate 7. Line of credit 8. Business loan -7. Other (SPECIFY) QF17 P09521 (What is the net worth of the share of the business owned by you [or anyone in your family living here]?/What is the net worth of the shares of the businesses owned by you [or anyone in your family living here]?) PROBE: What could you sell (it/them) for? THE VALUE SHOULD BE NET OF ANY LOANS. Code amount -1. Nothing IF P09509/QF5 >=500 SKIP TO P3401/Q534 QF18 P09522 [Has the business/Have any of the businesses] applied for any type of credit or loan in the last two years? INCLUDE PRE-APPROVED CREDIT THAT BUSINESS ACCEPTED. 1. YES 5. NO SKIP TO P09526/QF22 DK SKIP TO P09526/QF22 REF SKIP TO P09526/QF22 QF19 P09523 In the past two years, has a particular lender or creditor turned down any request [the business/any of your 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 SKIP TO P09526/QF22 DK SKIP TO P09526/QF22 REF SKIP TO P09526/QF22 QF20 P09524 Did the business later obtain the full amount requested, either by reapplying to the same institution or by applying elsewhere? 1. YES, BY REAPPLYING 2. YES, BY APPLYING ELSEWHERE 3. Did Not Reapply 5. NO DK REF QF21 P09525 On the most recent occasion, what reasons were given for (being turned down for credit/given for being unable to get as much credit as the business applied for)? ______________________________________________________ QF22 P09526 Was there any time in the past two years that (the business/any of your 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 SKIP TO P3401/Q534 DK SKIP TO P3401/Q534 REF SKIP TO P3401/Q534 QF23 P09527 On the most recent occasion, why did you expect to be turned down? ______________________________________________________ Q534 P3401 Do you (or anyone in your family living here) own or share ownership in any other businesses or business investments that are not publicly traded and where you do NOT have an active management role? IF YES: Please do not include any assets reported earlier. 1. YES 5. NO --> SKIP TO P2501/Q556 Q535 P3402 In how many businesses do you (and your family living here) own or share ownership where you do not have an active management role? Code number QF24 P09528 What could you sell your (family's) share for? Code amount ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- VEHICLES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Q556 P2501 Now I'd like to get some information on your vehicles. Some people have cars or other vehicles provided to them by a business for personal and business use. Do you (or your family living here) have any such business vehicles? 1. YES 5. NO --> SKIP TO P2101/Q559 Q557 P2502 How many such vehicles do you (or someone in your family living here) regularly use? Code number Q559 P2101 Are you or anyone in your family living here currently leasing any cars or other vehicles? 1. YES 5. NO --> SKIP TO P2201/Q577 Q560 P2102 (Not counting vehicles leased by a business, how/How) many cars or other vehicles do you (and your family living here) lease? Code number QG1 P09601 (In total, how/How) much are the lease payments? Code amount -1. Nothing -2. No regular payments QG2 P09602 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) Code frequency 2. Week 4. Month -7. Other (SPECIFY) Q577 P2201 Do you (or anyone in your family living here) own any cars, or any kind of truck, van or sport utility vehicle (SUV)? Do not include motorcycles, tractors, snow blowers, etc., or any vehicles owned by a business. INCLUDE VEHICLES THAT ARE (OR COULD EASILY BE) IN RUNNING CONDITION. 1. YES 5. NO --> SKIP TO P2503/Q623 Q578 P2202 Altogether, how many such cars or vehicles do you (or anyone in your family living here) own? Code number QG3 P09603 How much (in total) (is this vehicle/are these vehicles) worth? (What would you get if you sold [it/them] today?) Code amount QG4 P09604 Not counting loans I have already recorded, is any money still owed on loans for (this vehicle/these vehicles)? 1. YES 5. NO --> SKIP TO P2503/Q623 QG5 P09605 Altogether, about how much is still owed on (this loan/these loans)? Code amount QG6 P09606 How much are the payments on (this loan/these loans)? Code amount -1. Nothing -2. No regular payment QG7 P09607 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 31. Twice a month -7. Other (SPECIFY) Q623 P2503 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 TRACTORS AND LAWN MOWERS 1. YES 5. NO --> SKIP TO P7801/Q666 Q624 P2504 Altogether, how many of these other vehicles do you own? Altogether, how many of these other vehicles do you or someone in your family living here own? Code number QG8 P09608 How much are all the other such vehicle(s) that you (and others in your family living here) own worth? IF PEU OWNS ONLY PART OF THE REMAINING VEHICLES, INCLUDE ONLY THE PEU'S SHARE. Code amount QG9 P09609 Not counting loans I have already recorded, is any money still owed on loans for (this vehicle/these vehicles)? 1. YES 5. NO --> SKIP TO P7801/Q666 QG10 P09610 Altogether, about how much is still owed on (this loan/these loans)? IF PEU OWNS ONLY PART OF THE REMAINING VEHICLES, INCLUDE ONLY THE PEU'S SHARE. Code amount QG11 P09611 How much are the payments on (this loan/these loans)? IF PEU OWNS ONLY PART OF THE REMAINING VEHICLES, INCLUDE ONLY THE PEU'S SHARE. Code amount -1. Nothing -2. No regular payment QG12 P09612 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 31. Twice a month -7. Other (SPECIFY) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- EDUCATION LOANS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Q666 P7801 Do you and your family living here owe any money or have any loans for educational 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 --> SKIP TO P7182/Q702 Q667 P7802 How many such loans are there? IF ORIGINALLY MANY LOANS, BUT NOW CONSOLIDATED, RECORD THE CONSOLIDATED NUMBER. IF MULTIPLE LOANS FROM ONE SOURCE THAT ARE TREATED BY THE LENDER AS ONE ACCOUNT, TREAT AS ONE LOAN HERE. Code number QH1 P09701 Are the payments on (this loan/any of these loans) currently deferred? 1. YES 5. NO QH2 P09702 How much (in total) do you (or your family living here) owe on (this/these) education loan(s)? That is, how much would it cost to pay off the loan(s) now. Code amount QH3 P09703 IF MORE THAN ONE LOAN (P7802/Q667^=1) OR NO PAYMENTS ARE DEFERRED (P09701/QH1=5), ASK: How much (in total) are the payments on (this loan/these loans)? IF PAYMENTS ARE DEFERRED ON ALL EDUCATION LOANS, ENTER ZERO. Code amount NOTHING QH4 P09704 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 31. Twice a month -7. Other (SPECIFY) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- OTHER CONSUMER LOANS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Q702 P7182 Do you (or anyone in your family living here) have any other loans? (These may be loans for household appliances, furniture, hobby or recreational equipment, medical bills, loans from friends or relatives, loans for a business or investment, or other loans.) IF YES, SAY: Please do not include credit cards or loans I have already recorded. DO NOT INCLUDE GIFTS/LOANS R IS NOT EXPECTED TO REPAY DO NOT INCLUDE OUTSTANDING BILLS UNLESS THEY ARE MORE THAN 30 DAYS PAST DUE 1. YES 5. NO --> SKIP TO P7063/Q5802 NOTE: CARD 8 contains the following text in a vertical column: "Loans for household appliances, furniture," "Loans for hobby or recreational equipment," "Loans for medical bills," "Loans from friends or relatives," "Other loans or money owed." Q703 P2709 How many such loans do you have? Code number QI1 P09801 What was the (largest) loan for? ________________________________________________ QI2 P09802 How much (in total) is owed on (this loan/these loans)? Code amount QI3 P09803 How much (in total) are all the payments on (this loan/these loans)? Code amount -1. Nothing -2. No regular payment QI4 P09804 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 31. Twice a month -7. Other (SPECIFY) ----------------------------------------------------------------------------- PAYMENTS ON SCHEDULE ON ALL TYPES OF LOANS ----------------------------------------------------------------------------- Q5802 P7063 During the past year, have you (or anyone in your family living here) taken out a "payday loan," that is, borrowed money that was supposed to be repaid in full out of your next paycheck? IF YES: Please do not include personal loans from family members or friends. 1. YES 5. NO ASK P3004/Q732 IF ANY OF THE FOLLOWING HOLD (R HAS ANY TYPE OF LOAN OR A CREDIT CARD BALANCE): P09206/QB6 (Section B: credit card balance) is >0 or =DK/REF P7577/Q91 (Section B: non-credit-card tab at a store) = YES/DK/REF P723/Q218 (Section D: have a mortagage on house) = Yes, mortgage or Yes, land contract or DK/REF P1032/Q274 (Section D: other home purchase loan) = YES/DK/REF P09342,P09350/QD26,QD34 (Section D: owe many on home equity line(s) of credit/owe money on other line(s) of credit) = YES/DK/REF P09407/QE7 (Section E: mortgage on vacation property) = YES/EK/REF P09416/QE16 (Section E: mortgage on non-vacation property)= YES/DK/REF P09510/QF6 (Section F: collateralize or guarantee) = YES/DK/REF P09515/QF11 (Section F: have loan to business) = YES/DK/REF P09604/QG4 (Section G: mopup car loan) = YES/DK/REF P09609/QG9 (Section G: mopup other vehicle loan) = YES/DK/REF P7801/Q666 (Section H: have education loan) = YES/DK/REF P7182/Q702 (Section I: have other loan) = YES/DK/REF Q732 P3004 Now thinking of all the various loan or mortgage payments you made during the last year, were all the payments made the way they were scheduled, or were payments on any of the loans sometimes made later or missed? 1. All paid as scheduled or AHEAD OF SCHEDULE --> SKIP TO P09805/QI5 5. Sometimes got behind or missed payments Q733 P3005 Were you ever behind in your payments by two months or more? 1. YES 5. NO QI5 P09805 Since January 2007, have you (or your husband/wife/partner) filed for bankruptcy? 1. YES 5. NO --> SKIP TO P09808/QI6 QI5a When was that? P09806A 1. ENTER "NUMBER OF YEARS AGO" 2. ENTER YEAR QI5b P09806 CODE YEARS AGO -1. Less than a year QI5c P09807 CODE YEAR QI6 P09808 CHECKPOINT: HOME REPORTED AS FORECLOSED EARLIER 1. P09310-P09318/QD7M1-M9=HOME FORECLOSED --> SKIP TO P3006/Q734 2. NOT HOME FORECLOSED QI7 P09809 Have you (or your [husband/wife/partner]) ever had a foreclosure proceeding brought against a property you have owned? 1. Yes 5. No --> SKIP TO P3006/Q734 QI8 P09810 What year was that? IF MORE THAN ONCE, ASK: When was the most recent time? CODE YEAR QI9 P09811 Did you lose the property as a result? 1. YES 5. NO; not yet --> SKIP TO P3006/Q734 QI10 P09812 Did you attempt to contact your lender to work out an arrangement to avoid foreclosure? 