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Sections
- Control File Variables/Weights
- Household Listing
- Financial Institutions
- Credit Cards
- Principal Residence and Lines of Credit
- Real Estate and Loans to Others
- Businesses
- Vehicles
- Education Loans
- Other Loans
- Expectations and Attitudes
- Financial Assets
- Employment and Pensions
- Income, Taxes, Support
- Inheritances, Charity
- Demographics, Health Insurance
- Independent HH Members
- Interviewer Observations
IMPORTANT NOTE: not all variables listed below appear in the public use dataset -- see list of included variables (Public Data Set Variable List) near the end of this file.
IMPORTANT NOTE: there is SAS code for defining assets, debt, and net worth (Net Worth Program) at the very end of this file.
*****************************************************************************
SAS CODE for rounding of dollar amounts
* rounding dollar amounts;
ARRAY AMT {*} X412-X414 X420 X421 X423 X424 X426 X427 X429 X430
X505 X510 X513 X518 X521 X526 X602 X604
X607 X612 X614 X617 X619 X623 X627 X631 X635 X703
X708 X716 X717 X721 X804 X805 X808 X812 X813 X904
X905 X908 X912 X913 X1004 X1005 X1008 X1012 X1013
X1035 X1039 X1040 X1044 X1104 X1108 X1109 X1115
X1119 X1120 X1126 X1130 X1131 X1136 X1202 X1206
X1210 X1211 X1215 X1219 X1220 X1224 X1405
X1408-X1410 X1415 X1417 X1505 X1508-X1510 X1515
X1517 X1605 X1608-X1610 X1615 X1617 X1619 X1621
X1706 X1709 X1714 X1715 X1718 X1722 X1723 X1730
X1806 X1809 X1814 X1815 X1818 X1822 X1823 X1830
X1906 X1909 X1914 X1915 X1918 X1922 X1923 X1930
X2002 X2003 X2006 X2007 X2010 X2012 X2013 X2016
X2017 X2020 X2105 X2112 X2117 X2209 X2213 X2214
X2218 X2309 X2313 X2314 X2318 X2409 X2413 X2414
X2418 X2422 X2424 X2425 X2506 X2510 X2514 X2515
X2519 X2606 X2610 X2614 X2615 X2619 X2623 X2625
X2626 X2714 X2718 X2719 X2723 X2731 X2735 X2736
X2740 X2814 X2818 X2819 X2823 X2831 X2835 X2836
X2840 X2914 X2918 X2919 X2923 X2931 X2935 X2936
X2940 X3121 X3124 X3126 X3129-X3132 X3221 X3224
X3226 X3229-X3232 X3321 X3324 X3326 X3329-X3332
X3335-X3337 X3408-X3410 X3412-X3414 X3416-X3418
X3420-X3422 X3424-X3426 X3428-X3430 X3506 X3510
X3514 X3518 X3522 X3526 X3529 X3610 X3620 X3630
X3706 X3711 X3716 X3718 X3721 X3804 X3807 X3810
X3813 X3816 X3818 X3822 X3824 X3826 X3828 X3830
X3833 X3835 X3902 X3906 X3908 X3910 X3915
X3918 X3920 X3922 X3930 X3932 X3939 X3942 X4003
X4005 X4006 X4010 X4011 X4014 X4018 X4022 X4026
X4030 X4032 X4112 X4131 X4204 X4207 X4210 X4214
X4220 X4224 X4226 X4229 X4304 X4307 X4310 X4314
X4320 X4324 X4326 X4329 X4404 X4407 X4410 X4414
X4420 X4424 X4426 X4429 X4436 X4509 X4520 X4532
X4540 X4605 X4613 X5306 X5311 X5318 X5326 X5334
X5418 X5426 X5434 X5504 X5507 X5510 X5513 X5516
X5604 X5608 X5612 X5616 X5620 X5624 X5628 X5632
X5636 X5640 X5644 X5648 X5702 X5704 X5706 X5708
X5710 X5712 X5714 X5716 X5718 X5720 X5722 X5724
X5726 X5729 X5732 X5734 X5751 X5804 X5809 X5814
X5818 X5821 X5823 X5926 X5928 X6403 X6415 X6418
X6421 X6432 X6436 X6437 X6439 X4712 X4731 X4804
X4807 X4810 X4814 X4820 X4824 X4826 X4829 X4904
X4907 X4910 X4914 X4920 X4924 X4926 X4929 X5004
X5007 X5010 X5014 X5020 X5024 X5026 X5029 X5036
X5109 X5120 X5132 X5140 X5205 X5213 X8163 X8164
X8166 X8167 X8168
X7575
X7805 X7828 X7851 X7815 X7838 X7861 X7817 X7840
X7863 X7824 X7847 X7870 X7905 X7928 X7951 X7915
X7938 X7961 X7917 X7940 X7963 X7924 X7947 X7970
X7633-X7639 X7641
X7651 X7652
X7666 X7697-X7699 X7724-X7726;
DO I = 1 TO DIM(AMT);
IF (0 < AMT{I} < 5) THEN AMT{I}=1;
IF (5 <= AMT{I} < 1000) THEN DO;
AMT{I}=MAX(1,ROUND(AMT{I},10));
END;
IF (1000 <= AMT{I} < 10000) THEN DO;
AMT{I}=ROUND(AMT{I},100);
END;
IF (10000 <= AMT{I} < 1000000) THEN DO;
AMT{I}=ROUND(AMT{I},1000);
END;
IF (1000000 <= AMT{I}) THEN DO;
AMT{I}=ROUND(AMT{I},10000);
END;
IF (-1000 <= AMT{I} < - 5) THEN DO;
AMT{I}=ROUND(AMT{I},10);
END;
IF (-10000 <= AMT{I} < -1000) THEN DO;
AMT{I}=ROUND(AMT{I},100);
END;
IF (-1000000 < AMT{I} < -10000) THEN DO;
AMT{I}=ROUND(AMT{I},1000);
END;
IF .Z < AMT{I} <= -1000000 THEN
AMT{I}=-1000000;
END;
An important exception to this rounding rule is amounts that were
reported in an hourly frequency (e.g., X4112). If the hourly amount
is greater than $25, then the above rounding rule applies. Otherwise,
the amount is rounded to the nearest $.10.
Top of Page
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MISC. CONTROL FILE DATA AND WEIGHTS
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YY1 Case ID for external users
Y1 Equivalent for X1 for external users
XX1 Internal case ID (4-digit) -- identical for
all imputation replicates
X1 Internal replicate ID number -- XX1*10 + imputation replicate
number (1-5)
7591 Interviewer ID No. (4-digit) (entered from cover of quex)
.N NA
2 Interviewer ID No. from SMS (more reliable than X7591)
30500 External ID number for interviewers created by assigning a
random number to take the place of the original ID (created
from X2).
30501 Field manager ID number from SMS
30502 External ID number for field managers created by assigning a
random number to take the place of the original ID (created
from X30501).
4 Day case logged in.
1-31
3 Month case logged in.
1. January (reinterviewed cases)
6. June
7. July
8. August
9. September
10. October
11. November
12. December (reinterviewed cases)
8095 Year case logged in
1992.
1993.
9 List sample indicator.
1. List sample case
0. Not list sample case
-----------------------------------------------------------------------------
30001 PSU number
SELF-REPRESENTING PSU
301 New York, NY
302 Los Angeles, CA
303 Chicago, IL
304 Philadelphia, PA
305 Detroit, MI
306 San Francisco, CA
307 Washington, DC
308 Dallas-Ft. Worth, TX
309 Houston, TX
310 Boston, MA
311 Nassau-Suffolk, NY
312 St. Louis, MO
313 Pittsburgh, PA
314 Baltimore, MD
315 Minneapolis, MN
316 Atlanta, GA
NONSELF-REPRESENTING PSU, SMSA
317 Buffalo, NY
318 Newark, NJ
319 Albany, NY
320 Providence, RI
321 New Haven, CT
322 Harrisburg, PA
323 Atlantic City, NJ
324 Manchester, NH
325 Cleveland, OH
326 Milwaukee, WI
327 Dayton, OH
328 Kansas City, MO
329 Des Moines, IA
330 Columbus, OH
331 Grand Rapids, MI
332 Fort Wayne, IN
333 Steubenville, OH
334 Saginaw, MI
335 Madison, WI
336 Birmingham, AL
337 Charleston, SC
338 Jackson, MS
339 Columbus, GA
340 Miami, FL
341 Tampa, FL
342 Jacksonville, FL
343 Lakeland, FL
344 McAllen, TX
345 Waco, TX
346 Johnson City, TN
347 Wheeling, WV
348 Oklahoma City, OK
349 Knoxville, TN
350 Richmond, VA
351 Charlotte, NC
352 San Diego, CA
353 Seattle, WA
354 Portland, OR
355 Denver, CO
356 Anaheim, CA
357 Riverside, CA
358 Fresno, CA
359 Eugene, OR
360 Phoenix, AZ
361 Provo, UT
NONSELF-REPRESENTING PSU, NON-SMSA
362 Lawrence Co., PA
363 Schuyler Co., NY
364 Gardner, MA
365 Sanilac, MI
366 Starke, IN
367 Ramsey, ND
368 Phillips Co., KS
369 La Salle, IL
370 Mower, MN
371 Cape Girardeau, MO
372 Crenshaw, AL
373 Bullock, GA
374 Vernon Pr., LA
375 Citrus Co., FL
376 Hale Co., TX
377 Monroe Co., AR
378 Bedford Co., TN
379 Nicholas Co., KY
380 Montgomery Co., VA
381 Robeson Co., NC
382 Eldorado, CA
383 Alamosa, CO
384 Carbon C., WY
30002 Number of cases in PSU.
0. Inap. (not an area-probability sample case)
30003 Number of ineligible cases in PSU.
0. Inap. (not an area-probability sample case)
30004 Number of completed cases in PSU.
0. Inap. (not an area-probability sample case)
30005 Design-based nonresponse-adjusted area-probability weight.
Where "wi" is the inverse of the original probablity of
selection for case i, this weight is given by
wi * (X30002-X30003)/X30004.
Implicit in this calculation is the assumptions that
nonresponse is uniform at the PSU level.
0. Inap. (not an area-probability sample case)
30006 Sample disposition code.
COMPLETED CASES
61 Completed case (in-person)
62 Completed case (telephone)
65 Converted case (in-person)
66 Converted case (telephone)
60 Partial complete (partial interview accepted as complete)
NIRS (non-interview reports)
LIST SAMPLE ONLY
80 Refusal - postcard returned
81 R deceased
82 Unable to locate
83 Unavailable during field period
84 R moved out of range
85 Refusal by gatekeeper
86 R institutionalized
AREA PROBABILITY ONLY
71 Vacant HU
72 Not an HU
73 Seasonal vacant
74 No contact
75 Vacant trailer space
76 Sample incorrect
77 No eligible respondent
BOTH LIST AND AP SAMPLES
90 Language barrier
91 Refusal/breakoff - no reason
92 Refusal/breakoff - too long
93 Refusal/breakoff - too invasive/personal
94 Refusal/breakoff - gov't involvement
95 Other
30007 Seqid for the 1990 SOI file.
ONLY AVAILABLE IN LOCKED LINK FILE
NOT TO BE INCLUDED ON ANY ROUTINE USE FILE!
0. Inap. (not a list sample case)
30008 List sample design weight.
0. Inap. (not a list sample case)
30009 List sample wealth-index stratum number.
0. Inap. (not a list sample case)
30010 Design-based nonresponse adjustment for list sample
(SWE(STRATUM)/SWC(STRATUM)).
0. Inap. (not a list sample case)
30011 Design-based nonresponse-adjusted list weight
(X30008 * X30009).
0. Inap. (not a list sample case)
30029 List design weights post-stratified to stratum counts and to
geographic totals computed from the entire SOI file.
0. Inap. (not a list sample case)
30016 Number of sample cases in list stratum.
0. Inap. (not a list sample case)
30017 Number of ineligible list sample cases in stratum.
0. Inap. (not a list sample case)
30018 Number of completed list sample cases in stratum.
0. Inap. (not a list sample case)
30019 Weighted (using original unadjusted design weight) number of
eligible cases in stratum.
0. Inap. (not a list sample case)
30020 Weighted (using original unadjusted design weight) number of
completed cases in stratum.
0. Inap. (not a list sample case)
30027 Weighted (using original unadjusted design weight) number of
inelligible cases in stratum.
0. Inap. (not a list sample case)
30023 List sample financial income post-stratum, defined in terms
of all interest income reported on page 1 of IRS Form 1040.
0. Inap. (not a list sample case)
30024 Divorce-adjusted wealth index stratum. When joint filers
had divorced since the sample was drawn, the original wealth
index was divided in half and the stratum number was
recomputed using the original classes.