1. YES 5. NO QI11 P09813 Was the property you lost your home? 1. YES 5. NO ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- MISCELLANEOUS OPINION VARIABLES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Q734 P3006 P3007 P7513 P7514 P7515 P6848 Now I'd like to ask you some questions about your (family's) attitudes about savings. People have different reasons for saving, even though they may not be saving all the time. What are your (family's) most important reasons for saving? IF R SAYS THEY DON'T/CAN'T SAVE ASK: If you were saving now, what would be the most important reason you would have to save? Probe: What else? TREAT "SAVING" AND "INVESTING" THE SAME. ______________________________________________ Q735 P3010 In the next five to ten years, are there any foreseeable major expenses that you (and your family) expect to have to pay for (yourself/yourselves), such as educational expenses, purchase of a new home, health care costs, support for other family members, or anything else? 1. YES 5. NO --> SKIP TO P3008/Q739 Q736M1-M6 P3011-P3013,P7512,P7511,P6667 What kinds of obligations are these? SHOW CARD 3 CODE ALL THAT APPLY 1. EDUCATION FOR YOUR CHILDREN 2. EDUCATION FOR OTHERS 3. HEALTH CARE FOR SELF/SPOUSE/PARTNER 4. HEALTH CARE FOR OTHERS 21. PURCHASE OF NEW HOME -7. OTHER MAJOR FINANCIAL OBLIGATIONS (SPECIFY) NOTE: CARD 9 contains the following text in a vertical column: "Education for your children," "Education for others," "Future health care for self/spouse," "Health care for others," "Purchase of new home," "Other major financial obligation." Q738 P7186 Are you saving for (this expense/these expenses) now? 1. YES 5. NO 6. ALREADY SAVED FOR IT Q739 P3008 IN PERSON VERSION: (SHOW CARD 4) In planning (your/your family's) saving and spending, which of the time periods listed on this page is most important to [you/you and your (husband/wife/partner)]? TELEPHONE VERSION: In planning (your/your family's) saving and spending, which of the following is most important to [you/you and your (husband/wife/partner)]: the next few months, the next year, the next few years, the next 5 to 10 years, or longer than 10 years? 1. NEXT FEW MONTHS 2. NEXT YEAR 3. NEXT FEW YEARS 4. NEXT 5-10 YEARS 5. LONGER THAN 10 YEARS NOTE: CARD 5 contains the following text in a vertical column: "Next few months," " Next year," "Next 5 to 10 years," "Longer than 10 years." Q740 P3014 IN PERSON VERSION: (SHOW CARD 5) Which of the statements on this page comes closest to the amount of financial risk that you (and your [husband/wife/partner]) are willing to take when you save or make investments? READ RESPONSES IF NECESSARY. TELEPHONE VERSION: Which of the following statements comes closest to describing the amount of financial risk that you (and your [husband/wife/partner]) are willing to take when you save or make investments? INTERVIEWER: IF MORE THAN ONE RESPONSE IS GIVEN USE THE FIRST CATEGORY THAT APPLIES. 1. Take substantial financial risks expecting to earn substantial returns 2. Take above average financial risks expecting to earn above average returns 3. Take average financial risks expecting to earn average returns 4. Not willing to take any financial risks NOTE: CARD 6 contains the following text in a vertical column: "Take substantial financial risks expecting to earn substantial returns," "Take above average financial risks expecting to earn above average returns," "Take average financial risks expecting to earn average returns," "Not willing to take any financial risks." Q741M1-M7 P3015A-P3020A IN PERSON VERSION: (SHOW CARD 6) Which of the following statements on this page comes closest to describing your (and your [husband/wife/partner]'s) saving habits? READ RESPONSES IF NECESSARY. INTERVIEWER: DO NOT PROBE FOR MORE THAN ONE RESPONSE. ENTER MULTIPLE RESPONSES ONLY IF R VOLUNTEERS THEM TREAT SAVING AND INVESTING THE SAME. TELEPHONE VERSION: Which of the following statements comes closest to describing your (and your [husband/wife/partner]'s) saving habits? INTERVIEWER: DO NOT PROBE FOR MORE THAN ONE RESPONSE. ENTER MULTIPLE RESPONSES ONLY IF R VOLUNTEERS THEM TREAT SAVING AND INVESTING THE SAME. CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN. 1. Don't save - usually spend more than income 2. Don't save - usually spend about as much as income 3. Save whatever is left over at the end of the month - no regular plan 4. Save income of one family member, spend the other 5. Spend regular income, save other income 6. Save regularly by putting money aside each month -7. OTHER NOTE: CARD 7 contains the following text in a vertical column: "Don't save -- Usually spend more than income," "Don't save -- Usually spend about as much as income," "Save whatever is left over at the end of each month -- No regular plan," "Save income of one family member, spend the other," "Save regularly by putting money aside each month." Q743 P7510 Over the past year, would you say that your (family's) spending exceeded your (family's) income, that it was about the same as your income, or that you spent less than your income? (Spending should not include any investments you have made.) IF DEBTS ARE BEING REPAID ON NET, TREAT THIS AS SPENDING LESS THAN INCOME. 1. SPENDING EXCEEDED INCOME 2. SPENDING SAME AS INCOME 3. SPENDING WAS LESS THAN INCOME --> SKIP TO P7187/Q749 DK --> SKIP TO P7187/Q749 REF --> SKIP TO P7187/Q749 Q744 P7509 Did any of that spending include purchases of a home or automobile or spending for any investments? 1. YES --> IF P7510/Q743=2 THEN SKIP TO P7187/Q749 5. NO --> IF P7510/Q743=2 THEN SKIP TO P7187/Q749 ELSE SKIP TO P7507/Q746 Q745 P7508 Leaving aside those expenses, over the past year, would you say that your (family's) spending exceeded your (family's) income, that it was about the same as your income, or that you spent less than your income? 1. *SPENDING EXCEEDED INCOME 2. *SPENDING SAME AS INCOME --> SKIP TO P7187/Q749 3. *SPENDING WAS LESS THAN INCOME --> SKIP TO P7187/Q749 0. Inap. (spending less than or equal to income: P7510=2 or 3; spending did not include durables purchases: P7509^=1) Q746 P7507 To make up the difference, did you borrow additional money, did you spend out of savings or investments, or did you do something else? 1. BORROWED MONEY 2. SPENT OUT OF SAVINGS/INVESTMENTS -7. OTHER (SPECIFY) Q749 P7187 About how much do you think you (and your family) need to have in savings for emergencies and other unexpected things that may come up? Code amount -1. Nothing For the following statements, please say whether you agree strongly, agree somewhat, neither agree nor disagree, disagree somewhat, or disagree strongly: Q1609 P6789 When the things that [I/my (husband and I/wife and I/ partner and I)] own *increase* in value, (I am/we are) *more* likely to spend money. 1. AGREE STRONGLY 2. AGREE SOMEWHAT 3. NEITHER AGREE NOR DISAGREE 4. DISAGREE SOMEWHAT 5. DISAGREE STRONGLY QJ1 P09902 When the things that [I/my (husband and I/wife and I/ partner and I)] own *decrease* in value, (I am/we are) *less* likely to spend money. 1. AGREE STRONGLY 2. AGREE SOMEWHAT 3. NEITHER AGREE NOR DISAGREE 4. DISAGREE SOMEWHAT 5. DISAGREE STRONGLY QJ2 Aside from any purchases of assets, would you say that your P09903 (family's) overall expenses over the past year were unusually high or low compared to what you would expect in a "normal" year, or were they about normal? 1. High 2. Low 3. Normal Q1642 P6443 In an emergency could you or your (husband/wife/partner) get financial assistance of $3,000 or more from any friends or relatives who do not live with you? In an emergency could you get financial assistance of $3,000 or more from any friends or relatives who do not live with you? 1. YES 5. NO ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- FINANCIAL ASSETS (ALSO INCLUDES SOME MISC. ASSETS AND DEBTS) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- CHECKING ACCOUNTS ----------------------------------------------------------------------------- Q751 P3501 Now I'd like to ask about different types of financial assets that you might have. First, do you (or anyone in your family living here) have any checking accounts at any type of institution? IF YES: Please do not include any money market accounts unless you use them regularly as checking accounts. DO NOT INCLUDE LOAN ACCOUNTS OR CREDIT CARDS WITH CHECK-WRITING PRIVILEGES. DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY LIVING HERE. 1. YES 5. NO --> SKIP TO P3601/Q774 Q756 P3504 How many checking accounts do you (and your family living here) have? (IF R ASKS: INCLUDE MONEY MARKET ACCOUNTS ONLY IF THEY ARE USED AS CHECKING ACCOUNTS) DO NOT INCLUDE BUSINESS ACCOUNTS. DO NOT INCLUDE LOAN ACCOUNTS OR CREDIT CARDS WITH CHECK-WRITING PRIVILEGES. DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY LIVING HERE. Code number of accounts QN1 P091001 How much (in total) is in (this checking account/all your [family's] checking accounts)? PROBE: What was the average over the last month? Code amount -1. Nothing ----------------------------------------------------------------------------- IRA/KEOGH ACCOUNTS ----------------------------------------------------------------------------- Q774 P3601 (SHOW CARD 7) As we continue through the interview, I will be asking you about several types of retirement assets you may have, such as IRAs, annuities, and pensions and retirement accounts you may have through a current or past job. Here I would like to ask just about IRAs and Keogh accounts. These may include accounts that you "rolled over" into an IRA after leaving a previous job as well as Roth IRAs, or any other type of IRA or Keogh account that is not part of a retirement plan on a current or past job. Do you (or anyone in your family living here) have any Keoghs or IRAs? IF YES, SAY: Please do not include IRA-SEP or IRA-SIMPLE accounts, which we treat as job pensions. "EDUCATION IRAs" ARE SAVINGS ACCOUNTS. 1. YES 5. NO --> SKIP TO P3719/Q807 QN2 P091002 How many such accounts do you (or your family living here) have? Code number of accounts QN3 P091003 What is the (total) amount in (this account/all these accounts)? Code amount QN4 P091004 How is the money in (this/these) account(s) invested? Is it all in stocks, all in interest-earning assets, is it 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 --> SKIP TO P091006/QN6 2. ALL IN INTEREST EARNING ASSETS/BONDS --> SKIP TO P091006/QN6 3. SPLIT 30. MUTUAL FUND (NOT A PREFERRED RESPONSE) -7. OTHER (SPECIFY) --> SKIP TO QN6 QN5 P091005 About what percent is in stocks? Code percent * 100 QN6 P091006 Did (you/anyone) take any withdrawals from (this/these) account(s) in 2008? 