0. Inap. (not a list sample case)
30012 Number of area-probability sample cases in PSU.
0. Inap. (not an area-probability sample case)
30013 Number of eligible area-probability sample cases in PSU.
0. Inap. (not an area-probability sample case)
30014 Number of completed area-probability sample cases in PSU.
0. Inap. (not an area-probability sample case)
30015 Unadjusted area probability sample design weight
0. Inap. (not an area-probability sample case)
30021 Area probability segment number
0. Inap. (not an area-probability sample case)
30025 Paired PSUs (segments for self-representing PSUs) for
variance estimation.
1-32: pairs constructed from segements in self-representing PSUs
33-100: paired non-self-representing PSUs
0. Inap. (not an area-probability sample case)
30022 Census region
1. Northeast
2. North central
3. South
4. West
30074 9-level Census Division Code
1. Northeast: New England Division (CT, ME, MA, NH, RI, VT)
2. Northeast: Middle Atlantic Division (NY, NJ, PA)
3. South: South Atlantic Division: (DE, DC, FL, GA, MD, NC
SC, VA, WV)
4. South: East South Central Division: (AL, KY, MS, TN)
5. South: West South Central Division: (AR, LA, OK TX)
6. Midwest: East North Central Division (IL, IN, MI OH WI)
7. Midwest: West North Central Division (IA, KS, MN, MO,
NE, ND, SD)
8. West: Mountain Division (AZ, CO, ID, MT, NV, UT, WY, NM)
9. West: Pacific Division (AK, CA, HI, OR, WA)
30026 Reinterview status for cases with ineligible data.
1. Successfully reinterviewed
5. Unsuccessfully reinterviewed, data deleted
3. Unsuccessfully reinterviewed, data never entered
0. Inap. (not reinterviewed)
30028 Case critical item check indicator
3 = critical item check run on both programs and no missing
critical items found,
2 = critical item check run and at least 1 critical item in
Program 1 or Program 2 was missing,
1 = critical item checks were not run (or rerun) or there
is some reason why the critical item flag was missing
(these would include the re-fielded cases and other
cases which were re-entered after the initial critical
item check was run).
30030 State where PSU is located
Standard two-character code
-----------------------------------------------------------------------------
WEIGHTS
XWGT Post-stratification analysis weight as of 9/30/93 (the
first public release of the data). WARNING! Because the
weight is partially data-based (see Kennickell, McManus
and Woodburn) and the final imputations here differ from
the intitial values in the first public release, this
weight is NOT compatible with the final version of the
data. It is included here only for historical purposes.
X41000 Version of X42000 that was included in the first release
of the final SCF 92 data. This variable is included only
for historical reasons.
X42000 Original Kennickell-Woodburn consistent weight.
X42001 Revised Kennickell-Woodburn consistent weight: accounts for
systemative deviations from CPS estimates of homeownership
by racial/ethnic groups. This weight should be used for all
estimations using the final 1992 SCF data for which weights
are appropriate.
-----------------------------------------------------------------------------
REPLICATE WEIGHTS AND MULTIPLICITY FACTORS
-----------------------------------------------------------------------------
As noted in the introduction, there are two additional data files
which contains replicate weights and multiplicity factor to be used in
estimating sampling variances. The files correspond to the main
weights X42000 and X42001.
The replicate weights are of the form WT1Bi, where i=1,...999
The multiplicity factors are of the form MMi, where i=1,...999
Replicate weights with a given index correspond to multiplicity
factors with the same index.
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-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
HOUSEHOLD LISTING
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8000 Respondent and spouse/partner variables reversed to
male/oldermale/older female and spouse/partner in all
subsequent occurences in dataset (data rearranged except
when male not living at sampled address). Also, all
response categories altered to reflect this change.
1. Reversed
5. Not reversed
13 Respondent: Age computed from date of birth
18 Spouse: Age computed from date of birth
Code age
.N NA
14 Respondent: "Imputed age"
19 Spouse: "Imputed age"
(IF HHL AGE=COMPUTED AGE, THE IMPUTED AGE=SAME.
IF HHL AGE=COMPUTED AGE +/- 2 YEARS, THEN IMPUTED AGE=
COMPUTED AGE (I.E., BASED ON DATE OF BIRTH). IN ALL
OTHER CASES, COMPUTED AGE DERIVED FROM BEST
INFORMATION AVAILABLE IN THE IW.)
(IMPUTED AGE WAS USED IN CONVERSIONS OR CALCULATIONS
INVOLVING AGE OF R/S.)
Code age
For the public use tape, this age variable is top-coded at 95.
100 Indicator for inclusion of income, debt, assets, etc. of an
absent spouse in the interview.
1. Included in Iw
5. Not included in Iw
0. Inap. (No absent spouse)
101 Number of people in the household according to the HHL.
Code total # of persons in HHL
8020(#1) Before we start the interview, I need to (re-)list the people who
102(#2) live here and obtain some basic information about each one. Let's
108(#3) start with you--how old are you?
114(#4)
120(#5) HHL-A. Relationship to Respondent
126(#6)
132(#7) If a spouse or partner
202(#8) 1. RESPONDENT is present in HH, he/
208(#9) 2. Spouse of Respondent she must be coded as
214(#10 3. "Partner" of Respondent person #2.
220(#11) 4. Child (incl. in-laws)
226(#12) 13. Child of Partner Child (04) here
5. Grandchild includes step and
6. Parent (incl. in-laws) adopted children
7. Grandparent (incl. in-laws) and child's spouse.
8. Aunt/uncle Code foster child
9. Cousin in 36.
10. Niece/nephew
11. Sister/brother (incl. in-laws)
12. Great grandchild
29. Other relative
31. Roommate
32. "Friend" (exc. 3)
33. Relative of Partner (except Child, code 13)
34. Boarder or roomer/lodger
35. Paid help (maid, etc.)
36. Foster child
39. Other unrelated person
45. Absent spouse, treated as PEU member
0. Inap. (No further persons)
8021(#1) HHL-B. SEX
103(#2)
109(#3) 1. Male
115(#4) 2. Female
121(#5) 0. Inap. (No further persons)
127(#6)
133(#7)
203(#8)
209(#9)
215(#10)
221(#11)
227(#12)
8022(#1) HHL-C. AGE
104(#2)
110(#3) Code AGE
116(#4)
122(#5) -1. Less than one year
128(#6) 0. Inap. (No further persons)
134(#7) For the public use tape, the first age variable is top-coded at 95.
204(#8)
210(#9)
216(#10)
222(#11)
228(#12)
HHL1. (ASK OF ALL PERSONS 18 AND OLDER, EXCEPT SPOUSE) (Are
you/Is [RELATIONSHIP] currently married or living with a
partner, separated, divorced, widowed, or (have you/has
[he/she]) never been married? (RECORD IN COL. D. ABOVE.)
8023(#1) HHL-D. MARITAL STATUS
105(#2)
111(#3) 1. (M) Married
117(#4) 2. (P) Living with a partner If Person is 17 or
123(#5) 3. (S) Separated less, assume marital
129(#6) 4. (D) Divorced status=6, do not code
135(#7) 5. (W) Widowed NA for persons 0-17.
205(#8) 6. (NM) Never married
211(#9) 7. Married but spouse in institution (nursing home/jail)
217(#10) or outside U.S. (not available to be sampled
223(#11) elsewhere)
229(#12) 8. Married but spouse not current resident of HU or in
institution (eligible for sampling at another residence)
12. Corresponds to 7 for spouse field
13. Corresponds to 8 for spouse field
0. Inap. (Person not over 18; no further persons)
For the public use tape, responses of 7, 8, 12, and 13 are
set to 1.
HHL2. (ASK FOR ALL PERSONS 18 YEARS AND OLDER, EXCEPT RESPONDENT
AND SPOUSE) Does (he/she) usually live here? (RECORD IN
COL. E. ABOVE.)
8024(#1) HHL-E. USUALLY LIVES HERE?
106(#2)
112(#3) 1. YES (incl. R and Spouse/Partner)
118(#4) 2. Child (17 and under) living in HU for part of each
124(#5) year
130(#6) 5. NO
136(#7) 0. Inap. (Person not over 18; no further persons)
206(#8)
212(#9)
218(#10)
224(#11)
230(#12)
HHL3. INTERVIEWER. IS AT LEAST ONE (1) HOUSEHOLD MEMBER
18 YEARS OR OLDER -- OTHER THAN R/SPOUSE
HHL4. (ASK ABOUT ALL [related] ADULTS 18 YEARS AND OLDER EXCEPT
RESPONDENT AND SPOUSE) Does (RELATIONSHIP) depend on you
(and your [husband/wife/partner]) for most of
(his/her) support or is (he/she) financially
independent for the most part?
(RECORD IN COL. F. ABOVE.)
8098(#1) HHL-F.
107(#2)
113(#3) 1. FINANCIALLY DEPENDENT
119(#4) 5. FINANCIALLY INDEPENDENT
125(#5) 0. Inap. (Person not over 18; no further persons)
131(#6)
137(#7)
207(#8)
213(#9)
219(#10)
225(#11)
231(#12)
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-----------------------------------------------------------------------------
FINANCIAL INSTITUTIONS
-----------------------------------------------------------------------------
305 A5. The next few questions are about the financial
institutions that you do business with.
With how many financial institutions do you (and your family
living here) currently have accounts or loans, or regularly
do personal financial business? Include banks, savings and
loans, credit unions, brokerages, loan companies,
and so forth, but not institutions where you have
only credit cards or business accounts.
(This variable retains the original value reported
by the respondent (contrast 8300 below) except when
the original value of this variable was missing.)
Code NUMBER
-1. NONE
.S. SOME, EXACT NUMBER UNKNOWN
8300 R. Inferred number of institutions. When institutions
were reported (or in some cases, imputed) after the
institution data were collected, except in the case
of bank-type credit cards the interviewers
were instructed to go back and fill in this
information for each new institution. This
procedure worked imperfectly. This variable
takes X305 as its base and adds additional
institutions whenever a commercial bank, savings
and loan, credit union, or brokerage was reported
without a link to the institution data. Where more
there are than the 6 institutions on which detailed
information was collected, the total number of
institutions was augmented as appropriate. In
cases where any of the first six institutions have
been inferred, the detailed information (location
and how R does business) has been imputed.
Code NUMBER
-1. NONE
306 A5.10 Do you (or your family living here) have a card
that allows you to deposit or withdraw
money from (this/these institutions) using a cash
machine?
1. YES
5. NO
0. Inap. (No institutions listed, no further
institutions)
307 A5.11 # OF INSTITUTIONS (FROM A5)
Code NUMBER
0. Inap. (No institutions listed)
308(#1) A6. (SHOW CARD 1). (About Institution #[1/2/3/4/5/6]),
312(#2) what kind of institution is this? (Is it a
316(#3) commercial bank, a savings and loan or savings
320(#4) bank, a credit union, a finance or
324(#5) loan company, a brokerage, or what?)
328(#6)
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No institutions listed, no further
institutions)
FINANCIAL INSTITUTIONS MASTER REFERENCE LIST
1. Institution #1 from Card A
2. Institution #2 from Card A
3. Institution #3 from Card A
4. Institution #4 from Card A
5. Institution #5 from Card A
6. Institution #6 from Card A
11. Commercial bank; "trust company"
12. Savings & loan association or savings bank
13. Credit union
14. Finance or loan company
15. Store or dealer
16. Brokerage company; "mutual fund"--NFS
17. Insurance company
18. Mortgage company
19. Contractor or developer
20. Prior owner
21. Automobile finance company; GMAC; Ford CDT
22. Doctor or hospital; dentist
23. Lawyer
24. Accountant
25. Employer
26. Friend or relative (not codeable above)
27. Individual lender/advisor (not codeable above)
28. Pension administrator
31. Real estate (investment) company
32. School/college/university
33. Local/county/state government (exc. 42)
34. Special federal government agency: FMHA; SBA; VA;
FHA; HUD; NDSL
35. Federal government general or NA agency; IRS
37. Self/spouse (manages own trust)
38. Bank or general purpose credit card company: VISA;
Carte Blanche; MasterCard (except American Express,
code 51)
39. Union
40. Church
41. AARP (American Association of Retired Persons)
42. Courts
50. (Sears)/Discover Card (V415-418 only) (Code "Sears"
mention in 15)
51. American Express/Optima Card
52. AT&T Card
61. Other membership organization: AAA; NEA; NTA
(V415-418 only)
62. Tribal and similar organizations
75. Foreign institution type
92. Money market (mutual) funds, NFS
93. Farm related lenders, not codeable above or NA if
membership group or government agency
94. Investment/management companies or consultants--NEC
95. Non-financial institution (exc. 40-42, 61)
-1. Combinations of types of financial institutions
-7. OTHER
309(#1) A7. How (do you/does your family) mainly do business with
313(#2) this institution (--by cash machine, in person, by
317(#3) mail, by phone, or some other way)? (NOT ASKED IF
321(#4) NON-FINANCIAL INST.)
325(#5)
329(#6) 1. BY ATM
2. IN PERSON--R or R's messenger If adjacent boxes
3. BY MAIL checked, code
4. BY PHONE smallest number.
5. Payroll deduction; direct deposit
6. DON'T DO REG. BUSINESS
-7. OTHER
9. ELECTRONIC TRANSFER
10. CHECK, NFS
11. R's agent or manager
0. Inap. (No institutions listed, no further
institutions)
310(#1) A8. Roughly, how many miles is the office or cash machine of this
314(#2) institution from the home or workplace of the person who
318(#3) uses it most often? (ACCEPT RANGE.) (IF R ASKS: WE WANT
322(#4) THE CLOSER OF THE DISTANCE FROM HOME OR WORKPLACE.)
326(#5) (NOT ASKED IF NON-FINANCIAL INST.)
330(#6)
Code MILES
51. OVER 50 MILES
992. FOREIGN LOCATION
993. LOCATED AT WORK
-1. LESS THAN A MILE
-7. LOCAL PHONE OR POST BOX
0. Inap. (No institutions listed, no further
institutions)
311(#1) A9. INTERVIEWER: IS THERE ANOTHER FINANCIAL INSTITUTION?
315(#2)
319(#3) 1. Yes
323(#4) 2. No
327(#5) 0. Inap. (No institutions listed, no further
institutions)
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DEBIT AND CREDIT CARDS
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7582 B4. Do you (or anyone in your family living here) have
any debit cards?
(A debit card is a card that you can present when
you buy things that automatically deducts the amount of
the purchase from the money in an account that you have).
1. YES
5. NO
7581 B4.1 . How many such cards do you (and your family living
here) have?
(READ ONCE: Please do not count duplicate cards for the
same account or any business or company accounts.)
Code NUMBER
0. Inap.
7580 B4.2 Please look at the Institutions Card. (Is this/are these)
7579 with any of the institution(s) on the Institutions
Card, or from someplace else?
(CHECK ALL THAT APPLY.) [IF INSTITUTIONS CARD: Which
institution(s)?] [IF "SOMEPLACE ELSE": What type(s) of
institution(s)?]
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No institutions listed, no further
institutions)
9200 R. Type of institution.
9201
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No institutions listed, no further
institutions)
410 B5. Now I have some questions about credit cards. Do you (or
anyone in your family living here) have any credit
cards or charge cards? (Please do not include debit cards.)
1. YES
5. NO
TYPES OF CREDIT CARDS
#1: bank-type cards
#2: store cards
#3: gasoline cards
#4: general purpose cards
#5: other types of cards
411 (#1) B5.1 How many different (EXAMPLE) credit cards do you
(and your family living here) have?
419 (#2) (READ ONCE: Please do not count duplicate cards for the
422 (#3) same account or any business or company accounts.)
425 (#4)
428 (#5)
Code # ACCTS
-1. NONE
.S. SOME, DK HOW MANY
0. Inap. (No credit cards)
412 (#1) B6-A. On your last bill, roughly how much were the new
420 (#2) charges made to (this/all these) account(s)?
423 (#3) (ACCEPT RANGE.)
426 (#4)
429 (#5)
Code $ amount
-1. NONE
0. Inap. (No credit cards, no TYPE cards)
413 (#1) B8-A. After the last payment(s) (was/were) made on (this/these)
421 (#2) account(s), roughly what was the balance still owed on
424 (#3) (this/all these) account(s)?
427 (#4)
430 (#5)
Code $ amount
-1. NONE
0. Inap. (No credit cards, no TYPE cards)
414 (#1) B9. What is the maximum amount you could borrow on (this/all
of these) account(s); that is, what is your
total credit limit?
Code actual amount
-1. NONE/No limit
0. Inap. (No credit cards, no bank-type cards)
7578 B9.1 When you chose (this/these) card(s), how important
was the interest rate that is charged on the
balances -- very important, somewhat important, or not
important?
1. VERY IMPORTANT
2. SOMEWHAT IMPORTANT
3. NOT IMPORTANT
415 (#1a) B10. Please look at the Institutions Card. (Is this/are
416 (#1b) these) with any of the institution(s) on the
417 (#1c) Institutions Card, or from someplace else?
418 (#1d) (CHECK ALL THAT APPLY.) [IF INSTITUTIONS CARD: Which
7500 (#1e) institution(s)?] [IF "SOMEPLACE ELSE": What type(s) of
institution(s)?]
Code up to 5 mentions
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No credit cards, no bank-type cards, no
additional institutions)
9082(#1a) R. Type of institution
9151(#1b)
9152(#1c) Code type of intsitution
9153(#1d) See FINANCIAL INSTITUTIONS master reference list
9202(#1e) 0. Inap. (No credit cards, no bank-type cards, no
additional institutions)
431 B11. INTERVIEWER: SEE B6, COLUMNS A and B. DOES R HAVE
ANY CARDS IN COLUMN A OR B?
1. YES
5. NO
0. Inap. (No credit cards)
432 B12. Thinking only about Visa, Mastercard, Discover,
Optima and store cards, do you almost always,
sometimes, or hardly ever pay off the total
balance owed on the account each month?
1. ALMOST ALWAYS
3. SOMETIMES
5. HARDLY EVER
0. Inap. (No credit cards, no bank or store credit
cards)
7577 B13. (Other than store accounts where you have credit
cards), do you have any charge accounts at
stores where you owed money after your last payment?
1. YES
5. NO
0. Inap. (No credit cards, no bank or store credit
cards)
7576 B14. How many such accounts do you have where you owe
money?
CODE # ACCOUNTS
0. Inap. (No credit cards at stores where owed money
after last payment)
7575 B15. After these last payment(s) (was/were) made on
(this/these) accounts, what was the balance still
owed on (this/all these) account(s)?
CODE $ ACCOUNTS
0. Inap. (No credit cards at stores where owed money
after last payment)
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PRINCIPAL RESIDENCE
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501 D1. INTERVIEWER CHECKPOINT: WHERE DOES R LIVE?
1. R LIVES ON A RANCH OR FARM
2. R LIVES IN A MOBILE HOME
3. ALL OTHERS
R LIVES ON FARM/RANCH
502 D2. Now I have some questions about this property. About how
many acres is this (farm/ranch)?
Code ACRES
0. Inap. (Does not live on a farm)
503 D3. Do you (or anyone in your family living here) operate a
farming or ranching business on this property?
(IF R CLAIMS THE FARM ON HIS INCOME TAX, THEN THE
FARM IS A BUSINESS FOR OUR PURPOSES.)
1. YES
5. NO
0. Inap. (Does not live on a farm)
504 D3.1 Do you (or anyone in your family living here) rent out any
part of this property to others?
1. YES
5. NO
0. Inap. (Does not live on a farm, farm business)
505 D3.2 How much rent do you collect each month?--$ AMOUNT
Code actual amount
-1. NONE
0. Inap. (Does not live on a farm, farm business,
no rent)
506 D3.2 PER
2. Week
4. Month
5. Quarter
6. Year
-7. Other
0. Inap. (Does not live on a farm, farm business,
no rent)
507 D4. What part of this property is used for the farming or
ranching business?
Code PERCENT to 2 decimal places
9995. ALMOST ALL
-1. VERY LITTLE
0. Inap. (Does not live on a farm, no farm business)
7574 D4. What part of this property is used for the farming or
ranching business?
Code # ACRES
-1. VERY LITTLE
0. Inap. (Does not live on a farm, no farm business)
508 D5. What is the legal ownership status of this (farm/ranch).
Do you (or your family living here) own this (farm/ranch),
do you own part of it, do you rent it, is it all owned by
a business, or what?
1. OWNS ALL
2. OWNS PART
3. RENTS
4. OWNED BY A BUSINESS
5. SHARECROPPER
6. Housing is paid for by someone outside
PEU (including owned by NPEU); owned by
relative outside PEU; R pays only taxes
-7. OTHER
0. Inap. (Does not live on a farm, no farm business)
R OWNS ENTIRE FARM
509 D5.1. Does the (farming/ranching) business pay any rent for the
use of the property?
1. YES
5. NO
0. Inap. (Does not live on a farm, no farm business,
does not own entire farm)
510 D5.2. How much rent do you (or your family living here) collect
each month?--$ AMOUNT
Code actual amount
0. Inap. (Does not live on a farm, no farm business,
does not own entire farm, business does not
pay rent)
511 D5.2. PER
2. Week
4. Month
5. Quarter
6. Year
-7. Other
0. Inap. (Does not live on a farm, no farm business,
does not own entire farm, business does not
pay rent)
513 D5.3. Could you tell me the current value of all the land and the
buildings -- that is, about what would it
bring if it were sold today? Do not include any
farm animals, implements or crops.
Code actual amount
0. Inap. (Does not live on a farm, no farm business,
does not own entire farm)
FARM/RANCH OWNED BY A BUSINESS
514 D5.4 Do you (or your family living here) pay the business any
rent for this house?
1. YES
5. NO
0. Inap. (Does not live on a farm, no farm business,
farm not owned by a business)
515 D5.5. In what month and year did you move into this
(farm/ranch)?--MONTH
Code MONTH
0. Inap. (Does not live on a farm, no farm business,
farm not owned by a business)
516 D5.5. In what month and year did you move into this
(farm/ranch)?--YEAR
Code YEAR
1901. 1901 or earlier
0. Inap. (Does not live on a farm, no farm business,
farm not owned by a business)
R OWNS PART OF FARM/RANCH
517 D6. Does the (farming/ranching) business pay you (or your
family living here) any rent for the use of the property?
1. YES
5. NO
0. Inap. (Does not live on a farm, no farm business,
does not own part of farm)
518 D6.1. How much rent do you (or your family living here) collect
each month? -- AMOUNT
Code actual amount
0. Inap. (Does not live on a farm, no farm business,
does not own part of farm, farm does not pay rent)
519 D6.1. PER
2. Week
4. Month
5. Quarter
6. Year
11. Twice per year; every 6 months
-7. Other
0. Inap. (Does not live on a farm, no farm business,
does not own part of farm, farm does not pay rent)
520 D7. Do you (or anyone in your family living here) pay any rent
for this property?
1. YES
5. NO
0. Inap. (Does not live on a farm, no farm business,
does not own part of farm)
521 D7.1. How much rent do you (or your family living here)
pay each month? -- AMOUNT
Code actual amount
-1. NONE
0. Inap. (Does not live on a farm, no farm business,
does not own part of farm, does not pay rent)
522 D7.1. PER
2. Week
4. Month
5. Quarter
6. Year
-7. Other
0. Inap. (Does not live on a farm, no farm business,
does not own part of farm, does not pay rent)
523 D8. I will ask you more about the business operation later.
Now I'd like to ask about the part of the property that
you (and your family living here) personally own. About
what percent of the total property is that?
Code PERCENT to 2 decimal places
0. Inap. (Does not live on a farm, no farm business,
does not own part of farm)
7573 D8. I will ask you more about the business operation later.
Now I'd like to ask about the part of the property that
you (and your family living here) personally own. About
what percent of the total property is that?
Code # ACRES
0. Inap. (Does not live on a farm, no farm business,
does not own part of farm)
526 D10. Could you tell me the current value of the entire part of
the land and building you own? I mean, what would
it bring if it were sold today? Do not include any
farm animals, implements or crops.
Code actual amount
0. Inap. (Does not live on a farm, no farm business,
does not own part of farm)
R LIVES IN MOBILE HOME
601 D11. Now I have some questions about your home. Do you (or
your family living here) own both this mobile home and
site or lot, do you own only the mobile home, do you own
only the site, do you rent both the home and site, or
what?
1. OWN BOTH HOME AND SITE
2. OWN ONLY SITE
3. OWN ONLY HOME
4. RENT BOTH
-7. NEITHER OWNS NOR RENTS
0. Inap.
R OWNS ONLY SITE
602 D11.1 About how much rent do you pay on this home each month?
Code actual amount
-1. Nothing; zero
0. Inap. (Does not liven in mobile home, other
than owns only site of mobile home)
603 D11.1 PER
2. Week
4. Month
5. Quarter
6. Year
-7. Other
0. Inap. (Does not liven in mobile home, other
than owns only site of mobile home)
604 D11.2 Could you tell me the current value of the site? I mean,
about what would it bring if it were sold today?
Code actual amount
0. Inap. (Does not liven in mobile home, other
than owns only site of mobile home)
605 D11.3 In what month and year did you purchase this site?--MONTH
(INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN
RECEIVED.)
Code MONTH
0. Inap. (Does not liven in mobile home, other
than owns only site of mobile home)
606 D11.3 In what month and year did you purchase this site?--YEAR
Code YEAR
0. Inap. (Does not liven in mobile home, other
than owns only site of mobile home)
608 D11.3 INTERVIEWER CHECKPOINT: GIFT/INHERITANCE
1. Checked
5. Not checked
0. Inap. (Does not liven in mobile home, other
than owns only site of mobile home)
607 D11.4 How much did this site cost when you originally
acquired it?
(INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN
RECEIVED.)
Code actual amount
0. Inap. (Does not liven in mobile home, other
than owns only site of mobile home)
R NEITHER OWNS NOR RENTS MOBILE HOME
609 D11.5 How is that?
1. Housing is part of job compensation; live-in
servant; housekeeper; gardener; farm laborer
2. Housing is a gift paid for by someone outside HU;
owned by relative outside HU; R pays only taxes
3. Sold home, has not moved yet
4. Living in house which will inherit; estate in
process
5. Living in temporary quarters (garage, shed) while
home is under construction
0. Inap. (Does not liven in mobile home, owns or
rents mobile home)
610 D11.6 In what month and year did you move into this mobile home?
--MONTH
Code MONTH
0. Inap. (Does not liven in mobile home, owns or
rents mobile home)
611 D11.6 In what month and year did you move into this mobile home?
--YEAR
Code YEAR
0. Inap. (Does not liven in mobile home, owns or
rents mobile home)
R OWNS ONLY MOBILE HOME
612 D12. About how much rent do you pay on this site each month?
Code actual amount
-1. Zero; pays no rent
0. Inap. (Does not liven in mobile home, other
than owns only mobile home)
613 D12. PER
2. Week
4. Month
5. Quarter
6. Year
-7. Other
0. Inap. (Does not liven in mobile home, other
than owns only mobile home)
614 D12.1 Could you tell me the current value of this mobile home?
I mean, about what would it bring if it were sold today?
Code actual amount
0. Inap. (Does not liven in mobile home, other
than owns only mobile home)
615 D12.2 In what month and year did you purchase this mobile home?
--MONTH
(INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN
RECEIVED.)
Code MONTH
0. Inap. (Does not liven in mobile home, other
than owns only mobile home)
616 D12.2 In what month and year did you purchase this mobile home?
--YEAR
Code YEAR
0. Inap. (Does not liven in mobile home, other
than owns only mobile home)
618 D12.2 INTERVIEWER CHECKPOINT: GIFT/INHERITANCE
1. Checked
5. Not checked
0. Inap. (Does not live in mobile home, other
than owns only mobile home)
For the public use tape, the response of 1 is
set to 5.
617 D12.3 How much did this mobile home cost when you
originally acquired it ?
(INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN
RECEIVED.)
Code actual amount
0. Inap. (Does not live in mobile home, other
than owns only mobile home)
R RENTS MOBILE HOME AND SITE
619 D13. About how much rent do you pay on this home and site each
month?
Code actual amount
-1. NONE
-2. Rental housing fully subsidized
0. Inap. (Does not live in mobile home, does
not rent mobile home and site)
620 D13. PER
2. Week
4. Month
5. Quarter
6. Year
-7. Other
0. Inap. (Does not live in mobile home, does
not rent mobile home and site)
621 D13.1 In what month and year did you move into this mobile home?
--MONTH
Code MONTH
0. Inap. (Does not live in mobile home, does
not rent mobile home and site)
622 D13.1 In what month and year did you move into this mobile home?
--YEAR
Code YEAR
0. Inap. (Does not live in mobile home, does
not rent mobile home and site)
R OWNS BOTH MOBILE HOME AND SITE
623 D14. Could you tell me the current value of this home and site?
I mean, about what would they bring if they were sold
today?
Code actual amount
0. Inap. (Does not live in mobile home, does
not own mobile home and site)
624 D15. Were the site and mobile home purchased separately?
1. YES
5. NO
0. Inap. (Does not liven in mobile home, does
not own mobile home and site)
625 D15.1 In what month and year did you purchase this mobile home?
--MONTH
Code MONTH
0. Inap. (Does not liven in mobile home, does
not own mobile home and site, mobile home and
site purchased together)
(INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN
RECEIVED.)
628 D15.1 INTERVIEWER CHECKPOINT: GIFT/INHERITANCE
1. Checked
5. Not checked
0. Inap. (Does not liven in mobile home, does
not own mobile home and site, mobile home and
site purchased together)
626 D15.1 In what month and year did you purchase this mobile home?
--YEAR
Code YEAR
0. Inap. (Does not liven in mobile home, does
not own mobile home and site, mobile home and
site purchased together)
627 D15.2 How much did the mobile home cost when you
originally acquired it?
(INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN
RECEIVED.)
Code actual amount
0. Inap. (Does not liven in mobile home, does
not own mobile home and site, mobile home and
site purchased together)
629 D15.3 In what month and year did you purchase this
site?--MONTH
(INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN
RECEIVED.)
Code MONTH
0. Inap. (Does not liven in mobile home, does
not own mobile home and site, mobile home and
site purchased together)
632 D15.3 GIFT/INHERITANCE
1. Checked
5. Not checked
0. Inap. (Does not liven in mobile home, does
not own mobile home and site, mobile home and
site purchased together)
630 D15.3 In what month and year did you purchase this site?--YEAR
Code YEAR
0. Inap. (Does not liven in mobile home, does
not own mobile home and site, mobile home and
site purchased together)
631 D15.4 How much did this site cost when you
originally acquired it?
(INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN
RECEIVED.)
Code actual amount
0. Inap. (Does not live in mobile home, does
not own mobile home and site, mobile home and
site purchased together)
633 D15.5 In what month and year did you purchase this mobile home and
site?--MONTH
Code MONTH
0. Inap. (Does not liven in mobile home, does
not own mobile home and site, mobile home and
site purchased separately)
(INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN
RECEIVED.)
636 D15.5 GIFT/INHERITANCE
1. Checked
5. Not checked
0. Inap. (Does not liven in mobile home, does
not own mobile home and site, mobile home and
site purchased separately)
634 D15.5 In what month and year did you purchase this mobile home and
site?--YEAR
Code YEAR
0. Inap. (Does not liven in mobile home, does
not own mobile home and site, mobile home and
site purchased separately)
635 D15.6 How much did the mobile home and site cost when
you originally acquired it?
(INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN
RECEIVED.)
Code actual amount
0. Inap. (Does not liven in mobile home, does
not own mobile home and site, mobile home and
site purchased separately)
701 D16. Now I have some questions about your home. Do you (and
your family living here) own this (house and
lot/apartment/farm/ranch), do you pay rent, do you own it
as a part of a condo, co-op, townhouse association, or
what?
1. OWNS OR IS BUYING; LAND CONTRACT
2. PAYS RENT
3. CONDO
4. CO-OP
5. TOWNHOUSE ASSOC.
6. RETIREMENT LIFETIME TENANCY
-7. NEITHER OWNS NOR RENTS
0. Inap. (Lives on farm run as business,
lives in mobile home)
7572 D16.1 Are you required to pay regular fees to an
association or property management group in
order to live here?
1. YES
5. NO
0. Inap. (Lives on farm run as business,
lives in mobile home, house not condo/co-op/townhouse)
703 D16.2 How much are your fees?
Code actual amount
-1. NONE/No regular payment/No typical payment
0. Inap. (Lives on farm run as business,
lives in mobile home, house not condo/co-op/townhouse)
704 D16.2 PER
2. Week
4. Month
5. Quarter
6. Year
11. Twice per year; every 6 months
-7. Other
0. Inap. (Lives on farm run as business,
lives in mobile home, house not condo/co-op/townhouse)
D16.3 INTERVIEWER OBSERVATION: DOES R LIVE IN MULTIPLE HU
STRUCTURE?
R NEITHER OWNS NOR RENTS
705 D16.4 How is that?
1. Housing is part of job compensation; live-in
servant; housekeeper; gardener; farm laborer
2. Housing is a gift paid for by someone outside
PEU (including owned by NPEU); owned by
relative outside PEU; R pays only taxes
3. Sold home, has not moved yet
4. Living in house which will inherit; estate in
process
5. Living in temporary quarters (garage, shed) while
home is under construction
0. Inap. (Lives on farm run as business,
lives in mobile home, owns or rents house)
-7. Other
For the public use tape, responses of 5, and 6 are set
to -7.
706 D16.5 In what month and year did you move into this home?--MONTH
Code MONTH
0. Inap. (Lives on farm run as business,
lives in mobile home, owns or rents house)
707 D16.5 In what month and year did you move into this home?--YEAR
Code YEAR
0. Inap. (Lives on farm run as business,
lives in mobile home, owns or rents house)
For the public use tape, the year is bottom-coded
at 1920.
R PAYS RENT
708 D17. How much rent do you pay a month for this (house/
apartment/farm/ranch)?
Code actual amount
-1. NONE
-2. Rental housing fully subsidized
0. Inap. (Lives on farm run as business and does
not rent farm, lives in mobile home, does not
rent house)
709 D17. PER
2. Week
4. Month
5. Quarter
6. Year
-7. Other
0. Inap. (Lives on farm run as business and does
not rent farm, lives in mobile home, does not
rent house)
710 D17.1 Does that include some or all utilities?
1. YES, ALL
3. YES, SOME
5. NO
0. Inap. (Lives on farm run as business and does
not rent farm, lives in mobile home, does not
rent house)
711 D17.2 Do you rent it furnished or unfurnished?
1. FURNISHED
3. PARTIALLY FURNISHED
5. UNFURNISHED
0. Inap. (Lives on farm run as business and does
not rent farm, lives in mobile home, does not
rent house)
712 D17.3 In what month and year did you move into this (house/
apartment/farm/ranch)?--MONTH
Code MONTH
0. Inap. (Lives on farm run as business and does
not rent farm, lives in mobile home, does not
rent house)
713 D17.3 In what month and year did you move into this (house/
apartment/farm/ranch)?--YEAR
Code YEAR
0. Inap. (Lives on farm run as business and does
not rent farm, lives in mobile home, does not
rent house)
R LIVES IN MULTIPLE HU STRUCTURE
702 D16a. INTERVIEWER CHECKPOINT: OBSERVATION
1. R LIVES IN MULTIPLE HU STRUCTURE
2. ALL OTHERS
0. Inap. (Lives on farm run as business,
lives in mobile home)
714 D18. Do you own the entire building or just your unit?
1. ENTIRE BUILDING
2. JUST R'S UNIT
0. Inap. (Lives on farm run as business, lives
in mobile home, does not own house, does not
live in a multiple HU structure)
715 D18a. The next few questions are about the entire property. How
many housing units are in this building?
Code UNITS
95. 95 units or more
0. Inap. (Lives on farm run as business, lives
in mobile home, does not own house, does not
live in a multiple HU structure)
ALL HOMEOWNERS EXCEPT MOBILE HOMES/FARMS OWNED BY A BUSINESS
716 D19. (The following questions about your home refer to
your unit only). What is the current value of this
(home and land/apartment/property)? I mean, about
what would it bring if it were sold today?
(IWER: PROPERTY REFERS TO WHATEVER PART R OWNS OF THEIR
HOUSE AND LOT, APARTMENT, BUILDING, FARM, OR RANCH.)
Code actual amount
0. Inap. (Lives on farm run as business, lives
in mobile home, does not own house)
719 D20. In what month and year did you first purchase
any part of this property?--MONTH
Code MONTH
0. Inap. (Lives on farm owned by a business, rents
farm, lives in mobile home, does not own house)
720 D20. In what month and year did you first purchase
any part of this property?--YEAR
Code YEAR
0. Inap. (Lives on farm owned by a business, rents
farm, lives in mobile home, does not own house)
For the public use tape, the year is bottom-coded
at 1920.
718 D20. GIFT/INHERITANCE
1. Checked
5. Not checked
0. Inap. (Lives on farm owned by a business, rents
farm, lives in mobile home, does not own house)
717 D21. How much did it cost when you first acquired it?
Code actual amount
0. Inap. (Lives on farm owned by a business, rents
farm, lives in mobile home, does not own house)
721 D22. What are the real estate taxes per year on this (home and
land/apartment/property)?
Code actual amount
-1. NONE/No regular payment/No typical payment
0. Inap. (Lives on farm owned by a business, rents
farm, does not own house)
722 D22. PER
2. Week
4. Month
5. Quarter
6. Year
11. Twice per year; every 6 months
-7. Other
0. Inap. (Lives on farm owned by a business, rents
farm, lives in mobile home, does not own house)
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PRINCIPAL RESIDENCE MORTGAGES/LAND CONTRACTS
-----------------------------------------------------------------------------
723(1) D23. Is there a mortgage or land contract on this (home and
land/apartment/ property)? (DO NOT INCLUDE HOME
EQUITY LOANS OR LINES OF CREDIT)
1. YES, MORTGAGE
2. YES, LAND CONTRACT
5. NO
0. Inap. (Not homeowner)
830(2) D40. Do you have a second mortgage or a land contract on this
property? (Please do not include any home equity lines of
credit.) [INTERVIEWER: A HOME EQUITY LINE OF CREDIT
IS AN AGREEMENT WHERE THE R CAN BORROW AT ANY TIME
USING THE HOUSE AS COLLATERAL, UP TO SOME LIMIT.