1. YES 5. NO --> SKIP TO P3719/Q807 QN7 P091007 How much in total was withdrawn in 2008? Code amount ----------------------------------------------------------------------------- CERTIFICATES OF DEPOSIT ----------------------------------------------------------------------------- Q807 P3719 Do you (or anyone in your family here) have any CDs or certificates of deposit at financial institutions? IF YES: Please do not include CDs that are part of IRAs or Keoghs I have already recorded. IF R ASKS: CDs are certificates held for a set period of time that must be cashed or renewed at the maturity date. INCLUDE "BANKERS ACCEPTANCES" AND "REPURCHASE AGREEMENTS". DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY LIVING HERE. 1. YES 5. NO --> SKIP TO P3727/Q816 Q808 P3720 Altogether, how many such CDs do you (and your family living here) have? Code number Q809 P3721 What is the total dollar value of (this CD/all these CDs)? Code amount ----------------------------------------------------------------------------- SAVINGS/MONEY MARKET ACCOUNTS ----------------------------------------------------------------------------- Q816 P3727 Do you (or anyone in your family living here) have any savings or money market accounts? These could be traditional savings accounts, Coverdell or 529 education accounts, Christmas Club accounts, or any type of savings or money market account I have not already recorded. IF YES, SAY: Please do not include flexible spending accounts, accounts that are part of a pension plan, or mutual funds other than money market funds. A MONEY MARKET ACCOUNT HAS AN INTEREST RATE THAT VARIES FROM MONTH TO MONTH, AND IT USUALLY HAS LIMITED CHECKING PRIVILEGES. COVERDELL ACCOUNTS AND STATE-SPONSORED "529" ACCOUNTS ARE EDUCATIONAL SAVINGS PLANS (ESAs). DO NOT INCLUDE CUSTODIAL ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY LIVING HERE. DO NOT INCLUDE MUTUAL FUNDS OTHER THAN MONEY MARKET ACCOUNTS. INCLUDE ALL OTHER ACCOUNTS IN WHICH THE FAMILY HAS ANY ASSET INTEREST. 1. YES 5. NO --> SKIP TO P3819/Q831 Q817 P3728 How many such accounts do you (and your family living here) have? DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY LIVING HERE. Code number of accounts QN8 P091008 How much (in total) is in your (family's) account(s)? (What was the average over the last month?) Code amount QN9M1-M7 P091009A-P091015A What (type of account is this/types of account are these)-- a traditional savings account, a Coverdell or 529 educational account, a money market account, or some other type of account? CODE ALL THAT APPLY PASSBOOK AND STATEMENT ACCOUNTS ARE TRADITIONAL SAVINGS ACCOUNTS. COVERDELL ACCOUNTS AND STATE-SPONSORED "529" ACCOUNTS ARE EDUCATIONAL SAVINGS PLANS (ESAs) DO NOT INCLUDE EMPLOYER-SPONSORED FLEXIBLE SPENDING PLANS. 1. TRADITIONAL SAVINGS ACCOUNT 2. COVERDELL/EDUCATION IRA 3. 529/STATE-SPONSORED EDUCATION ACCOUNT 4. MONEY MARKET ACCOUNT 9. HEALTH SAVINGS ACCOUNT 30. SWEEP ACCOUNT -7. OTHER (SPECIFY) IF NO ITERATION OF QN9 = (2, 3, 9) THEN SKIP TO Q831 QN10 P091016 Is any of the money in (this account/these accounts) invested in stocks or stock mutual funds? 1. YES 5. NO --> SKIP TO P3819/Q831 QN11 P091017 About what percent is in stocks or stock mutual funds? Code percent * 100 ----------------------------------------------------------------------------- MUTUAL FUNDS ----------------------------------------------------------------------------- Q831 P3819 Do you (or anyone in your family living here) have any mutual funds or hedge funds? IF YES: Please do not include any funds held through pension accounts, or assets that I have already recorded. INCLUDE OPEN-END AND CLOSED-END FUNDS, UNIT TRUSTS, EQUITY TRUSTS, LOAD AND NO-LOAD FUNDS, COMMODITY POOLS, REITs (REAL ESTATE INVESTMENT TRUSTS), MORTGAGE TRUSTS, AND ALL OTHER TYPES OF MUTUAL FUNDS. 1. YES 5. NO --> SKIP TO P3901/Q852 Q842 P3820 In how many different mutual funds or hedge funds (do you/does your family) own shares? (INTERVIEWER: WE WANT THE NUMBER OF FUNDS, NOT THE NUMBER OF FUND MANAGEMENT COMPANIES.) Code number of funds QN12 P091018 What is the (total) market value of (this fund/all these funds)? CODE AMOUNT QN13 P091019 How is the money in (this fund/these funds) invested? Is it all in stocks, all in interest-earning assets, is it split between these, or something else? 1. ALL IN STOCKS --> SKIP TO P3901/Q852 2. ALL IN INTEREST EARNING ASSETS/BONDS --> SKIP TO P3901/Q852 3. SPLIT -7. OTHER (SPECIFY) QN14 P091020 About what percent is in stocks? Code percent * 100 ----------------------------------------------------------------------------- SAVINGS BONDS ----------------------------------------------------------------------------- Q852 P3901 Do you (or anyone in your family here) have any U.S. government savings bonds? OLDER SAVINGS BONDS MAY BE SERIES E AND H. MORE RECENT SAVINGS BONDS INCLUDE SERIES EE, HH, AND I. ONE WAY SAVINGS BONDS CAN BE PURCHASED IS BY PAYROLL DEDUCTION. 1. YES 5. NO --> SKIP TO P3903/Q855 Q853 P3902 What is the total face value of all the savings bonds that you (and your family) have? Code amount ----------------------------------------------------------------------------- BONDS OTHER THAN SAVINGS BONDS ----------------------------------------------------------------------------- Q855 P3903 Do you (or anyone in your family living here) have any other corporate, municipal, government, or other type of bonds or bills? IF YES: Please do not include bonds or bills held in pension accounts, or any other accounts I have already recorded. 1. YES 5. NO --> SKIP TO P3913/Q870 Q868 P3904 How many different bonds or bills do you (or your family) own? Code number QN15 P091021 What is the face value of all of the bonds you (and your family living here) have? Code amount QN16 P091022 What is the total market value? Code amount ----------------------------------------------------------------------------- PUBLICLY TRADED STOCK ----------------------------------------------------------------------------- Q870 P3913 Do you (or anyone in your family living here) own any stock which is publicly traded? IF YES: Please do not include stock held through pension accounts, or assets that I have already recorded. 1. YES 5. NO --> SKIP TO P3923/Q892 Q871 P3914 In how many different companies do you (or your family living here) own stock? WE WANT THE NUMBER OF COMPANIES IN WHICH R OWNS STOCK, NOT THE NUMBER OF INDIVIDUAL SHARES. Code number Q872 P3915 What is the total market value of this stock? IF R BOUGHT THE STOCK "ON MARGIN" (BORROWED ON THE STOCK TO BUY IT), WE WANT THE GROSS VALUE OF THE STOCK. Code amount ----------------------------------------------------------------------------- BROKERAGE ACCOUNTS ----------------------------------------------------------------------------- Q892 P3923 Do you (or anyone in your family here) have a brokerage account for the purchase or sale of stocks and other securities? 1. YES 5. NO --> SKIP TO P6815/Q907A1 Over the past year, about how many times did you (or anyone in your family living here) buy or sell stocks or other securities through a broker? ENTER ZERO FOR NONE. Q896 P3928 Code number -1. None Q897 P7193 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. IF ANSWER IS ZERO, CODE "IN TOTAL". TIMES PER (And that amount is per...?) Code frequency 1. DAY 2. WEEK 4. MONTH 5. QUARTER 6. YEAR 8. IN TOTAL -7. OTHER Q899 P3929 Not including any accounts you've told me about, do you (or anyone in your family living here) have a "cash" or "call money" account at a stock brokerage? (IF R ASKS: CASH OR CALL MONEY ACCOUNTS HOLD MONEY RECEIVED FROM THE SALE OF STOCK UNTIL THE MONEY IS REINVESTED.) 1. YES 5. NO --> SKIP TO P3931/Q902 Q900 P3930 What is the total dollar value of all the cash or call money accounts that you (and your family living here) have? Code amount -1. Nothing Q902 P3931 Do you (or anyone in your family living here) currently have any margin loans at a stock brokerage? IF YES, SAY: Please do not include any loans I have already recorded. 1. YES 5. NO --> SKIP TO P6815/Q907A1 Q905 P3932 Altogether, what is the current balance on these margin loans? Code amount ----------------------------------------------------------------------------- ANNUITIES, TRUSTS, AND MANAGED INVESTMENT ACCOUNTS ----------------------------------------------------------------------------- Q907A1 P6815 IN PERSON VERSION: (SHOW CARD 7) Do you (or anyone in your family here) receive income from or have assets in an annuity? Please do not include job pensions. TELEPHONE VERSION: Do you (or anyone in your family here) receive income from or have assets in an annuity? Please do not include job pensions. 1. YES 5. NO --> SKIP TO P6827/Q907A2 Q910A1 P6576 Could you (or your family living here) cash in any of these annuities if you wanted to? That is, do you have an equity interest in any of the annuities? WE DO NOT CARE IF THERE IS A PENALTY FOR CASHING IN THE ANNUITY. 1. YES 5. NO --> SKIP TO P6581/Q921A1 Q911A1 P6577 How much would you receive if you cashed in these annuities? Code amount Q915A1 P6579 Do you (or your family living here) also have annuities which you could not cash in? 1. YES 5. NO Q921A1 P6581 How is the money in (all) the annuities invested? Is all of it in stocks, all of it in interest-earning assets, is it 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 --> SKIP TO P6827/Q907A2 2. ALL IN INTEREST EARNING ASSETS/BONDS --> SKIP TO P6827/Q907A2 3. SPLIT 30. MUTUAL FUND (NOT A PREFERRED RESPONSE) 9. GIC/GUARANTEED INCOME CONTRACT --> SKIP TO P6827/Q907A2 -7. OTHER (SPECIFY) Q1734A1 P6582 About what percent is in stocks? Code percent * 100 Q907A2 P6827 Do you (or anyone in your family here) have income from or have assets in a trust or managed investment account? DO NOT INCLUDE FUNDS IN IRREVOCABLE TRUSTS WHERE R HAS RIGHTS TO NEITHER INCOME NOR ANY OF THE ASSETS. BUT DO INCLUDE CHARITABLE REMAINDER TRUSTS WHERE R HAS LIFETIME INCOME RIGHTS. EXCEPTION: FOR THIS QUESTION, INCLUDEANY SUCH ASSETS THAT WERE REPORTED EARLIER! 1. YES 5. NO --> SKIP TO P4001/Q924 Q908A2M1-A2M3 P6828A-P6830A Are these trusts or managed investment accounts? (CODE ALL THAT APPLY) 1. Legal Trusts 2. Managed investment accounts -7. Other (SPECIFY) IF P6828-P6830/Q908A2M1-M3=LEGAL TRUST THEN ASK: QN17A2 P091026 Did you (or your family living here) set up the trust, or did you receive it from someone else? TREAT DECEASED SPOUSE AS SELF. 1. SELF/FAMILY LIVING THERE 2. ANOTHER PERSON Q798A2 P6583 Does this include any assets I have already recorded? 1. YES 5. NO --> SKIP TO P6586/Q910A2 Q799A2 P6584 Which ones? ________________________________________________ Q800A2 P6585 Besides those, do you (or your family living here) have any other assets in a trust or managed investment account? 