A HOME EQUITY LOAN IS A FIXED LENGTH, FIXED MONTHLY
PAYMENT LOAN.]
1. YES, 2ND MORTGAGE
2. YES, LAND CONTRACT
5. NO
0. Inap. (Not homeowner, no first loan)
931(3) D40.1 Do you have any other loans that use this property as
collateral? (Please do not include any home equity lines
of credit.)
1. YES
5. NO
0. Inap. (Not homeowner, no second loan)
724 D24. Is the first or main mortgage a federally guaranteed
mortgage, such as FHA or VA?
1. YES
5. NO
0. Inap. (Not homeowner, no loan, 1st loan is
land contract)
725 D24.1 Does this mortgage carry any type of private mortgage
insurance or PMI against default? (IF R ASKS: DO NOT
INCLUDE MORTGAGE LIFE INSURANCE.)
1. YES
5. NO
0. Inap. (Not homeowner, no loan, 1st loan is
land contract, FHA/VA loan)
726 D25. Is it an FHA mortgage, a VA mortgage, or is it from some
other program?
1. FHA (Federal Housing Admin.)
2. VA
3. Federal Land Bank
4. "Fannie Mae" (Federal National Mortgage Assn)
5. "Freddie Mac" (Federal Home Loan Mortgage Corp)
6. Other governmental guarantor
7. Other non-governmental guarantor
-7. OTHER
0. Inap. (Not homeowner, no loan 1st loan is
land contract, not FHA/VA loan)
727 D26. Why did you choose this type of loan?
CREDIT TERMS/COST OF LOAN
1. Interest rate--low(er)/reasonable/best available
rates
4. Finance charges low(er) or none (other than interest
or NA if includes interest)
5. Amount of the down payment
6. Size of (monthly) payments; payment amount; longer
contracts--more time to pay off loan
9. Easier to get credit--require less information/
collateral; less stringent rules for giving credit;
get credit approval faster; no red tape
25. Credit terms/arrangements--NA what; "affordable
terms"
26. Give the best (a better) deal--NA how
29. Other credit terms or cost of loan
CHARACTERISTICS OF CREDIT INSTITUTION
31. Good reputation--reputable, well known; honest;
stable; reliable; experienced; professional
41. Availability of credit: "they would lend me the
money"; "I could qualify for a loan"; "only place I
could get a loan"; was eligible; qualified; a
veteran (VA loan)
49. Other characteristics of credit institution
MISCELLANEOUS
80. No choice; only source/lender/institution (not 41);
"only place in town"
81. Familiarity; R has previous/good experience dealing
with institution; has (other) accounts there, been
treated well/fairly in past; am a credit union
member
83. Recommended or arranged by dealer/store/contractor/
realtor
84. Recommended by others
88. Convenient/Easy--n.e.c.
90. Reason for lender choice related to item
purchased-- "assumed mortgage" (i.e., lender choice
already made when R chose this house) (low priority)
91. Like/Trust them--NA why
0. Inap. (Not homeowner, no loan, 1st loan is
land contract, not FHA/VA loan)
801(1) D27. About the (mortgage/land contract/second mortage/other
901(2) loan), in what month and year did you obtain or last
1001(3) refinance it?--MONTH
Code MONTH
0. Inap. (Not homeowner, no loan, no further loans)
802(1) D27. About the (mortgage/land contract/second mortage/other
902(2) loan), in what month and year did you obtain or last
1002(3) refinance it?--YEAR
Code YEAR
0. Inap. (Not homeowner, no loan, no further loans)
803(1) D27.1 Was this (mortgage/land contract) assumed from the
903(2) previous owner?
1. YES
5. NO
0. Inap. (Not homeowner, no loan, no further loans)
804(1) D28. How much did you borrow or refinance?
904(2)
1004(3)
Code actual amount
0. Inap. (Not homeowner, no loan, no further loans)
805(1) D29. How much is still owed on this loan?
905(2)
1005(3)
Code actual amount
0. Inap. (Not homeowner, no loan, no further loans)
806(1) D30. How many years or payments did you agree upon when the loan
906(2) was taken out or refinanced?--# YEARS
1006(3)
Code # YEARS
-1. NO SET #
0. Inap. (Not homeowner, no loan, no further loans)
807(1) D30. How many years or payments did you agree upon when the loan
907(2) was taken out or refinanced?--# PAYMENTS
1007(3)
Code # PAYMENTS
-7. Number of years reported and no regular
payments on loan. Number of payments cannot
be computed.
-1. NO SET #
0. Inap. (Not homeowner, no loan, no further loans)
9154(1) R. Term of loan in months
9155(2)
9156(3) Code # MONTHS
0. Inap. (Not homeowner, no loan, no further loans)
808(1) D31. How much are the payments and how often are they due?
908(2)
1008(3)
Code actual amount
-1. NO REG. PAYMENTS; NONE
0. Inap. (Not homeowner, no loan, no further loans,
no set # payments)
809(1) D31. PER
909(2)
1009(3)
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
11. Twice per year; every 6 months
12. Bimonthly
-7. Other
0. Inap. (Not homeowner, no loan, no further loans,
no set # payments)
810(1) D32. Do the payments include property taxes or home
owners insurance? (Which?)
1. TAXES ONLY
2. INSURANCE ONLY
3. BOTH
4. NEITHER
0. Inap. (Not homeowner, no loan, no further loans,
no set # payments, no regular payments)
811(1) D33. Will the regular payments repay the loan completely, or
911(2) will there be a balance payable, or "balloon" payment,
1011(3) when the loan is due?
1. REPAY COMPLETELY
2. BALLOON
0. Inap. (Not homeowner, no loan, no further loans,
no set # payments, no regular payments)
812(1) D33.1 What will the balance due or balloon payment be?
912(2)
1012(3)
Code actual amount
0. Inap. (Not homeowner, no loan, no further loans,
no set # payments, no regular payments, no balloon)
813(1) D34. What is the typical payment and how often is it made?
913(2)
1013(3)
Code actual amount
-1. NO TYPICAL PAYMENTS: NONE
0. Inap. (Not homeowner; no loan; no further loans;
set number of payments and regular payments)
814(1) D34. PER
914(2)
1014(3)
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
-7. Other
0. Inap. (Not homeowner; no loan; no further loans;
set number of payments and regular payments)
815(1) D34.1 When do you expect this loan to be repaid?
915(2)
1015(3)
Code YEAR
0. Inap. (Not homeowner; no loan; no further loans;
set number of payments and regular payments)
7571(1) D34.2 Are you paying off this loan ahead of schedule,
7570(2) behind schedule, or are the payments about on
7569(3) schedule?
1. On schedule
2. Ahead of schedule
3. Behind schedule
816(1) D35. What is the current annual rate of interest being charged
916(2) on the loan?
1016(3)
Code % to 2 decimal places
(ex. 10 3/4 = 1075)
-1. Zero; no interest
0. Inap. (Not homeowner, no loan, no further loans)
817(1) D36. Please look at the Institutions Card. Is the loan
917(2) with any of the institutions on the Institutions Card, or
1017(3) from someplace else? (IF CARD A: Which institution?)
(IF SOMEPLACE ELSE: What type of institution is
that?) (INTERVIEWER: CHECK INSTITUTION CARD AND
UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS
POINT.)
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (Not homeowner, no loan, no further loans)
9083(1) R. Type of institution in X817
9084(2)
9085(3) See FINANCIAL INSTITUTIONS master reference list
0. Inap. (Not homeowner, no loan, no further loans)
7568(1) D36.1 Is this the same institution as the one from which
you originally took out this loan?
1. YES
5. NO
0. Inap. (Not homeowner, no loan, no further loans)
918(2) D37. Was the money from this loan used for the purchase of this
1018(3) home or for some other purpose? (What other purpose?)
Use LOAN PURPOSE Master Code, except:
0. Inap. (Not homeowner, no loan, no further loans)
819(1) D38. (SHOW CARD 3) What is the most important reason you chose
this lender? (Was it because they were recommended to
you, because they had low interest rates, because
of the location of their offices, because you had
done other business with them, because it was
easier to qualify for the loan, or for some other reason?)
1. RECOMMENDED
2. LOW INTEREST
3. LOCATION
4. OTHER BUSINESS
5. EASY TO QUALIFY; only place that would give us a
loan
6. MANY/SPECIAL SERVICES IN ONE PLACE
10. Low fees/service charges
11. Personal relationship; they know me;
know/like them; freindly;
R/Spouse works there
21. No choice--assumed existing debt and lender from
previous owner
22. No choice--financed through contractor/developer/
prev. owner/builder and this was their financial
institution
23. Advertisement
24. Convenient hours
25. No particular reason
26. No other institutions
-7. OTHER including combinations
0. Inap. (Not homeowner, no loan)
820(1) D39. Is this an adjustable rate (mortage/loan);
920(2) that is, does it have an interest rate
1020(3) that can rise or fall from time to time?
1. YES
5. NO
0. Inap. (Not homeowner, no loan)
821(1) D39.1 Does the change in your interest rate depend on some other
interest rate?
1. YES
5. NO
0. Inap. (Not homeowner, no loan, not adjustable rate)
822(1) D39.2 On what other rate does it depend?
1. Consumer Price Index; "CPI"; "cost of living"
2. GNP (Gross National Produce) Deflater
3. Prime (interest) Rate; LIBOR
4. Treasury Bill Rate; "T-Bill rate"
5. "Current rate" or "going rate"--NFS
6. District/regional rate
11. FHLBB (Fed. Home Loan Bank Board)
12. FSLIC (Fed. Savings and Loan Ins. Corp.)
13. Fannie Mae
14. Bank CD rate
15. Federal Funds Rate
16. Misc. bond indices
-7. Other
0. Inap. (Not homeowner, no loan, not adjustable rate,
rate doe not depend on another rate)
823(1) D39.3 How often can your interest rate change in a given
year?
Code number of times
-1. Continuously floating
0. Inap. (Not homeowner, no loan, not adjustable rate)
824(1) D39.3 PER
4. Month
5. Quarter
6. Year
8. Lump sum/one payment only/in total
11. 6 months
12. Bimonthly
13. Every 3 years
14. At 7 years
15. Continuously floating rate; whenever rate changes
-7. Other
0. Inap. (Not homeowner, no loan, not adjustable rate)
825(1) D39.4 When the interest rate on your mortgage changes,
does the size of your monthly payments also change?
1. YES
5. NO
0. Inap. (Not homeowner, no loan, not adjustable rate)
826(1) D39.5 What is the most the rate can rise at any one time?
(POINTS = PERCENTAGE POINTS)
Code % to 2 decimal places
(ex. 10 3/4 = 1075)
-2. NO LIMIT
0. Inap. (Not homeowner, no loan, not adjustable rate)
828(1) D39.6 What was the interest rate on this mortgage when you first
got it?
Code % to 2 decimal places
-2. NO LIMIT
0. Inap. (Not homeowner, no loan, not adjustable rate)
827(1) D39.7 What is the highest the rate can go over the life of the
loan?
Code % to 2 decimal places
-2. NO LIMIT
0. Inap. (Not homeowner, no loan, not adjustable rate)
829(1) D39.8 Is this a convertible mortgage; that is do you have an
option to convert it to a mortgage with a fixed interest
rate?
1. YES
5. NO
0. Inap. (Not homeowner, no loan, not adjustable rate)
FOR OTHER LOANS ASSOCIATED WITH HOME PURCHASE, SEE "CONSUMER LOANS"
-----------------------------------------------------------------------------
LINES OF CREDIT
-----------------------------------------------------------------------------
1101 D52. Do you (or anyone in your family living here) have a home
equity line of credit, or any other lines of credit, not
counting credit cards or business lines of credit? Please
include such lines of credit even if you are not currently
drawing against them.
(IF R ASKS: A LINE OF CREDIT IS A FORMAL AGREEMENT WITH A
LENDER THAT ALLOWS R TO BORROW UP TO AN AGREED UPON LIMIT
AND PAY IT OFF AS R DESIRES. A HOME EQUITY LINE OF CREDIT
IS A LINE OF CREDIT SECURED BY THE EQUITY IN R'S HOME.)
(ASKED OF HOMEOWNERS)
D68. Do you (or anyone in your family living here) have any
lines of credit, not counting credit cards or business
lines of credit? Please include such lines of credit
even if you are not currently drawing against them.
(IF R ASKS: A LINE OF CREDIT IS A FORMAL AGREEMENT WITH A
LENDER THAT ALLOWS R TO BORROW UP TO A SPECIFIED LIMIT AND
PAY IT OFF AS R DESIRES.) (ASKED OF NON-HOMEOWNERS)
1. YES
5. NO
1102 D53. How many lines of credit do you (and your family living
here) have? (ASKED OF HOMEOWNERS)
Code # LINES OF CREDIT
0. Inap. (No lines of credit)
7563 D68.1 How many lines of credit do you (and your family living
here) have? (ASKED OF NON-HOMEOWNERS)
Code # LINES OF CREDIT
0. Inap. (No lines of credit)
7562 D69 # OF LINES OF CREDIT
1103 (#1) D53.1 Is (this/the largest/next) line of credit secured by the
1114 (#2) equity in your home?