1. YES 5. NO --> SKIP TO P4001/Q924 Q910A2 P6586 Could you (or your family living here) cash in any of these accounts if you wanted to? That is, do you have an equity interest in any of them? WE DO NOT CARE IF THERE IS A PENALTY FOR CASHING IN THE ACCOUNT. 1. YES 5. NO IF P6586/Q910A2=NO THEN ASK: (OTHERWISE, SKIP TO P6587/Q911A2) QN18A2 P091027 About what would the current value be for the part of the accounts to which you (or your family living here) have rights? Code amount --> SKIP TO P6591/Q921A2 Q911A2 P6587 How much would you receive if you cashed in these accounts? Code amount Q915A2 P6589 Do you (or your family living here) also have such accounts which you could not cash in? 1. YES 5. NO Q921A2 P6591 How is the money in these accounts invested? Is all of it in stocks, all of it in interest-earning assets, is it 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 --> SKIP TO P4001/Q924 2. ALL IN INTEREST EARNING ASSETS/BONDS --> SKIP TO P4001/Q924 3. SPLIT 30. MUTUAL FUND (NOT A PREFERRED RESPONSE) 9. GIC/GUARANTEED INCOME CONTRACT --> SKIP TO P4001/Q924 -7. OTHER (SPECIFY) Q1734A2 P6592 About what percent is in stocks? Code percent * 100 ----------------------------------------------------------------------------- LIFE INSURANCE ----------------------------------------------------------------------------- Q924 P4001 Do you (or anyone in your family living here) have any life insurance? Please include individual and group policies, but not accident insurance. DO NOT INCLUDE INSURANCE THAT ONLY PAYS IN SPECIAL CIRCUMSTANCES (FOR EXAMPLE, ACCIDENT LIFE INSURANCE). 1. YES 5. NO --> SKIP TO P4017/Q953 Q925 P4002 The two major types of life insurance are term and cash-value policies. Term policies pay a benefit if the insured person dies, but otherwise have no value. They are often provided through an employer or union, but may also be bought by individuals. Cash-value policies also pay a death benefit, but differ in that they build up a value as premiums are paid. Are any of your (family's) policies term insurance? 1. YES 5. NO --> SKIP TO P4005/Q931 DK/REF --> SKIP TO P4004 Q926 P4003 What is the current face value of all the term life policies that you (and your family living here) have? (THE FACE VALUE OF A POLICY IS WHAT THE POLICY WOULD PAY IN THE EVENT OF DEATH) Code amount Q928 P4004 Do you have any policies that build up a cash value or that you can borrow on? These are sometimes called "whole life", "straight life", or "universal life" policies. DO NOT INCLUDE ANY INSURANCE ANNUITIES ALREADY RECORDED. 1. YES 5. NO --> SKIP TO P4017/Q953 Q931 P4005 What is the current face value of all of the policies that build up a cash value? (THE FACE VALUE OF A POLICY IS WHAT THE POLICY WOULD PAY IN THE EVENT OF DEATH.) Code amount Q933 P4006 If you cancelled these policies now, how much would you receive from the insurance company for the payments you have made up to now? That is, what is the current "cash value" of the policies? Code amount -1. Nothing Q935 P4007 Are you borrowing against these policies? Are you or your family borrowing against these policies? 1. YES 5. NO --> SKIP TO P4017/Q953 Q936 P4008 Is the cash value you just gave me the net cash value, that is the total cash value minus the loan, or is it the gross cash value? 1. Net 2. Gross Q937 P4009 Did I record these loans earlier in the interview? 1. YES 5. NO --> SKIP TO P4010/Q940 Q938 P7645 Where did you tell me about these loans? 1. Credit card or store debt 2. Mortgage debt 4. Other home purchase loan 6. Loan for other real estate 7. Line of credit 8. Business loan 9. Vehicle loan 10. Education Loan 11. Other installment loan 12. Margin loan 13. Insurance loan 14. Pension loan -7. Other (SPECIFY) SKIP TO P4017/Q953 Q940 P4010 How much is currently borrowed? Code amount Q942 P4011 Typically how much are the payments on these loans? Code amount -1. Nothing -2. No typical payment Q944 P4012 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 31. Twice a month -7. Other (SPECIFY) ----------------------------------------------------------------------------- MISCELLANEOUS ASSETS AND DEBTS ----------------------------------------------------------------------------- Q953 P4017 We have talked about various types of savings, investments, and loans. Other than what I have already recorded, are you (or anyone in your family living here) owed any money by friends, relatives, businesses, or others? (WE DO NOT WANT TO INCLUDE LOANS BETWEEN FINANCIALLY DEPENDENT FAMILY MEMBERS.) 1. YES 5. NO --> SKIP TO P4019/Q956 Q954 P4018 Altogether, how much are you owed? Code amount IF P4017/Q953=1 THEN ASK: QN19 P091029 What type of loan or investment is this? ________________________________________________ Q956 P4019 Other than pension assets and other such retirement assets, do you (or anyone in your family living here) have any other substantial assets that I haven't already recorded -- for example, artwork, precious metals, antiques, oil and gas leases, futures contracts, future proceeds from a lawsuit or estate that is being settled, royalties, or something else? (DO NOT INCLUDE PENSION-TYPE OR EMPLOYER PROFIT- SHARING ACCOUNTS HERE.) 1. YES 5. NO --> SKIP TO P4031/Q963 Q958A1-Q958A3 P4020(#1) About the most valuable of these ... P4024(#2) What kind of asset is it? P4028(#3) INTERVIEWER: GROUP ONLY SIMILAR ITEMS, STARTING WITH THE MOST VALUABLE GROUP. _____________________________________________ Q960A1-Q960A3 P4022(#1) What is the total dollar value that you (and your family P4026(#2) living here) have in this asset? P4030(#3) Code amount Q962A1-Q962A2 P4023(#1) Do you have any other such substantial assets? P4027(#2) 1. YES --> GO TO NEXT ITERATION 5. NO --> GO TO P4031/Q963 Q963 P4031 Do you owe any other money not recorded earlier? Do you or anyone in your family living here owe any other money not recorded earlier? WE DO NOT WANT TO INCLUDE LOANS BETWEEN FINANCIALLY DEPENDENT FAMILY MEMBERS. DO NOT INCLUDE LOANS AGAINST PENSION ACCOUNTS BELONGING TO R OR SPOUSE. 1. YES 5. NO --> SKIP TO P7196/Q977A1 Q964 P4032 How much is owed? Code amount QN20 P091030 What type of debt is this? ________________________________________________ ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- CURRENT MAIN JOB OF HEAD AND SPOUSE/PARTNER ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- #1 refers to current job information for 2009 respondent #2 refers to current job information for spouse/partner ----------------------------------------------------------------------------- Q977A1/A2 P7196(#1) THE FOLLOWING QUESTIONS ARE ASKING ABOUT THE (RESPONDENT'S/ P7263(#2) [SPOUSE/PARTNER'S]) EMPLOYMENT INTERVIEWER: IF SPOUSE/PARTNER IS PRESENT, TRY TO OBTAIN EMPLOYMENT INFORMATION FROM (HIM/HER) DIRECTLY. INTERVIEWER: WHO IS PROVIDING EMPLOYMENT INFORMATION ABOUT THE (RESPONDENT/[RESPONDENT'S SPOUSE/PARTNER]?) 1. DESIGNATED RESPONDENT 2. SPOUSE/PARTNER Q979A1M1-M9, M12-M14/A2M1-M9, M12-M14 P6670 P6671 P6672 P6673 P6674 P6675 P6676 P6677 P6677A P6677B P6677C P6677D (#1) P6678 P6679 P6680 P6681 P6682 P6683 P6684 P6685 P6685A P6685B P6685C P6685D (#2) IN PERSON VERSION: (SHOW CARD 8) We are interested in your (wife's/partner's) present job status. (Are you/Is [he/she]) working now, temporarily laid off, unemployed and looking for work, on sick leave, disabled and unable to work, retired, a student, a homemaker, or something else? IF R HAS MULTIPLE JOBS, RECORD THE ONE MOST IMPORTANT TO R HERE AND CODE THE OTHER LATER AS A SECOND JOB. CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN TELEPHONE VERSION: We are interested in your (wife's/partner's) present job status. (Are you/Is [he/she]) working now, temporarily laid off, unemployed and looking for work, on sick leave, disabled and unable to work, retired, a student, a homemaker, or something else? IF R HAS MULTIPLE JOBS, RECORD THE ONE MOST IMPORTANT TO R HERE AND CODE THE OTHER LATER AS A SECOND JOB. CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN 1. WORKING NOW/SELF-EMPLOYED 2. TEMPORARILY LAID OFF 3. UNEMPLOYED AND LOOKING FOR WORK 4. STUDENT 5. HOMEMAKER 6. DISABLED 7. RETIRED (FULL, PARTIAL, OR TEMPORARY) 8. ON SICK LEAVE OR MATERNITY LEAVE 10. VOLUNTEER WORK 11. ON VACATION/OTHER LEAVE OF ABSENCE 15. ON STRIKE 16. OTHER NOT WORKING AND NOT LOOKING FOR WORK NOTE: CARD 11 contains the following text in a vertical column: "Working now or on strike," "Temporarily laid off; on sick leave or other type of leave," "Unemployed and looking for work," "Student," "Homemaker," "Disabled," "Retired," "Other." CRITICAL VARIABLE: If the work status of the (R/SP) is answered "don't know" or "refuse," the following text appears in CAPI: ATTENTION: Work experience is a critical detail in this interview. Without this information, it would be wasting your time to go on with the interview. I will terminate the interview at this point and I would like to thank you for your time. TERMINATE INTERVIEW GO BACK AND CHANGE WORK STATUS ********************************************************* IF P6670-P6677/P6678-P6685 (Q979A1/A2)=TEMPORARILY LAID OFF/ON STRIKE/SICK LEAVE and no iteration of Q979=WORKING, THEN ASK: Q981A1/A2 P4101(#1) (Do you/Does [he/she]) expect to go back to this job? P4701(#2) INTERVIEWER: IF R IS EXPECTING TO GO BACK TO A JOB, CODE YES. 1. YES 5. NO IF P6670-P6677/P6678-P6685 (Q979A1/A2)=TEMPORARILY LAID OFF/ON STRIKE/SICK LEAVE & P4101/P4701 (Q981A1/A2)=YES and no iteration of Q979=WORKING, THEN ASK: Q982A1/A2 P4102(#1) When did (you/[he/she]) last work on this job? P4702(#2) Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December Q983A1/A2 P4103(#1) Code year (4 digits) P4703(#2) IF P6670-P6677/P6678-P6685 (Q979A1/A2)=RETIRED/DISABLED, THEN ASK: Q985A1/A2 P4104A(#1) When did (you/your wife/partner) (retire/become disabled)? P4704A(#2) 1. ENTER YEAR 2. ENTER "AT AGE" 3. ENTER "NUMBER OF YEARS AGO" Q986A1/A2 P4104(#1) Code year (4 digits) P4704(#2) Q987A1/A2 P7197(#1) Code age P7264(#2) -1. Disabled since birth Q988A1/A2 P7198(#1) Code number of years past P7265(#2) -1. 2009 IF P6670-P6677/P6678-P6685 (Q979A1/A2) NOT=UNEMPLOYED AND LOOKING FOR WORK, THEN ASK: Q1604A1/A2 P6780(#1) At any time during the past twelve months, were you P6784(#2) unemployed and looking for work? At any time during the past twelve months, was (he/she) unemployed and looking for work? 1. YES 5. NO --> SKIP TO P4105/P4705 (Q989A1/A2) INSTRUCTION IF P6670-P6677/P6678-P6685 (Q979A1/A2)=UNEMPLOYED AND LOOKING FOR WORK, OR P6780/P6784 (Q1604A1/A2)=YES, THEN ASK: Q1605A1/A2 P6781(#1) Over (this period/the past twelve months), how many weeks in P6785(#2) total (were you/was [he/she]) unemployed and looking for work? Code number of weeks IF P6670-P6677/P6678-P6685 (Q979A1/A2) NOT=WORKING AND P4101/P4701 (Q981A1/A2) NOT=YES, THEN ASK: Q989A1/A2 P4105(#1) (Are you/Is [he/she]) doing any work for pay at the present P4705(#2) time? INTERVIEWER: IF R IS EXPECTING TO GO BACK TO A JOB, CODE YES. IF R IS DOING SUBSTANTIAL VOLUNTEER WORK WITH REGULAR HOURS, TREAT THIS AS WORKING. 1. YES 5. NO QR1A1/A2 P091101(#1) P091701(#2) CHECKPOINT: WORK STATUS 1. WORKING 2. NOT WORKING --> SKIP TO P4617/P5217 (Q1262A1/A2) Q990A1/A2 P4106(#1) Next are some questions about your (wife's/partner's) P4706(#2) current, main job. (Do you/Does [he/she]) work for someone else, (are you/is [he/she]) self-employed, or something else? IF (R/SP) IS BOTH SELF-EMPLOYED AND WORKS FOR SOMEONE ELSE, SELECT THE ONE (R/SP) WORKS FOR THE MOST. TREAT THE OTHER WORK AS A SECOND JOB LATER IN THIS SECTION. CODE "OTHER" ONLY IF NO OTHER CATEGORY APPLIES AT ALL. 1. Someone else --> SKIP TO P7402/P7412 (Q994A1/A2) 2. Self-employed 3. PARTNERSHIP 4. CONSULTANT/CONTRACTOR -7. OTHER (SPECIFY) IF P4106/P4706 (Q990A1/A2)= 2, 3, 4 or -7 AND P3105/Q486 NOT ANSWERED, THEN ASK: (OTHERWISE, SKIP TO P7402/P7412 (Q994A1/A2) Q5809aA1/aA2 P7092(#1) Earlier you said {you do not work in a business that you P7096(#2) and your family living here own/(you do/[your wife/husband /partner does]) not have a business}. Does (your/[your husband's/wife's/partner's]) share of the place where {(you are/[he/she is] self employed)/(you work/[he/she works] in a partnership)} have a net value? 1. YES 5. NO --> SKIP TO P7402/P7412 (Q994A1/A2) Q5809A1/A2 P7093(#1) How much is {your/[your(husband's/wife's/partner's)]} P7097(#2) share worth? Code amount -1. Nothing Q5829A1/A2 P7094(#1) What share of this business [do you/does (your wife/ P7098(#2) husband/partner)] own? Code share * 100 Q994A1/A2 P7402(#1) What kind of business or industry (do you/does your P7412(#2) [wife/partner]) work in -- that is, what do they make or do at the place where (you/[he/she]) work(s)? Code Census 2008 4-digit industry codes Q992A1/A2 and Q993A1/A2 P7401(#1) What is the official title of your (wife's/partner's) job? P7411(#2) (The title that (your/her/his) employer uses?) PROBE: Is that the full title? What sort of work (do you/does [he/she]) do on (your/her/his) job? (Tell me little more about what (you do/[he/she] does).) Code Census 2008 4-digit occupation codes Q995A1/A2 P4110(#1) How many hours (do you/does [he/she]) work on P4710(#2) (your/her/his) main job in a normal week? (NOT SELF-EMPLOYED) How many hours (do you/does [he/she]) work in this business in a normal week? (SELF-EMPLOYED) RECORD THE NUMBER OF HOURS (R/SP) WORKS IN A NORMAL WEEK, NOT THE OFFICIAL NUMBER OF HOURS (R/SP) IS PAID TO WORK. Code number of hours Q996A1/A2 P4111(#1) INTERVIEWER: READ SLOWLY P4711(#2) Counting paid vacations as weeks of work, how many weeks (do you/does your [wife/partner]) work on this job in a normal year? WEEKS FOR WORK PLUS PAID VACATIONS AND SICK LEAVE. Code number of weeks IF P4106/P4706 (Q991A1/A2)=2, 3, 4 or -7 THEN ASK: Q1025A1/A2 P4125(#1) How (are you/is [he/she]) paid? (Are you/Is [he/she]) paid P4725(#2) a regular salary or wages? 1. YES 5. NO --> SKIP TO P4127/P4727 (Q1030A1/Q1030A2) Q997A1/A2 P4112(#1) About how much (do you/does [he/she]) earn before taxes P4712(#2) on (your/her/his) main job? (NOT SELF-EMPLOYED) INCLUDE NORMAL OVERTIME, BONUSES, AND TIPS. IF WAGE IS HOURLY, ENTER DOLLARS AND CENTS. CONFIRMATION SCREEN WILL ONLY SHOW DOLLARS. How much in salary or wages (are you/is [he/she]) paid before taxes? (SELF-EMPLOYED) Code amount -1. Nothing Q999A1/A2 P4113(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. P4713(#2) (And that amount is per...?) Code frequency 1. Day 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 14. By the job/piece 18. Hour 31. Twice a month -1. Nothing -7. Other (SPECIFY) IF P4112/P4712 (Q997A1/A2)=NOTHING OR P4113/P4713 (Q999A1/A2)=BY THE JOB/PIECE OR LUMP SUM/ONE PAYMENT ONLY, ASK: ELSE SKIP TO CHECKPOINT BELOW QR2A1/A2 P091102(#1) P091702(#2) In total, how much did (you/[he/she]) get in 2008? Code amount QR3A1/A2 P091103(#1) P091703(#2) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And how often (do you/does [he/she]) receive that amount?) Code frequency 1. Day 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 14. By the job/piece 18. Hour 31. Twice a month -7. Other (SPECIFY) QR4A1/A2 P091104(#1) P091704(#2) CHECKPOINT: SELF-EMPLOYED 1. SELF-EMPLOYED 2. NOT SELF-EMPLOYED --> SKIP TO P6797/P6798 (Q1612A1/A2) Q1030A1/A2 P4127(#1) (Do you/Does [he/she]) (also) receive a portion of the net P4727(#2) earnings, or some other kind of income? 1. YES 5. NO --> SKIP TO P6797/P6798 (Q1621A1/A2) Q1031A1/A2 P4131(#1) (In addition to regular salary, how/How) much (do you/does P4731(#2) [he/she]) personally receive from the business before taxes? Code amount -1. Nothing Q1033A1/A2 P4132(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. P4732(#2) (And how often (do you/does [he/she]) receive that amount?) Code frequency 1. Day 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 14. By the job/piece 18. Hour 31. Twice a month -7. Other (SPECIFY) IF P4131/P4731 (Q1031A1/A2)=NOTHING OR P4132/P4732 (Q1033A1/A2)=BY THE JOB/PIECE OR LUMP SUM/ONE PAYMENT ONLY, ASK: QR5A1/A2 P091105(#1) P091705(#2) In total, how much did (you/[he/she]) get in 2008? Code amount QR6A1/A2 P091106(#1) P091706(#2) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And how often (do you/does [he/she]) receive that amount?) Code frequency 1. Day 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 14. By the job/piece 18. Hour 31. Twice a month -7. Other (SPECIFY) IF (Q990/P4106=(2, 3, 4, -7)) THEN SKIP TO P4114/P4714 (Q1003A1/A2) Q1612A1/A2 P6797(#1) Some employers give their employees financial options that P6798(#2) can be used to purchase company stock at a later time. During the past year, has your (wife/partner)'s current employer given (him/her) any of these, either as a regular part of (his/her) compensation, or as a bonus? DO NOT INCLUDE DIRECT TRANSFERS OF STOCK, OR PENSION ARRANGEMENTS. 1. YES 5. NO Q1003A1/A2 P4114(#1) About how many employees work for this company or P4714(#2) organization, including all locations? (PROBE: Is it fewer than 10, 10 to 19, 20 to 99, 100 to 499, or 500 or more?) 1. Less than 10 2. 10 to 19 3. 20 to 99 4. 100 to 499 5. 500 or MORE How many years in total (have you/has [he/she]) worked (for this employer/in this business)? (CODE LESS THAN ONE YEAR AS ZERO YEARS) INCLUDE ALL YEARS WITH CURRENT EMPLOYER, EVEN IF IN SEVERAL SPELLS. Q1004A1/A2 P4115A(#1) P4715A(#1) 1. ENTER NUMBER OF YEARS 2. ENTER "SINCE AGE" 3. ENTER "SINCE YEAR" Q1005A1/A2 P4115(#1) Code number of years P4715(#2) -1. Less than one year Q1006A1/A2 P7199(#1) Code age P7266(#2) Q1007A1/A2 P7679(#1) Code year (4 digits) P7706(#2) How many years (do you/does [he/she]) expect to continue working (for this employer/in this business)? (RECORD LESS THAN ONE YEAR AS 00) Q1008A1/A2 P4116A(#1) P4716A(#1) 1. ENTER NUMBER OF YEARS 2. ENTER "UNTIL AGE" 3. ENTER "UNTIL YEAR" -2. NEVER STOP Q1009A1/A2 P4116(#1) Code number of years P4716(#2) -1. Less than a year -2. NEVER STOP Q1010A1/A2 P7680(#1) Code age P7707(#2) -2. NEVER STOP Q1584A1/A2 P7200(#1) Code year (4 digits) P7267(#2) -2. NEVER STOP ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- PENSION FOR HEAD AND SPOUSE/PARTNER FROM CURRENT MAIN JOB ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Q1039A1/A2 P4135(#1) IN PERSON VERSION: P4735(#2) (SHOW CARD 7) NOT SELF-EMPLOYED: (Are you/Is [he/she]) included in any pension, retirement, or tax-deferred savings plans connected with the job you just told me about? Please do not include any assets I have already recorded. DO NOT INCLUDE SOCIAL SECURITY, PLANS CONNECTED ONLY WITH EARLIER JOBS, OR PLANS FROM WHICH R/SP IS CURRENTLY RECEIVING RETIREMENT PAYMENTS. THESE ARE RECORDED LATER IN THE INTERVIEW. INTERVIEWER: IF R MENTIONS IRA (OTHER THAN SEP IRA OR SIMPLE IRA) OR KEOGH PLANS, MAKE A NOTE AND SAY: "We covered those earlier in the interview. Here, I just want to find out about other plans operated through your (husband/wife/partner)'s employer." SELF-EMPLOYED: Aside from IRA or KEOGH plans, (are you/is [he/she]) included in any pension, retirement, or tax-deferred savings plans connected with the job you just told me about? Please do not include any assets I have already recorded. (Are you/Is [he/she]) included in any pension, retirement, or tax-deferred savings plans connected with the job you just told me about? Please do not include any assets I have already recorded. INCLUDE PLANS THROUGH A UNION. DO NOT INCLUDE SOCIAL SECURITY, PLANS CONNECTED ONLY WITH EARLIER JOBS, OR PLANS FROM WHICH R/SP IS CURRENTLY RECEIVING RETIREMENT PAYMENTS. THESE ARE RECORDED LATER IN THE INTERVIEW. 1. YES 5. NO --> SKIP TO P4501/P5101 (Q1135A1/A2) Q1046A1/A2 P4139(#1) In how many different plans of this sort (are you/is P4739(#2) [he/she]) included on this job? QR7A1/A2 P091107(#1) P091707(#2) There are two general types of pension plans. In one type, a worker is entitled to receive regular retirement payments for as long as the worker lives, which are most often determined by a formula as a percentage of final or average pay. In the other type of plan, money accumulates in an account designated for the worker, such as a 401(k), and that money may be paid out in a variety of ways depending on the plan or the worker's choice. Some plans may be like both of these types. Is there any type of account balance associated with ([your/his/her] plans/any of [your/his/her] pension plans)? 1. YES 5. NO --> SKIP TO P091118/P091718 (QR18aA1/aA2) QR8A1/A2 P091108(#1) P091708(#2) What is the (total) balance of (all these/this) pension account(s) now? Code amount QR9A1/A2 P091109(#1) P091709(#2) (Do you/Does [he/she]) currently have a loan against (any of these plans/this plan)? 1. YES 5. NO --> SKIP TO P091115/P091715 (QR15A1/A2) QR10A1/A2 P091110(#1) P091710(#2) Is the balance you reported net of the loan amount? 1. NET 5. GROSS QR11A1/A2 P091111(#1) P091711(#2) What is the current loan balance? Code amount QR12A1/A2 P091112(#1) P091712(#2) How much are the payments? Code amount -1. NOTHING -2. *NO TYPICAL PAYMENTS QR13A1/A2 P091113(#1) P091713(#2) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) Code frequency 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 31. Twice a month -7. Other (SPECIFY) QR14A1/A2 P091114(#1) P091714(#2) For what purpose did (you/he/she) borrow this money? (What was the main purpose?) _______________________________________ QR15A1/A2 P091115(#1) P091715(#2) How is the money in (this/these) account(s) invested? Is it all in stocks, all in interest-earning assets, is it 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 --> SKIP TO P091117/P091717 (QR17A1/A2) 2. ALL IN INTEREST EARNING ASSETS/BONDS --> SKIP TO P091117/P091717 (QR17A1/A2) 3. SPLIT 30. MUTUAL FUND (NOT A PREFERRED RESPONSE) 9. GIC/guaranteed income contract --> SKIP TO P091117/P091717(QR17A1/A2) -7. OTHER (SPECIFY) --> SKIP TO QR17 QR16A1/A2 P091116(#1) P091716(#2) About what percent of it is in stocks? Code percent * 100 QR17A1/A2 P091117(#1) P091717(#2) IF P091107/P091707 (QR7A1/A2)=YES AND IF P4139/P4739 (Q1046A1/A2) >1 PLAN (OR DK/REF NUMBER): (Do you/Does [he/she]) also have a plan that does not have an account balance? 