1125 (#3)
1. YES
5. NO
0. Inap. (No lines of credit, no further lines of credit)
1104 D53.2 What is the maximum amount you could borrow on this line
1115 of credit?
1126
Code actual amount
0. Inap. (No lines of credit, no further lines of credit)
7561 (#1) D69.1 What is the maximum amount you could borrow on
7560 (#2) (this/the largest/the next largest) line of credit?
7559 (#3) (ASKED FOR NON-HOMEOWNERS)
Code actual amount
0. Inap. (No lines of credit)
1105 D53.3 Are you currently borrowing any money against this line of
1116 credit? (ASKED FOR HOMEOWNERS)
1127
1. YES
5. NO
0. Inap. (No lines of credit, no further lines of credit)
7558 (#1) D69.2 Are you currently borrowing any money against this line
7557 (#2) of credit? (ASKED OF NON-HOMEOWNERS)
7556 (#3)
1. YES
5. NO
0. Inap. (No lines of credit)
1106 (#1a) D53.4 What was the money used for? (What was its major use?)
1107 (#1b) (ASKED FOR HOMEOWNERS)
1117 (#2a) D69.3 What was the money used for? (What was its major use?)
1118 (#2b) (ASKED FOR NON-HOMEOWNERS)
1128 (#3a)
1129 (#3b)
Use LOAN PURPOSE Master Code, except:
0. Inap. (No lines of credit, not borrowing, no
further lines of credit)
1108 D53.5/ How much is currently owed?
1119 D69.4
1130 Code actual amount
0. Inap. (No lines of credit, not borrowing, no
further lines of credit)
1109 D53.6/ What is the typical payment and how often is it made?
1120 D69.5
1131 Code actual amount
-1. NO TYPICAL PAYMENTS; NONE
0. Inap. (No lines of credit, not borrowing, no
further lines of credit)
1110 D53.6/ PER
1121 D69.5
1132 2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
8. Lump sum;one payment only
-7. Other
0. Inap. (No lines of credit, not borrowing, no
further lines of credit)
1111 D53.7/ What is the current annual rate of interest being
1122 D69.6 charged on this loan?
1133
Code %
-1. Zero; no interest
0. Inap. (No lines of credit, not borrowing, no
further lines of credit)
1112 D53.8/ (Please look at the Institutions Card.) Is this
1123 D69.7 line of credit with any of the institutions on
1134 the Institutions Card, or from someplace else?
(IF the Institutions Card: Which institution?)
(IF SOMEPLACE ELSE: What type of institution is that?
(INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IF
A NEW INSTITUTION IS MENTIONED AT THIS POINT.)
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No lines of credit, not borrowing, no
further lines of credit)
9087 R: Type of institution
9088
9089
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No lines of credit, not borrowing, no
further lines of credit)
1113 D53.9/ INTERVIEWER: IS THERE ANOTHER LINE OF CREDIT?
1124 D69.8
1135
1136 D53.10/ What is the total amount that you (and your family
D70 living here) currently owe on all other remaining lines of
credit?
Code actual amount
-1. Nothing; zero
0. Inap. (No lines of credit, no further lines of credit)
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ADDITIONS AND IMPROVEMENTS TO PRINCIPAL RESIDENCE
-----------------------------------------------------------------------------
1201 D54. Have you (and your family living here) ever made any major
additions or done extensive remodeling to this property?
1. YES
5. NO
0. Inap. (Not homeowner)
1202 D54.1 Roughly what was the total cost of all such major
additions or remodeling?
Code actual amount
0. Inap. (Not homeowner, no home improvements)
FOR LOANS ASSOCIATED WITH HOME IMPROVEMENTS, SEE "CONSUMER LOANS"
-----------------------------------------------------------------------------
RENT OUT PART OF PRINCIPAL RESIDENCE
-----------------------------------------------------------------------------
1223 D67. Do you or anyone in your family here) rent out any portion
of this (house or lot/apartment/mobile home/building) to
others? (ASKED OF RS WHO DO NOT LIVE ON FARM/RANCH)
1. YES
5. NO
0. Inap. (Not homeowner, lives on farm or ranch)
1224 D67.1 How much rent do you collect each month?
Code actual amount
-1. NONE
0. Inap. (Not homeowner, lives on farm or ranch,
no rent)
1225 D67.1 PER
2. Week
4. Month
5. Quarter
6. Year
-7. Other
0. Inap. (Not homeowner, lives on farm or ranch,
no rent)
Top of Page
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LAND CONTRACTS AND NOTES FOR REAL ESTATE SALES
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1401 E1. Have you (or anyone in your family living here) ever sold
real estate for which you loaned money to the buyer?
Please include accepting a note, land contract or mortgage
from the buyer. (IF YES, SAY: We do not want to include
any property owned by a business which you own or have an
interest in.)
1. YES
5. NO
1402 E2. Does the buyer still owe (you/your family) money on any of
these notes, land contracts, or mortgages?
1. YES
5. NO
0. Inap. (Never sold real estate)
1403 E2.1 Altogether, on how many such loans (are you/is your
family) owed money?
Code # NOTES/LAND CONTRACTS/MORTGAGES
95. 95 or more
0. Inap. (Never sold real estate, no money still owed)
LOAN/LAND CONTRACT
1404 E3. (About the [largest/next] loan ...) Is it a land
1504 contract, a mortgage, or something else?
1604
1. LAND CONTRACT
2. MORTGAGE
3. SOMETHING ELSE
0. Inap. (Never sold real estate, no money still
owed, no other loan)
1405 E4. How much are you (and your family) owed on this note?
1505
1605
Code actual amount
0. Inap. (Never sold real estate, no money still
owed, no other loan, type of loan is mortgage)
1406 E5. In what month and year was this (mortgage/land contract)
1506 taken out?--MONTH
1606
Code MONTH
0. Inap. (Never sold real estate, no money still
owed, no other loan, type of loan is note)
1407 E5. In what month and year was this (mortgage/land contract)
1507 taken out?--YEAR
1607
Code YEAR
0. Inap. (Never sold real estate, no money still
owed, no other loan, type of loan is note)
1408 E6. How much did (you/your family) lend the borrower?
1508
1608
Code actual amount
0. Inap. (Never sold real estate, no money still
owed, no other loan, type of loan is note)
1409 E7. How much is still owed on this (mortgage/land contract)?
1509
1609
Code actual amount
0. Inap. (Never sold real estate, no money still
owed, no other loan, type of loan is note)
1410 E8. How much are the (mortgage/land contract) payments and how
1510 often are they due?
1610
Code actual amount
-1. NO REGULAR PAYMENTS; NONE
0. Inap. (Never sold real estate, no money still
owed, no other loan, type of loan is note)
1411 E8. PER
1511
1611
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
8. Lump sum
11. Twice per year; every 6 months
-7. Other
0. Inap. (Never sold real estate, no money still
owed, no other loan, type of loan is note, no
regular payments)
1412 E9. How many years or payments were agreed upon when the
1512 (mortgage/land contract) was taken out?--# YRS
1612
Code # YRS
-1. NO SET NUMBER
0. Inap. (Never sold real estate, no money still
owed, no other loan, type of loan is note, no
regular payments)
1413 E9. How many years or payments were agreed upon when the
1513 (mortgage/land contract) was taken out?--# PAYMENTS
1613
Code # PAYMENTS
0. Inap. (Never sold real estate, no money still
owed, no other loan, type of loan is note, no
regular payments)
1414 E10. Will the regular payments pay off the (mortgage/land
1514 contract) completely or will there be a balance payable or
1614 "balloon" when the (mortgage/land contact) is due?
1. REPAY COMPLETELY
5. BALLOON
0. Inap. (Never sold real estate, no money still
owed, no other loan, type of loan is note, no
regular payments)
1415 E10a. What will the balance payable or balloon payment be?
1515
1615
Code actual amount
0. Inap. (Never sold real estate, no money still
owed, no other loan, type of loan is note, no
regular payments, no balloon)
1416 E11. Do you (or your family living here) still owe any money on
1516 loans for this property?
1616
1. YES
5. NO
0. Inap. (Never sold real estate, no money still
owed, no other loan)
1417 E11.1 How much do you still owe?
1517
1617
Code actual amount
0. Inap. (Never sold real estate, no money still
owed, no other loan, nothing still owed)
E12 INTERVIEWER: IS THERE ANOTHER LOAN/LAND CONTRACT?
1619 E13. About how much in total is owed to (you/your family) on
the remaining notes, land contracts or mortgages?
Code actual amount
0. Inap. (Never sold real estate, no money still
owed, no other loan)
1620 E13.1 Do you (or your family here) still owe any money on loans
for these other properties?
1. YES
5. NO
0. Inap. (Never sold real estate, no money still
owed, no other loan)
1621 E13.2 Altogether how much (do you/does your family) still owe?
Code actual amount
0. Inap. (Never sold real estate, no money still
owed, no other loan, nothing still owed)
-----------------------------------------------------------------------------
OTHER REAL ESTATE
-----------------------------------------------------------------------------
1700 E14. Do you (or anyone in your family living here) own any
(other) real estate such as a lot, vacation home,
time share, apartment building, commercial
property, or other investment property, including
properties owned in partnership with other people?
1. YES
5. NO
7555 E14.1 Are any of these properties owned by a business?
(IF yes say: I'll ask about these properties later).
1. YES
5. NO
1701 E15. How many properties that are not owned by a
business do you (and your family living
here) own or have an interest in?
Code # PROPERTIES
-1. NONE
0. Inap. (No property)
1703 E16. EDITOR PRECODE--BUSINESS/JOB CONNECTION
1803
1903
1. This property associated with Bus #1 at M5a
2. " " " " Bus #2 " "
3. " " " " Bus #3 " "
4. This property is associated with business listed at
M5a, BUT it is a) a business beyond #3 (at M19a-c)
or (b) associated with more than one M5a business or
(c) NA which business
5. Property not associated with a business at M5a-M19c
or a property at E2
6. This property is associated with R's main job (at R2
or R14)
7. This property is associated with S/P's main job (at
S2 or S14)
LOTS/LAND
10. Farm/ranch--any mention
11. Land only: lot, tract, acreage; building lots;
"farmland"
12. Land and (seasonal) residence (exc. 14); "house +
50 acres"
13. Land and some other type of structure
14. Land and trailer/mobile home
SEASONAL RESIDENCE
21. Seasonal/vacation house (winter/summer home;
cottage; hunting cabin)
22. Trailer/Mobile home
25. Time-share ownership--any
OTHER REAL ESTATE
40. One single family house
41. Multiple single family houses
42. Duplex; 2 unit residential
43. Triplex; 3 unit residential
44. Fourplex; 4 unit residential
45. 5 or more unit residential
46. "Apartment house"-NA # units; "rental" units or
property--NFS
47. Other business/commercial property (exc. 41-46)
48. Business/commercial and residential combination
49. Condominium (include NA if own use or if one unit or
a building)
50. Residential
51. Garage
-7. Other, including combinations
0. Inap. (No property, no additional property)
1704 E17. Is this property owned by you (and your family living
1804 here), is it owned jointly with others, owned by a
1904 partnership, or what?
1. OWNED BY R/SPOUSE
2. OWNED JOINTLY
3. PARTNERSHIP
4. REAL ESTATE INVEST TRUST
5. TIMESHARE
6. Managed trust of similar legal arrangememt
-7. OTHER including combinations
0. Inap. (No property, no additional property)
1705 E17.1 What percentage of the property do you (and your family
1805 living here) own?
1905
(SET TO 10000 WHEN E17=1)
Code PERCENT to 2 decimal places
10000. ALL
0. Inap. (No property, no additional property)
1706 E18. How much in total is this property worth; I mean what
1806 would it bring if it were sold today? (EXCEPT FOR
1906 TIME SHARE, WE WANT THE TOTAL VALUE NOT JUST R'S SHARE.
FOR E18-E33, NOTE IF R ONLY KNOWS THEIR SHARE.)
Code actual amount
-1. NOTHING
0. Inap. (No property, no additional property)
1707 E19. In what month and year did you first acquire any
1807 part of this property? (When did R acquire it?)--MONTH
1907
Code MONTH
0. Inap. (No property, no additional property)
1710 E19. CHECKPOINT: GIFT/INHERITANCE
1810
1910
1. Checked
5. Not checked
0. Inap. (No property, no additional property)
1708 E19. In what month and year did you first acquire any
1808 part of this property? (When did R acquire it?)--YEAR
1908
Code YEAR
0. Inap. (No property, no additional property)
For the public use tape, the year is bottom-coded
at 1920.