1. YES 5. NO How long (have you/has your[husband/wife/partner]) been in (this plan/any of these plans)? CODE ZERO FOR CURRENT YEAR. QR18aA1/A2 P091118A P091718A 1. ENTER NUMBER OF YEARS 2. ENTER "SINCE AGE" 3. ENTER "SINCE YEAR" QR18A1/A2 P091118(#1) P091718(#2) Code number of years -1. Less than a year QR19A1/A2 P091119(#1) P091719(#2) Code age QR20A1/A2 P091120(#1) P091720(#2) Code year (4 digits) At what age (do you/does [he/she]) expect to receive or start receiving any money from (this plan/any of these plans)? QR21aA1/A2 P091121A P091721A 2. ENTER "AT AGE" 3. ENTER IN NUMBER OF YEARS 4. ENTER "IN YEAR" 5. DOES NOT PLAN TO RETIRE/LEAVE ACCOUNT TO ESTATE -2. NEVER QR21A1/A2 P091121(#1) P091721(#2) Code age -2. NEVER -3. Leave to estate/Does not plan to retire QR22A1/A2 P091122(#1) P091722(#2) Code number of years -1. Less than a year -2. NEVER -3. Leave to estate/Does not plan to retire QR23A1/A2 P091123(#1) P091723(#2) Code year (4 digits) -2. NEVER -3. Leave to estate/Does not plan to retire ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- SECOND JOB OF HEAD AND SPOUSE/PARTNER ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- #1 refers to second job of head #2 refers to second job of spouse/partner ----------------------------------------------------------------------------- Q1135A1/A2 P4501(#1) Other than (your/your [husband's/wife's/partner's]) main P5101(#2) job, (are you/is [he/she]) doing any work for pay now, such as a second job, the military services, or (another) business of (your/her/his) own? 1. YES 5. NO --> SKIP TO P4511/P5111 (Q1144A1/A2) Q1136A1M1-M4/A2M1-M4 P4502A P4503A P4504A P4505A (#1) P5102A P5103A P5104A P5105A (#2) Is this a second job, the military services, your (husband/wife/partner)'s own business, or something else? (CODE ALL THAT APPLY) 1. Second job 2. Military 3. Business -7. Other (SPECIFY) Q1138A1/A2 P4507(#1) How many hours (do you/does [he/she]) work on (this P5107(#2) job/these jobs) in a normal week? Code number -1. None Q1139A1/A2 P4508(#1) Counting paid vacations as weeks of work, how many weeks P5108(#2) (do you/does [he/she]) work on (this job/these jobs) in a normal year? Code number Q1140A1/A2 P4509(#1) About how much (do you/does [he/she]) earn before taxes P5109(#2) from (this other job/these other jobs)? Code amount -1. Nothing Q1142A1/A2 P4510(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. P5110(#2) (And that amount is per...?) Code frequency 1. Day 2. Week 3. Every two weeks 4. Month 5. Quarter 6. Year 11. Twice per year 18. Hour 31. Twice a month -7. Other (SPECIFY) Q1144A1/A2 P4511(#1) Thinking about all your (husband/wife/partner)'s current P5111(#2) work for pay, (do you/does [he/she]) consider (yourself/herself/himself) to be working full-time or part-time? IF R IS LAID OFF OR A SEASONAL WORKER, ASK ABOUT "JOBS WHEN R IS WORKING". 1. Full-time 2. Part-time --> SKIP TO P4543/P5143 (Q1215A1/A2) IF WORKING FULL-TIME NOW, P4511/P5111 (Q1144A1/A2)=1: Q1169A1/A2 P4524A(#1) Thinking now of the future, in what year or at what age P5124A(#2) (do you/does your [husband/wife/partner]) expect to stop working full-time? 1. ENTER YEAR 2. ENTER "AGE" 3. ENTER "IN NUMBER OF YEARS" -2. NEVER STOP DK --> SKIP TO P4526A/P5126A (Q1176A1/A2) REF --> SKIP TO P4526A/P5126A (Q1176A1/A2) Q1170A1/A2 P7237(#1) Code year (4-digits) P7304(#2) -2. NEVER STOP --> SKIP TO P091124/QR24 DK --> SKIP TO P4526A/P5126A (Q1176A1/A2) REF --> SKIP TO P4526A/P5126A (Q1176A1/A2) Q1171A1/A2 P7728(#1) Code age P7727(#2) -2. NEVER STOP --> SKIP TO P091124/QR24 DK --> SKIP TO P4526A/P5126A (Q1176A1/A2) REF --> SKIP TO P4526A/P5126A (Q1176A1/A2) Q1172A1/A2 P4524(#1) Code number of years P5124(#2) -1. Less than a year -2. NEVER STOP --> SKIP TO P091124/QR24 DK --> SKIP TO P4526A/P5126A (Q1176A1/A2) REF --> SKIP TO P4526A/P5126A (Q1176A1/A2) Q1174A1/A2 P4525(#1) (Do you/Does [he/she]) expect to work part-time after that? P5125(#2) 1. YES 5. NO --> SKIP TO P091124/QR24 In what year (do you/does [he/she]) expect to stop working altogether? Q1176A1/A2 P4526A(#1) P5126A(#2) 1. ENTER YEAR 2. ENTER "AT AGE" 3. ENTER "IN NUMBER OF YEARS" -2. NEVER STOP Q1177A1/A2 P7238(#1) Code year (4 digits) P7305 (#2) -2. NEVER STOP Q1178A1/A2 P7700(#1) Code age P7729(#2) -2. NEVER STOP Q1179A1/A2 P4526(#1) Code number of years P5126(#2) -1. Less than a year -2. NEVER STOP SKIP TO P091124/QR24 IF WORKING PART-TIME NOW, P4511/P5111 (Q1144A1/A2)=2: Q1215A1/A2 P4543(#1) Thinking now of the future, (do you/does your P5143(#2) [husband/wife/partner]) expect to do any full-time work for pay? 1. YES 5. NO --> SKIP TO P4546A/P5146A (Q1226A1/A2) In what year (do you/does [he/she]) expect to start working full-time? Q1216A1/A2 P4544A(#1) P5144A(#2) 1. ENTER YEAR 2. ENTER "AT AGE" 3. ENTER "IN NUMBER OF YEARS" Q1217A1/A2 P7247(#1) Code year (4 digits) P7314(#2) Q1218A1/A2 P7248(#1) Code age P7315(#2) Q1219A1/A2 P4544(#1) Code number of years P5144(#2) -1. Less than a year In what year (do you/does [he/she]) expect to stop working full-time? Q1221A1/A2 P4545A(#1) P5145A(#2) 1. ENTER YEAR 2. ENTER "AT AGE" 3. ENTER "IN NUMBER OF YEARS" -2. NEVER STOP Q1222A1/A2 P7249(#1) Code year (4 digits) P7316(#2) -2. NEVER STOP --> SKIP TO P091124/QR24 Q1223A1/A2 P7701(#1) Code age P7730(#2) -2. NEVER STOP --> SKIP TO P091124/QR24 Q1224A1/A2 P4545(#1) Code number of years P5145(#2) -1. Less than a year -2. NEVER STOP --> SKIP TO P091124/QR24 In what year (do you/does [he/she]) expect to stop working for pay altogether? Q1226A1/A2 P4546A(#1) P5146A(#2) 1. ENTER YEAR 2. ENTER "AT AGE" 3. ENTER "IN NUMBER OF YEARS" -2. NEVER STOP Q1227A1/A2 P7250(#1) Code year (4 digits) P7317(#2) -2. NEVER STOP Q1228A1/A2 P7702(#1) Code age P7731(#2) -2. NEVER STOP Q1229A1/A2 P4546(#1) Code number of years P5146(#2) -1. Less than a year -2. NEVER STOP SKIP TO P091124/QR24 IF NOT WORKING NOW, P091101/P091701 (QR1A1/A2=2): Q1262A1/A2 P4617(#1) (Do you/Does [he/she]) expect to work for pay in the future? P5217(#2) 1. YES 5. NO --> ITERATION #1 (for R) - IF S/P IS PART OF PEU SKIP TO P091124/Q977A2 ELSE SKIP TO P091124/QR24 ITERATION #2 (for S/P) - SKIP TO P091124/QR24 In what year (do you/does your [husband/wife/partner]) expect to start working? Q1263A1/A2 P4618A(#1) P5218A(#2) 1. ENTER YEAR 2. ENTER "AT AGE" 3. ENTER "IN NUMBER OF YEARS" Q1264A1/A2 P7257(#1) Code year (4 digits) P7324(#2) Q1265A1/A2 P7258(#1) Code age P7325(#2) Q1266A1/A2 P4618(#1) Code number of years P5218(#2) -1. Less than a year Q1268A1/A2 P4619(#1) Will any of that be full-time work? P5219(#2) 1. YES 5. NO --> SKIP TO P4622A/P5222A (Q1280A1/A2) In what year (do you/does [he/she]) expect to start working full-time? Q1270A1/A2 P4620A(#1) P5220A(#2) 1. ENTER YEAR 2. ENTER "AT AGE" 3. ENTER "IN NUMBER OF YEARS" Q1271A1/A2 P7259(#1) Code year (4 digits) P7326(#2) Q1272A1/A2 P7260(#1) Code age P7327(#2) Q1273A1/A2 P4620(#1) Code number of years P5220(#2) -1. Less than a year In what year (do you/does [he/she]) expect to stop working full-time? Q1275A1/A2 P4621A(#1) P5221A(#2) 1. ENTER YEAR 2. ENTER "AT AGE" 3. ENTER "IN NUMBER OF YEARS" -2. NEVER STOP Q1276A1/A2 P7261(#1) Code year (4 digits) P7328(#2) -2. NEVER STOP --> SKIP TO P091124/QR24 Q1277A1/A2 P7703(#1) Code age P7732(#2) -2. NEVER STOP --> SKIP TO P091124/QR24 Q1278A1/A2 P4621(#1) Code number of years P5221(#2) -1. Less than a year -2. NEVER STOP --> SKIP TO P091124/QR24 In what year (do you/does [he/she]) expect to stop working for pay altogether? Q1280A1/A2 P4622A(#1) P5222A(#2) 1. ENTER YEAR 2. ENTER "AT AGE" 3. ENTER "IN NUMBER OF YEARS" -2. NEVER STOP Q1281A1/A2 P7262(#2) Code year P7329(#2) -2. NEVER STOP Q1282A1/A2 P7704(#1) Code age P7733(#1) -2. NEVER STOP Q1283A1/A2 P4622(#1) Code number of years P5222(#2) -1. Less than a year -2. NEVER STOP ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- CURRENT PENSION BENEFITS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- IF Q997A2=SPOUSE/PARTNER: SPOUSE/PARTNER ANSWERED OWN EMPLOYMENT QUESTIONS. RETURN TO THE DESIGNATED RESPONDENT NOW. QR24 P091124 IF NO CURRENT JOB FOR R OR S/P: Aside from Social Security and anything else I have already recorded, are you (or your [husband/wife/partner]) covered by any other retirement plans or pensions from past jobs? IF CURRENT JOB FOR R OR S/P: Aside from Social Security and anything else I have already recorded, are you (or your [husband/wife/partner]) covered by any other retirement plans or pensions from current or past jobs? INCLUDE PLANS FROM WHICH BENEFITS ARE CURRENTLY BEING RECEIVED, AS WELL AS PLANS TO WHICH RIGHTS HAVE ALREADY BEEN EARNED BUT NO BENEFITS ARE YET BEING PAID. 1. YES 5. NO --> SKIP TO P5701/Q1351A1 QR25 P091125 How many such plans do you (or your [husband/wife/partner]) have? Code number QR26 P091126 There are two general types of pension plans. In one type, a worker is entitled to receive regular retirement payments for as long as the worker lives, which are most often determined by a formula as a percentage of final or average pay. In the other type of plan, money accumulates in an account designated for the worker, such as a 401(k), and that money may be paid out in a variety of ways depending on the plan or the worker's choice. Some plans may be like both of these types. Is there any type of account balance associated with (this pension plan/these pension plans)? 1. YES 5. NO --> SKIP TO P5701/Q1351A1 QR27 P091127 What is the (total) balance of (all these/this) pension account(s) now? Code amount QR28 P091128 How is it invested? Is it all in stocks, all in interest-earning assets, is it 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 --> SKIP TO P091130/QR30 2. ALL IN INTEREST EARNING ASSETS/BONDS --> SKIP TO P091130/QR30 3. SPLIT 30. MUTUAL FUND (NOT A PREFERRED RESPONSE) 9. GIC/guaranteed income contract --> SKIP TO P091130/QR30 -7. OTHER (SPECIFY) --> SKIP TO QR30 QR29 P091129 About what percent of it is in stocks? Code percent * 100 QR30 P091130 Did (you/anyone) take any withdrawals from (this/these) account(s) in 2008? 1. YES 5. NO --> SKIP TO P091132/QR32 QR31 P091131 How much in total was withdrawn in 2008? Code amount QR32 P091132 IF YES-ACCOUNT AND IF >1 PLAN (OR DK/REF NUMBER): Do you (or your [husband/wife/[partner]) also have a plan that does not have an account balance? 