1709 E20. What was the total purchase price? (If
1809 gift/inheritance, ask value when received.)
1909
Code actual amount
-1. NOTHING
0. Inap. (No property, no additional property)
1711 E21. Are there any outstanding loans or mortgages on this
1811 property?
1911
1. YES
5. NO
0. Inap. (No property, no additional property)
1712 E22. In what month and year did you obtain the loan or last
1812 refinance the loan?--MONTH
1912
Code MONTH
0. Inap. (No property, no additional property, no loan)
1713 E22. In what month and year did you obtain the loan or last
1813 refinance the loan?--YEAR
1913
Code YEAR
0. Inap. (No property, no additional property, no loan)
1714 E23. How much was borrowed or refinanced?
1814
1914
Code actual amount
0. Inap. (No property, no additional property, no loan)
1715 E24. How much is still owed?
1815
1915
Code actual amount
0. Inap. (No property, no additional property, no loan)
1716 E25. How many years or what number of payments were
1816 agreed upon when the loan was taken out?--# YEARS
1916
Code # YEARS
-1. NO SET NUMBER
0. Inap. (No property, no additional property, no loan)
1717 E25. How many years or what number of payments were
1817 agreed upon when the loan was taken out?--# PAYMENTS
1917
Code # PAYMENTS
-7. Number of years reported and no regular
payments on loan. Number of payments cannot
be computed.
-1. NO SET NUMBER
0. Inap. (No property, no additional property, no loan)
9157 (1) R: Term of loan in months
9158 (2)
9159 (3) Code amount
-1. NO SET NUMBER
0. Inap. (No property, no additional property, no loan)
1718 E26. How much are the payments and how often are they due?
1818
1918
Code actual amount
-1. NO REGULAR PAYMENTS; NONE
0. Inap. (No property, no additional property,
no loan, no set # or payments)
1719 E26. PER
1819
1919
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
11. Twice per year; every 6 months
-7. Other
0. Inap. (No property, no additional property,
no loan, no set # or payments)
1720 E27. Do the payments include property taxes or insurance?
1820 (Which?)
1920
1. TAXES
2. INSURANCE
3. BOTH
4. NEITHER
0. Inap. (No property, no additional property,
no loan, no set # or payments, no regular payments)
1721 E28. Will the regular payments repay the loan completely or
1821 will there be a balance payable, or "balloon" payment when
1921 the loan is due?
1. REPAY COMPLETELY
5. BALLOON
0. Inap. (No property, no additional property,
no loan, no set # or payments, no regular payments)
1722 E28.1 What will the balance due or balloon payment be?
1822
1922
Code actual amount
0. Inap. (No property, no additional property,
no loan, no set # or payments, no regular
payments, no balloon)
1723 E29. What is the typical payment and how often is it made?
1823
1923
Code actual amount
-1. NO TYPICAL PAYMENTS; NONE
0. Inap. (No property; no additional property;
no loan; number of payments not "NO SET #"
and payments not "NO REGULAR PAYMENTS")
1724 E29. PER
1824
1924
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
-7. Other
0. Inap. (No property; no additional property;
no loan; number of payments not "NO SET #"
and payments not "NO REGULAR PAYMENTS")
1725 E30. When do you expect this loan to be repaid?
1825
1925
Code YEAR
0. Inap. (No property; no additional property;
no loan; number of payments not "NO SET #"
and payments not "NO REGULAR PAYMENTS")
7554 E30.1 Is this loan being paid off ahead of schedule,
7553 behind schedule or are the payments about on
7552 schedule?
1. ON SCHEDULE
2. AHEAD OF SCHEDULE
3. BEHIND SCHEDULE
1726 E31. What is the current annual interest rate being charged on
1826 the loan?
1926
Code % to 2 decimal places
-1. Zero; no interest
0. Inap. (No property, no additional properties,
no loan)
1727 E32. Does this loan have an adjustable rate; that is does it
1827 have an interest rate that can rise and fall from time to
1927 time?
1. YES
5. NO
0. Inap. (No property, no additional properties,
no loan)
1728 E33. (Please look at the Institutions Card.) Is this loan
1828 with any of the institutions on the Institutions Card,
1928 or from someplace else? (IF the Institutions Card:
which institution?) (IF SOMEPLACE ELSE: What type
of institution is that?)
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No property, no additional properties,
no loan)
9099 (1) R: Type of institution
9100 (2)
9101 (3) See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No property, no additional properties,
no loan)
1729 E34. Did (you/your family living here) receive any income from
1829 this property in 1991?
1929
1. YES
5. NO
0. Inap. (No property, no additional properties)
1730 E34.1 How much gross income did (you/your family) receive?
1830
1930
Code actual amount
-1. NOTHING
0. Inap. (No property, no additional properties,
no income)
E35 INTERVIEWER: IS THERE ANOTHER PROPERTY?
2001 E36. About the remaining properties that you (and your family
living here) own, are any of these vacation homes or land
you use for recreational purposes?
1. YES
5. NO
0. Inap. (3 or fewer properties)
2002 E36.1 How much in total is your (family's) share of these
vacation homes or recreational property worth?
Code actual amount
0. Inap. (3 or fewer properties, no recreational
properties)
2003 E36.2 What was your (family's) total purchase price for these
properties? (INTERVIEWER: IF GIFT/INHERITANCE, ASK
VALUE WHEN RECEIVED.)
Code actual amount
0. Inap. (3 or fewer properties, no recreational
properties)
2004 E36.2 GIFT/INHERITANCE
1. Checked
5. Not checked
0. Inap. (3 or fewer properties, no recreational
properties)
2005 E36.3 Are there any mortgages or loans outstanding against these
vacation homes or recreational land?
1. YES
5. NO
0. Inap. (3 or fewer properties, no recreational
properties)
2006 E36.4 Altogether, about how much is owed on your (family's)
share of these mortgages or loans?
Code actual amount
0. Inap. (3 or fewer properties, no recreational
properties, no mortgage)
2007 E36.5 How much are the payments on these loans or mortgages and
how often are they due?
Code actual amount
-1. NO REGULAR PAYMENT; NONE
0. Inap. (3 or fewer properties, no recreational
properties, no mortgage)
2008 E36.5 PER
2. Week
4. Month
5. Quarter
6. Year
-7. Other
0. Inap. (3 or fewer properties, no recreational
properties, no mortgage)
2009 E36.6 Did you (or your family living here) receive any income in
1991 from renting out these vacation homes or recreational
land?
1. YES
5. NO
0. Inap. (3 or fewer properties, no recreational
properties)
2010 E36.7 Altogether, how much gross income did (you/your family)
receive?
Code actual amount
0. Inap. (3 or fewer properties, no recreational
properties, no rent)
2011 E36.8 Are there any remaining properties you own that you have
not told me details about?
(ASKED DIRECTLY WHERE >=4 PROPERTIES AND E36=YES,
INFERRED OTHERWISE FOR ALL HAVING >=4 PROPERTIES)
1. YES
5. NO
0. Inap. (3 or fewer properties)
2012 E37. For the remaining properties that you own, about how much
in total is your (family's) share worth? I mean, what
could you sell them for?
Code actual amount
-1. Nothing, almost nothing
0. Inap. (3 or fewer properties, no remaining
properties)
2013 E37.1 About how much was your (family's) total purchase price
for these properties? (INTERVIEWER: IF GIFT/INHERITANCE,
ASK WHEN RECEIVED.)
Code actual amount
-1. Nothing; zero
0. Inap. (3 or fewer properties, no remaining
properties)
2014 E37.1 GIFT/INHERITANCE
1. Checked
5. Not checked
0. Inap. (3 or fewer properties, no remaining
properties)
2015 E37.2 Are there mortgages or loans outstanding against these
properties?
1. YES
5. NO
0. Inap. (3 or fewer properties, no remaining
properties)
2016 E37.3 Altogether, about how much is owed on your (family's)
share of these mortgages or loans?
Code actual amount
-1. NOTHING
0. Inap. (3 or fewer properties, no remaining
properties, no mortgage)
2017 E37.4 How much are the payments on these loans or mortgages and
how often are they due?
Code actual amount
-1. NO REGULAR PAYMENT; NONE
0. Inap. (3 or fewer properties, no remaining
properties, no mortgage)
2018 E37.4 PER
2. Week
4. Month
5. Quarter
6. Year
-7. Other
0. Inap. (3 or fewer properties, no remaining
properties, no mortgage)
2019 E37.5 Did you (or your family living here) receive any income in
1991 from renting out any of these other properties?
1. YES
5. NO
0. Inap. (3 or fewer properties, no remaining
properties)
2020 E37.6 Altogether, how much gross income did (you/your family)
receive in 1991?
Code actual amount
0. Inap. (3 or fewer properties, no remaining
properties, no rent)
Top of Page
_____________________________________________________________________________
BUSINESSES
-----------------------------------------------------------------------------
3103 F3. Now I would like to ask you about any businesses you
may own. Do you (and your family living here) own or share
ownership in any privately-held businesses, farms,
professional practices or partnerships? (SEE INSTRUCTION
IN BOX ABOVE.) (asked of Rs who do not operate
farm/ranch business, inferred for others)
1. YES
5. NO
3104 F4. Do you (or anyone in your family living here) have an
active management role in any of these businesses?
(INCLUDE THE GENERAL PARTNERS IN A LIMITED PARTNERSHIP,
BUT NOT THE LIMITED PARTNERS.) (asked of Rs who do not
operate farm/ranch business, inferred for others
with businesses)
1. YES
5. NO
0. Inap. (No businesses)
F2. Including your (farm/ranch) business here, in how
many (farms/ranches), privately-held
businesses, professional practices or partnerships do you
(or your family living here) own or share ownership in and
have an active management role? (INCLUDE THE GENERAL
PARTNERS IN A LIMITED PARTNERSHIP, BUT NOT THE LIMITED
PARTNERS.) (asked of Rs who operate farm/ranch business)
F2.1 READ THE FOLLOWING: I will ask you first about your
(farm/ranch) business. When we talk about the value
of farm assets and liabilities here, please do not
include the value of properties and loans I have
already recorded. (INTERVIEWER: WE ONLY WANT TO
PICK UP FARM IMPLEMENTS, LIVESTOCK, CROPS, ETC AND
OPERATING LOANS OTHER THAN MORTGAGES RECORDED IN
SECTION D.) RECORD # OF BUSINESSES (FROM F2) IN BOX
F5 AT TOP OF NEXT PAGE, THEN SKIP TO QUESTION F5.1.
3105 F4.1 In how many businesses do you (or anyone in your family
living here) have an active management role? (asked of
Rs who do not operate farm/ranch business)
Code # BUSINESSES
0. Inap. (No businesses, no businesses with active
management role)
For the public use tape, the number of such
businesses is top-coded at 25.
3106 F5 # OF BUSINESSES
3107 F5.1 What kind of business is (it/the largest business/the next
3207 business) -- that is, what does the business make or do?
3307
1. Farm; nursery; train dogs; forest management;
agricultural services; landscaping; fisheries
2. Restaurant; bar
3. Auto repair; car wash
4. Direct sales: Amway; Avon; Mary Kay; Tupperware;
Stanley Home products
5. Contracting; construction services; plastering;
painting; plumbing
6. Real estate; insurance
7. Professional practice, incl. law, medicine,
architecture; accounting; bookkeeping
8. Beauty shop; barber shop
9. Manufacturing, incl. printing/publishing; oil field
services
10. Gas station
11. Food/liquor store
12. Other retail and/or wholesale business (exc. 2, 4,
10,11)
13. Trucking; moving and storage; warehousing
14. Repair services (exc. auto, code 3): appliances,
TV, upholstery, furniture, shoes
15. Personal services (exc. beauty shop, code 8):
hotel, dry cleaners, funeral home
16. Entertainment services, incl. dance studio, drive-in
theatre
17. Business management and consulting services
18. Other business services (exc. 17): advertising,
equipment rental, computer programming,
auctioneering, pest control
19. Banks and brokerage firms; mortgage/finance company
20. Communications; (cable) TV or radio stations
21. Goods
22. Investments
-7. Other, incl. businesses operated outside
U.S., other combinations of businesses
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role)
3108 F6. How did you (or your family living here) first acquire this
3208 business; was it bought or invested in, started by you,
3308 inherited, given to you, or what?
1. BOUGHT/INVEST/BECAME PARTNER
2. STARTED
3. INHERITED
4. GIVEN
-7. OTHER
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role)
3110 F8. In what year did you (start/acquire) the business?
3210
3310
Code YEAR
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role)
3111 F9. How many employees does it have including you (and members
3211 of your family)?
3311
Code # EMPL
-1. No one working in business; business is about to
be sold
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role)
For the public use tape, the number of employees
is top-coded at 25000.