1. YES 5. NO ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- INCOME, SUPPORT, ALIMONY ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- We have covered many sources of income in this interview. Because of the importance of income in this study, we would like to make sure we have the best overview of the sources of income you (and your family living here) received in 2008. Q1351A1 P5701 Did you (or anyone else) have income from wages and salaries? IRS FORM 1040 LINE NUMBER: 7 WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME. 1. YES 5. NO --> SKIP TO P5703/Q1351A2 Q1353A1 P5702 In total, what was your (family's) annual income from wages and salaries in 2008, before deductions for taxes and anything else? INCLUDE OVERTIME, BONUSES, AND TIPS. IRS FORM 1040 LINE NUMBER: 7 Code amount Q1351A2 P5703 (Other than wages or salaries, did/Did) you (or anyone else) have income or losses from a sole proprietorship or a farm in 2008, before deductions for taxes and anything else? IRS FORM 1040 LINE NUMBER: 12,18 PROBE IF NECESSARY: DID YOU FILE EITHER A SCHEDULE C OR F? WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME. 1. YES 5. NO --> SKIP TO P5705/Q1351A3 Q1353A2 P5704 In total, what was your (family's) net annual income from a sole proprietorship or a farm in 2008, before deductions for taxes and anything else? IRS FORM 1040 LINE NUMBER: 12,18 Code amount -1. Nothing Q1351A3 P5705 Did you (or anyone else) have income from non-taxable investments such as municipal bonds? IRS FORM 1040 LINE NUMBER: 8b WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME. 1. YES 5. NO --> SKIP TO P5707/Q1351A4 Q1353A3 P5706 In total, what was your (family's) annual income from non-taxable investments such as municipal bonds in 2008, before deductions for taxes and anything else? IRS FORM 1040 LINE NUMBER: 8b Code amount Q1351A4 P5707 Did you (or anyone else) have any other interest income? IRS FORM 1040 LINE NUMBER: 8a WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME. 1. YES 5. NO --> SKIP TO P5709/Q1351A5 Q1353A4 P5708 In total, what was your (family's) annual income from other interest in 2008, before deductions for taxes and anything else? IRS FORM 1040 LINE NUMBER: 8a Code amount Q1351A5 P5709 Did you (or anyone else) have income from dividends? IRS FORM 1040 LINE NUMBER: 9a WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME. 1. YES 5. NO --> SKIP TO P5711/Q1351A6 Q1353A5 P5710 In total, what was your (family's) annual income from dividends in 2008, before deductions for taxes and anything else? IRS FORM 1040 LINE NUMBER: 9a Code amount Q1351A6 P5711 Did you (or anyone else) have income or losses from net gains or losses from the sale of stocks, bonds, or real estate? IRS FORM 1040 LINE NUMBER: 13, 14 WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME. 1. YES 5. NO --> SKIP TO P5713/Q1351A7 Q1353A6 P5712 In total, what was your (family's) annual income from net gains or losses from mutual funds or from the sale of stocks, bonds, or real estate in 2008, before deductions for taxes and anything else? IRS FORM 1040 LINE NUMBER: 13, 14 Code amount -1. Nothing Q1351A7 P5713 Did you (or anyone else) have income from other businesses or investments, net rent, trusts, or royalties? IRS FORM 1040 LINE NUMBER: 17 PROBE IF NECESSARY: DID YOU FILE A SCHEDULE E? WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME. 1. YES 5. NO --> SKIP TO P5715/Q1351A8 Q1353A7 P5714 In total, what was your (family's) annual income from other businesses or investments, net rent, trusts, or royalties in 2008, before deductions for taxes and anything else? IRS FORM 1040 LINE NUMBER: 17 Code amount -1. Nothing Q1351A8 P5715 Did you (or anyone else) have income from unemployment or worker's compensation? IRS FORM 1040 LINE NUMBER: 19 WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME. 1. YES 5. NO --> SKIP TO P5717/Q1351A9 Q1353A8 P5716 In total, what was your (family's) annual income from unemployment or worker's compensation in 2008, before deductions for taxes and anything else? IRS FORM 1040 LINE NUMBER: 19 Code amount Q1351A9 P5717 Did you (or anyone else) have income from child support or alimony which you or your family here received? IRS FORM 1040 LINE NUMBER: 11 WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME. 1. YES 5. NO --> SKIP TO P5721/Q1351A10 Q1353A9 P5718 In total, what was your (family's) annual income from child support or alimony which you or your family here received in 2008, before deductions for taxes and anything else? IRS FORM 1040 LINE NUMBER: 11 Code amount Q1351A10 P5721 Did you (or anyone else) have income from Social Security or other pensions, annuities, or other disability or retirement programs? IRS FORM 1040 LINE NUMBER: 16a,20a DO NOT INCLUDE PENSION ACCOUNT OR IRA WITHDRAWALS REPORTED EARLIER. DO NOT INCLUDE SSI(SUPPLEMENTAL SECURITY INCOME): THIS IS COVERED IN THE NEXT QUESTION. WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME. 1. YES 5. NO --> SKIP TO P5719/Q1351A11 Q1353A10 P5722 (Including the retirement income you told me about, in/In) total, what was your (family's) net income from Social Security or other pensions, annuities, or other disability or retirement programs in 2008, before deductions for taxes and anything else? (Please do not include withdrawals from IRAS, 401(k)s and other such retirement accounts.) IRS FORM 1040 LINE NUMBER: 16a,20a Code amount Q1351A11 P5719 Did you (or anyone else) have income from TANF, food stamps, or other forms of welfare or assistance such as SSI? WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME. 1. YES 5. NO --> SKIP TO P5723/Q1351A12 Q1353A11 P5720 In total, what was your (family's) annual income from TANF, food stamps, or other forms of welfare or assistance such as SSI in 2008, before deductions for taxes and anything else? Code amount Q1351A12 P5723 Did you (or anyone else) have income from any other sources? IRS FORM 1040 LINE NUMBERS: 10 AND 21 DO NOT INCLUDE PENSION ACCOUNT OR IRA WITHDRAWLAS REPORTED EARLIER. WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME. 1. YES 5. NO --> SKIP TO P091201/QT1 Q1352A12 P5725 What other sources? ____________________________________________ Q1353A12 P5724 (Other than withdrawals from account-type pensions or IRAs you told me about earlier in the interview, in/In) total, what was your (family's) annual income from any other sources in 2008, before deductions for taxes and anything else? IRS FORM 1040 LINE NUMBERS:10 AND 21 Code amount QT1 P091201 CHECKPOINT: 1. NO VARIABLES IN ANY ITERATION OF Q1353A CONTAIN DK/REF/RANGE 2. OTHERWISE --> SKIP TO P5729/Q1355 Q1581 P7361 I would like to confirm that your (family's) total 2008 income from all sources was {P5702/Q1353A1+++P5724/Q1353A12}. IF P091006/QN6=1 OR P091130/QR30=1 THEN ASK: THIS SHOULD BE TOTAL INCOME (LINE 22 OF FORM 1040) MINUS WITHDRAWALS FROM AN IRA, KEOUGH OR PENSION ACCOUNT. Is that correct? ELSE ASK: Is that correct? 1. YES --> SKIP TO P7650/Q1357 5. NO --> EDIT CHECK ASKING IF EACH $ AMOUNT ENTERED IS CORRECT, THEN SKIP TO P7650/Q1357 Q1355 P5729 What would be the correct total? How much was the total income you received in 2008 from all sources, before taxes and other deductions were made? How much was the total income you and your family living here received in 2008 from all sources, before taxes and other deductions were made? IF R SAYS TOTAL IS ZERO, ASK WHETHER THERE WAS A LOSS OR IF THE AMOUNT IS ACTUALLY ZERO. Code amount -1. Nothing Q1357 P7650 Is this income unusually high or low compared to what you would expect in a "normal" year, or is it normal? 1. High 2. Low 3. Normal --> SKIP TO P7364/Q1362 Q1358 P6765(High) Why is that? P6766(Low) ____________________________________________ Q1359 P7362 About what would your total income have been if it had been a normal year? Code amount Q1362 P7364 Over the next year, do you expect your total (family) income to go up more than prices, less than prices, or about the same as prices? 1. Up more 2. Up less 3. About the same Q1363 P7586 At this time, do you have a good idea of what your (family's) income for next year will be? 1. YES 5. NO Q1364 P7366 Do you usually have a good idea of what your (family's) next year's income will be? 1. YES 5. NO Q1365 P5731 During 2008, did you (or anyone in your family living here) pay any alimony, separation payments, or child support? 1. YES 5. NO --> SKIP TO P5733/Q1368 Q1366 P5732 Altogether, how much alimony and/or child support did you (and your family) pay in 2008? Code amount Q1368 P5733 During 2008, did you (or anyone in your family living here) provide any (other) financial support for relatives or friends who do not live here? Please do not include alimony or child support. INCLUDE SUBSTANTIAL GIFTS. 1. YES 5. NO --> SKIP TO SECTION Y Q1369 P5734 How much support did you (and your family) pay? Code amount ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- CHARITABLE CONTRIBUTIONS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Q1404 P5822 During 2008, did you make charitable contributions of money or property totaling $500 or more? During 2008, did you or anyone in your family living here make charitable contributions of money or property totaling $500 or more? Please do not include political contributions. DO NOT INCLUDE CONTRIBUTIONS OF TIME. 1. YES 5. NO -> SKIP TO P7662/Q1407 Q1405 P5823 Roughly, how much did you (or your family living here) contribute? SCHEDULE A, LINE 18 Code amount Q1407 P7662 During 2008, did you volunteer an average of one hour or more a week to any charitable organizations? During 2008, did you or anyone in your family living here volunteer an average of one hour or more a week to any charitable organizations? IF YES: Please do not include time volunteered for political causes. 1. YES 5. NO ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- DEMOGRAPHIC CHARACTERISTICS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- This section collects data for a spouse/partner of the 2007 R who was not in the household in 2007 ----------------------------------------------------------------------------- Next I need to ask some questions about (your/your [husband's/wife's/partner's]) education, and family background. Q1462 P6101 What is the highest grade of school or year of college (you/ [he/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 GRADE 2. 2ND GRADE 3. 3RD GRADE 4. 4TH GRADE 5. 5TH GRADE 6. 6TH GRADE 7. 7TH GRADE 8. 8TH GRADE 9. 9TH GRADE 10. 10TH GRADE 11. 11TH GRADE 12. 12TH GRADE 13. 1 YEAR OF COLLEGE --> SKIP TO P6104/Q1465 14. 2 YEARS OF COLLEGE --> SKIP TO P6104/Q1465 15. 3 YEARS OF COLLEGE --> SKIP TO P6104/Q1465 16. 4 YEARS OF COLLEGE --> SKIP TO P6104/Q1465 17. GRADUATE SCHOOL --> SKIP TO P6105/Q1466 Q1463 P6102 Did (you/he/she) either get a high school diploma or pass a high school equivalency test? PROBE: Was that a diploma, GED or other equivalency program? 1. YES, DIPLOMA 2. YES, GED OR OTHER EQUIVALENCY PROGRAM 5. NEITHER Q1464 P6103 Since completing your formal education, have you had on-the-job training or other vocational training lasting 100 hours or more? Since completing (his/her) formal education, has (he/she) had on-the-job training or other vocational training lasting 100 hours or more? 1. YES 5. NO SKIP TO P6106/Q1468 Q1465 P6104 Did you get a college degree? Did (he/she) get a college degree? DO NOT INCLUDE CERTIFICATES FROM TRADE SCHOOLS AS A COLLEGE DEGREE. 1. YES 5. NO --> SKIP TO P6106/Q1468 Q1466 P6105 What is the highest degree (you/he/she) earned? INTERVIEWER: WE WANT THE DEGREE, NOT A LICENSE Code degree 1. Associate's 2. Bachelor's 3. MA/MS 4. Ph.D 5. MD 6. Law 9. MBA -7. Other (SPECIFY) Q1468 P6106 (Have you/Has [he/she]) ever been in the military service? INCLUDE ONLY SERVICE IN U.S. MILITARY OR NATIONAL GUARD. 1. YES 5. NO What is (your/his/her) date of birth? Q1469 P6107 Code month Q1460 P7382 Code day of month Q1470 P6108 Code year (4 digits) Q1651 P6109 How many living brothers and sisters (do you/does [he/she]) have? INCLUDE ADOPTED SIBLINGS DO NOT INCLUDE SISTERS-IN-LAW/BROTHERS-IN-LAW Code number -1. None --> SKIP TO P6120/Q1490 Q1652 P6110 How many of them are older than (you/him/her)? Is he or she older than (you/him/her)? 2 versions Q1652 P6110A 3. *ENTER NUMBER -1. *NONE OF THEM -2. *ALL OF THEM -2. *YES -1. *NO Q1653 Code number P6110 Q1490 P6120 Now I'd like to ask about (your/his/her) parents. Is your (husband's/wife's/partner's) mother still living? 1. YES 5. NO --> P6122/Q1492 Q1491 P6121 What is her age? Code age Q1492 P6122 Is your (husband's/wife's/partner's) father still living? 1. YES 5. NO --> SKIP TO P7395/Q1494 Q1493 P6123 What is his age? Code age Q1494 P7395 Now I'd like to ask you some questions about your health; do you currently smoke? Now I'd like to ask you some questions about your (husband's/wife's/partner's) health; (do you/does your [husband/wife/partner]) currently smoke? 1. YES 5. NO Q1495 P6124 Would you say your (husband's/wife's/partner's) health is excellent, good, fair, or poor? 1. Excellent 2. Good 3. Fair 4. Poor ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- HEALTH INSURANCE ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- QY1 (For the next questions about health insurance, please P091301 include the people in your household who have independent finances./ For the next questions about health insurance, please include the people in your household who have independent finances, not just the ones we have been referring to as "your family" as we have gone through the interview.) HOUSEHOLD MEMBERS WITH INDEPENDENT FINANCES RELATIONSHIP SEX AGE MARITAL QY2 P091302 (Including household members with independent finances, are [if any NPEU members]/Are [if nobody in the NPEU]) you (or anyone in your family living here [if number in the NPEU>1]) covered by any type of public or private health insurance? 1. YES 5. NO --> P091326/QY7 QY3M1-M8 P091303A-P091310A What types of plans are these: Medicare, Medicaid, VA, Tri-Care, SCHIP, employer- or union-provided plans, a personal plan, or some other type of public or private plans? CODE ALL THAT APPLY TREAT PRIVATE PLANS PAID FOR BY MEDICARE (MEDICAID) AS MEDICARE (MEDICAID). 1. MEDICARE 2. MEDICAID OR STATE VARIANTS OF MEDICAID 3. VA 4. TRI-CARE 11. SCHIP 12. EMPLOYER-PROVIDED 13. UNION-PROVIDED 14. PERSONAL PLAN -7. OTHER (SPECIFY) QY4M1-M5 P091312A-P091316A IF PLAN OTHER THAN MEDICARE, MEDICAID, VA, TRI-CARE, SCHIP: How is this insurance paid for -- by you, (your [spouse/partner]), by an employer, by you and an employer, by a relative, or someone else? CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN 1. R/Family 2. Employer 3. Relative 4. FORMER EMPLOYER 9. GOVERNMENT -7. OTHER (specify) QY5 P091318 IF NUMBER OF PEOPLE IN HOUSEHOLD >1: Is everyone in your household covered by some type of health insurance? 1. YES --> QZ1 5. NO QY6M1-M5 P091319A-P091322A,P091325A IF NUMBER OF PEOPLE IN HOUSEHOLD >1 & P091318/QY5=NO: Who is NOT covered by health insurance? CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE 1. Respondent 2. Spouse/partner 3. Child(ren) under 18 4. Child(ren) 18 and Over 5. Father 6. Mother -7. Other (specify) {see code at X6330/Q1530 in main questionnaire for the conditions under which these codes should be displayed} QY7 P091326 IF P091302/QY2=NO OR P091318/QY5=NO: IN PERSON VERSION: (SHOW CARD 9) This is a list of reasons why some people don't have health insurance. Which reason best describes why (you are not covered/not everyone living here is covered)? READ RESPONSES IF NECESSARY. TELEPHONE VERSION: Which of the following reasons best describes why (you don't have/not everyone living here has) have health insurance: 1. It's too expensive, can't afford health insurance 2. Can't get health insurance because of poor health, age, or illness 3. Don't believe in health insurance 4. Not much sickness in the family - we haven't needed health insurance 5. Dissatisfied with previous insurance 6. Job layoff or job loss -7. Some other reason (SPECIFY) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- WRAPUP QUESTIONS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- QZ1 P091401-P091410 Finally, I would like to ask about a few of your opinions. Over the past two years what have been the most important positive events for your (family's) finances? ________________________________________________ QZ2 P091411-P091419 Over the past two years what have been the most important negative events for your (family's) finances? ________________________________________________ QZ3 Over this time, have you (and your family) made decisions P091420 to change the ways you arrange your money or investments? 1. YES 5. NO --> SKIP TO QZ5 QZ4 P091421-P091429 Generally, what were those decisions? ________________________________________ QZ5 As a result of the experiences of the past two years, do you P091430 (and your family) expect to make (other) changes in the way you arrange your money or investments in the future? 1. YES 5. NO --> SKIP TO QZ7 QZ6 P091431-P091440 Generally, what changes do you expect to make? ________________________________________ QZ7 P091441-P091450 What do you see as the biggest financial challenge facing (you/your family) now? ________________________________________________ QZ8 Thank you for your time and cooperation. This is the end of the structured interview. Did we miss anything that you think is important for discribing your (family's) finances and the changes since we last interviewed you? IF YES: Please tell me more. ________________________________________________ Q793 Were any of the questions in the interview difficult for you to answer? IF YES: Which ones? ________________________________________________ Q795 Is there anything you would like to add to any of the subjects we've discussed? ________________________________________________ INTERVIEWER: PLEASE THANK THE RESPONDENT! ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- INTERVIEWER REMARKS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- NOTE: The data in this section were obtained from the interviewer debriefing question, which was required for every completed interview. This section is completed by the interviewer as soon as possible after leaving the respondent. ----------------------------------------------------------------------------- ZZQ4 P6523 Please rate the physical condition of the interior of the HU: 1. EXCELLENT. WALLS AND CEILINGS HAVE NO CRACKS. PAINT OR PANELLING IN GOOD CONDITION 2. GOOD. NEEDS SOME MINOR PAINTING OR REFINISHING. 3. FAIR. NEEDS MAJOR INTERIOR WORK. HOLES AND/OR CRACKS NEED PATCHING. PAINTING NEEDED. ETC. 4. POOR. SOME WALLS OR CEILINGS NEED REPLACEMENT. 5. DON'T KNOW--WASN'T INSIDE HOUSE. ZZQ5 P6525 R's understanding of the questions was... 1. EXCELLENT 2. GOOD 3. FAIR 4. POOR ZZQ6 P6526 R's ability to express himself/herself was... 1. EXCELLENT 2. GOOD 3. FAIR 4. POOR ZZQ7 P6527 Was R suspicious about the study before the interview? 1. NO, NOT AT ALL SUSPICIOUS 2. YES, SOMEWHAT SUSPICIOUS 5. YES, VERY SUSPICIOUS ZZQ8 P6528 Was R suspicious about the study after the interview? 1. NO, NOT AT ALL SUSPICIOUS 2. YES, SOMEWHAT SUSPICIOUS 5. YES, VERY SUSPICIOUS ZZQ9 P6529 Overall, how great was R's interest in the interview? 1. VERY HIGH 2. ABOVE AVERAGE 3. AVERAGE 4. BELOW AVERAGE 5. VERY LOW ZZQ10M1-M5 P6530A-P6534A Other persons present at the interview: (CODE ALL THAT APPLY) 1. CHILDREN UNDER AGE 6 2. CHILDREN 6 AND OVER 3. SPOUSE/PARTNER 4. OTHER RELATIVES 5. OTHER ADULTS 6. NO ONE ZZQ11 P6536 Did R refer to documents to answer questions? 1. FREQUENTLY 2. SOMETIMES 3. RARELY 4. NEVER ZZQ12M1-M6 P7451A-P7460A Which documents did R refer to? (CODE ALL THAT APPLY) 1. INCOME TAX RETURNS 2. PENSION DOCUMENTS 3. ACCOUNT STATEMENTS 4. INVESTMENT/BUSINESS RECORDS 5. LOAN DOCUMENTS -7. OTHER (SPECIFY) sameasset OTHER THAN INHERITANCES, DO YOU BELIEVE THAT THE RESPONDENT REPORTED THE SAME ASSET OR DEBT MORE THAN ONCE IN THE INTERVIEW? 1. YES 5. NO whichasset WHICH ASSETS AND/OR DEBTS DO YOU THINK THE RESPONDENT REPORTED MORE THAN ONCE? ______________________________________________ notcoll DO YOU BELIEVE THAT ANY IMPORTANT ASSETS OR DEBTS WERE NOT COLLECTED IN THE INTERVIEW? 1. YES 5. NO whichnocoll WHICH ASSETS AND/OR DEBTS DO YOU THINK WERE NOT COLLECTED IN THIS INTERVIEW? ______________________________________________ inconsprob DO YOU BELIEVE THERE ARE ANY IMPORTANT CONSISTENCY PROBLEMS WITH THIS INTERVIEW? 1. YES 5. NO whatincons WHAT DO YOU THINK ARE THE CONSISTENCY PROBLEMS WITH THIS INTERVIEW? ______________________________________________ carelessrange SOME RESPONDENTS HAVE OCCASIONALLY BEEN CARELESS IN THEIR USE OF THE RANGE CARD. DID THIS RESPONDENT REPORT ANY RANGES FROM THE CARD THAT YOU THOUGHT WERE IN ERROR? 1. YES 5. NO whatrange WHAT RANGES DO YOU THINK WERE REPORTED CARELESSLY? ______________________________________________ anyelse VERY IMPORTANT! AFTER THE FIELD PERIOD, CASES ARE REVIEWED INTENSIVELY FOR INCONSISTENCIES. IS THERE ANYTHING ELSE ABOUT THIS CASE THAT YOU THINK MIGHT BE USEFUL IN UNDERSTANDING ANY PROBLEMS WITH THIS CASE? IF THE CASE WAS UNUSUAL, BUT THERE WERE NO OBVIOUS PROBLEMS, PLEASE ANSWER YES HERE AND MAKE A NOTE ON THE NEXT SCREEN. 1. YES 5. NO anyelseverb PLEASE EXPLAIN ______________________________________________ ZZQ25 P6549 INTERVIEWER: DID R REQUEST A COPY OF THE "RESULTS" OF THE SURVEY? 1. YES 2. NO THANK YOU FOR YOUR WORK ON THIS CASE!