3112 F9.1 INTERVIEWER CHECKPOINT: R LIVES ALONE.
3212
3312
F9.2 Which members of your family living here work in the
business? (Asked for R does not live alone,
inferred for R lives alone)
3113 F9.2 A. R
3213
3313
3114 F9.2 B. SPOUSE
3214
3314
3115 F9.2 C. ADULT CHILD
3215
3315
3116 F9.2 D. OTHER ADULT IN HH
3216
3316
3117 F9.2 E. OTHER--Person(s) under 18 in HH
3217
3317
1. Checked
5. Not checked
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role)
3118 F9.3 (Other than you [and your husband/wife/partner]),
3218 how many hours does the (other/most involved) family
3318 member work in this business in a normal week?
Code HRS
-1. None; zero hours
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role, no one in family living
there other than respondent and spouse works
for business)
3119 F9.4 Is it a partnership, a sole proprietorship, a subchapter S
3219 corporation, another type of corporation, or what?
3319
1. PARTNERSHIP or related type
2. SOLE PROPRIETORSHIP
3. SUBCHAPTER S
4. OTHER CORPORATION, including C corporation
6. Foreign business type
-7. OTHER
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role)
3120 F10. Are you (or your family living here) using personal assets
3220 as collateral or did you have to cosign or guarantee any
3320 loans for this business?
1. YES
5. NO
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role)
3121 F10.1 How much is guaranteed or collateralized?
3221
3321
Code actual amount
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role, no cosigned loans or
loan guarantees)
3122 F10.2 Did I record this earlier?
3222
3322
1. YES
5. NO
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role, no cosigned loans or
loan guarantees)
7551 F10.3 Which loan was that?
7550
7549
Code which loan up to 5 characters
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role, no cosigned loans or
loan guarantees, not recorded earlier)
3123 F11. (Other than guarantees,) does the business owe you (or
3223 your family living here) any money?
3323
1. YES
5. NO
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role)
3124 F11.1 How much is owed?
3224
3324
Code actual amount
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role, business does not owe R
money)
3125 F12. Do you (or your family living here) owe the business any
3225 money?
3325
1. YES
5. NO
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role)
3126 F12.1 How much do you owe?
3226
3326
Code actual amount
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role, R and family do not owe
business money)
3127 F12.2 Did I record this earlier?
3227
3327
1. YES
5. NO
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role, R and family do not owe
business money)
7548 F12.3 When was it mentioned?
7547
7546
Code which loan up to 5 characters
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role, R and family do not owe
business money, not recorded earlier)
3128 F13. What percentage of the business do you (and your family
3228 living here) own?
3328
Code PERCENT to 2 decimal places
10000. ALL
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role)
3129 F14. What is the net worth of your share? What could you
3229 sell it for?
3329
Code actual amount
-1. NOTHING
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role)
3130 F15. If you sold the business now, what would be the cost basis
3230 for tax purposes of this share? (What was your original
3330 investment?)
Code actual amount
-1. NOTHING
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role)
3131 F16. What were the gross receipts or gross sales of the
3231 business as a whole in 1991?
3331
Code actual amount
-1. NONE
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role)
3132 F17. What was the business's total net income before taxes in
3232 1991?
3332
Code actual amount
-1. NONE
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role)
3134 F19 INTERVIEWER CHECKPOINT: IS THERE ANOTHER BUSINESS?
3234
3334
3335 F19.1 For the remaining business(es) you (and your family living
here) own and actively manage, what could you sell your
share for? (What is your share worth?)
Code actual amount
-1. NOTHING
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role)
3336 F19.2 If you sold (these businesses/this business) now, what
would be the cost basis for tax purposes of your share?
(What was your original investment?)
Code actual amount
-1. NOTHING
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role)
3337 F19.3 What was the total net income you (and your family living
here) received from (these businesses/this business) in
1991?
Code actual amount
-1. NONE
0. Inap. (No businesses, no businesses with active
management role, no further businesses with
active management role)
3401 F20. Do you (or anyone in your family living here) own or have
an interest in any other businesses or partnerships where
you do not have an active management role? (Asked
if R has business with managment interest, inferred
for others with businesses)
1. YES
5. NO
0. Inap. (No businesses)
3402 F20.1 How many of these (other) businesses or partnerships do
you (and your family living here) own or share ownership
in?
Code NUMBER
0. Inap. (No businesses, no businesses without
management role)
#1: Limited partnerships
#2: Other partnerships
#3: S-corporations
#4: Other corporations
#5: Sole proprietorships
#6: Other types
3407(#1) F20.2 Is it a sole-proprietorship, a limited partnership,
3411(#2) another type of partnership, a Subchapter S-corporation,
3415(#3) another type of corporation, or what? (ASKED IF
3419(#4) ONLY ONE BUSINESS)
3423(#5) F21. (I need to know what type of businesses these are.) Are
3427(#6) any of them (TYPE: Limited Partnerships, Other
Partnerships, S-Corporations, Sole Proprietorships,
Other Types)? (ASKED IF MORE THAN ONE BUSINESS)
1. YES
5. NO
0. Inap. (No businesses, no businesses without
management role no TYPE businesses with
active management role)
7545 F21.7 Were you (or any of your family living here)
ever involved in the active management of
(this business/any of these businesses)?
1. YES
5. NO
0. Inap. (No businesses, no businesses without
management role no TYPE businesses with
active management role)
3408(#1) F20.3 What could you sell your (family's) share for? (What is
3412(#2) it worth?) (ASKED IF ONLY ONE BUSINESS)
3416(#3) F22 What could you sell your (family's) share of all these
3420(#4) (TYPE) for? (What is it worth?) (ASKED IF MORE
3424(#5) THAN ONE BUSINESS) (INTERVIEWER: DOES R or S WORK
3428(#6) FOR A BUSINESS REPORTED IN THIS SECTION?)
F22.1 Limited partnerships
F22.2 Other partnerships
F22.3 Subchapter S corporations
F22.4 Other corporations
F22.5 Sole proprietorships
F22.6 Other type
Code actual amount
-1. Nothing; zero
-2. LOSS; negative amount
0. Inap. (No businesses, no businesses without
management role no TYPE businesses with
active management role)
3409(#1) F20.4 If you sold this (business/partnership) now, what would be
3413(#2) the cost basis for tax purposes? (What was your original
3417(#3) investment?) (ASKED IF ONLY ONE BUSINESS)
3421(#4) F23 If you sold these (TYPE) now, what would be the cost basis
3425(#5) for tax purposes of these shares? (What was your original
3429(#6) investment?) (ASKED IF MORE THAN ONE BUSINESS)
F23.1 Limited partnerships
F23.2 Other partnerships
F23.3 Subchapter S corporations
F23.4 Other corporations
F23.5 Sole proprietorships
F23.6 Other type
Code actual amount
-1. Nothing; zero
-2. LOSS; negative amount
0. Inap. (No businesses, no businesses without
management role no TYPE businesses with
active management role)
3410(#1) F20.5 What was the total net income you (and your family living
3414(#2) here) received from this (business/partnership) in 1991?
3418(#3) (ASKED IF ONLY ONE BUSINESS)
3422(#4) F24 What was the total net income you (and your family living
3426(#5) here) received from all such (TYPE) in 1991? (ASKED
3430(#6) IF MORE THAN ONE BUSINESS)
Code actual amount
-1. Nothing; zero
0. Inap. (No businesses, no businesses without
management role no TYPE businesses with
active management role)
F24.1 Limited partnerships
F24.2 Other partnerships
F24.3 Subchapter S corporations
F24.4 Other corporations
F24.5 Sole proprietorships
F24.6 Other type
7544 F22 INTERVIEWER: DOES R OR S WORK FOR A BUSINESS
REPORTED IN THIS SECTION?
1. RESPONDENT DOES
3. SPOUSE DOES
4. RESPONDENT AND SPOUSE DO
5. NO
0. Inap. (No businesses, no businesses without
management role no TYPE businesses with
active management role)
Top of Page
-----------------------------------------------------------------------------
VEHICLES
-----------------------------------------------------------------------------
2101 G1. Are you (or anyone in your family living here) currently
leasing any cars or other vehicles? (IF YES, SAY: Do not
include any vehicle that is leased by a business.)
1. YES
5. NO
2102 G2. Altogether, how many cars or other vehicles do you (and
your family living here) lease?--VEHICLE #1
Code # LEASED VEHICLES
0. Inap. (No leased vehicle)
2103 G3. What make and model is the (newest/next) vehicle?
2110
Enter MAKE/MODEL as given by R up to 25 characters
25 Spaces. Inap. (No leased vehicles)
2104 G4. What model year is it?
2111
Code YEAR
0. Inap. (No leased vehicles)
For the public use tape, the model year is bottom-coded
at 1940.
8163 (1) R: Value of vehicle
8164 (2)
2105 G5. How much are your monthly lease payments?
2112
Code $ amount
-1. NO REGULAR PAYMENT; NONE
0. Inap. (No leased vehicles)
2106 G5. PER
2113
2. Week
4. Month
5. Quarter
6. Year
-7. Other
0. Inap. (No leased vehicles)
2107 G5.1 How many years or months was the original lease?
2114 (YRS)
Code YRS
0. Inap. (No leased vehicles)
2108 G5.1 How many years or months was the original lease?
2115 (MOS)
Code MOS
0. Inap. (No leased vehicles)
2109 G6 INTERVIEWER: IS THERE ANOTHER VEHICLE?
2116
2117 G6.1 Altogether, about how much per month are the lease
payments on your other leased vehicle(s)?
Code actual amount
-1. NO REGULAR PAYMENTS; NONE
0. Inap. (No leased vehicles)
2118 G6.1 PER
1. Day
2. Week
4. Month
5. Quarter
6. Year
-7. Other
0. Inap. (No leased vehicles)
2201 G7. Do you (or anyone in your family here) own any cars, or
any kind of truck, van, or jeep-type vehicle? Do not
include motorcycles, tractors, snow blowers, etc.
or any vehicles owned by a business.
1. YES
5. NO
2202 G7.1 Altogether, how many such cars or other vehicles do you
(and your family living here) own?
Code # OWNED VEHICLES
0. Inap. (No owned vehicle)
2203 G8. What type of vehicle is (it/the newest/the next)--(a car,
2303 van, jeep, pickup, or what?)
2403
1. CAR
2. VAN
3. JEEP/SPORT-UTILITY
4. PICKUP
5. Antique/classic/collector vehicle
6. Truck (except pickup)
-7. OTHER
0. Inap. (No owned vehicle)
For the public use tape, Antique/classic/collector
vehicle (5) is set to -7.
2204 G9. What make and model is it? (2-WORD ANSWER: MAKE AND MODEL)
2304
2404
Enter MAKE/MODEL as given by R up to 25 characters
25 Spaces. Inap. (No owned vehicles)
2205 G10. What model year is it?
2305
2405
Code YEAR
0. Inap. (No owned vehicles)
For the public use tape, the model year is bottom-coded
at 1940.
8166 (1) R: Value of vehicle
8167 (2)
8168 (3) Code amount
0. Inap. (No owned vehicles)
7543 G11 Did you buy it new or used?
7542
7541 1. NEW
2. USED
0. Inap. (No owned vehicles)
7540 G11.1 In what year did you buy it?
7539
7538
Code Year
0. Inap. (No owned vehicles)
2422 G23.1 How much (is/are all) the other such vehicle(s) that you
(and others in your family living here) own worth in
today's prices?
Code actual amount
0. Inap. (No owned vehicles)
FOR LOANS ASSOCIATED WITH VEHICLES, SEE "CONSUMER LOANS"
2501 G24. Do you (or anyone in your family living here) have any
(other) vehicles that are owned by a business but which
you also use regularly for personal purposes?
1. YES
5. NO
2502 G24.1 How many such vehicles do you (or someone in your family
living here) regularly use?
Code # BUSINESS VEHICLES
0. Inap. (No business vehicles)
2503 G25. Do you (or anyone in your family here) own any other
vehicles such as a motorhome, RV, boat, or airplane?
(INTERVIEWER: DO NOT INCLUDE TRACTORS OR LAWN MOWERS.)
1. YES
5. NO
2504 G25.1 Altogether, how many of these other vehicles do you (and
your family living here) own?
Code # VEHICLES
0. Inap. (No other vehicle)
2505 G26. What type of vehicle is (it/the newest/the next)--(Is it a
2605 motorhome, RV, airplane, boat, or what?)
1. MOTORHOME (one piece that you drive)
2. RV (hauled by a car or truck); "trailer"--NA type;
"travel trailer"
3. AIRPLANE; helicopter
4. BOAT
11. Motorcycle; motor scooter
12. Snowmobile
13. Golf cart
14. Non-automobile off-road vehicle
15. Misc. construction vehicle
-7. OTHER
0. Inap. (No other vehicle)
For the public use tape, Motorhomes (1) and RVs
(2) are combined in 1; Boats (3) and Airplanes
(4) are combined in 3; and Golf carts (13) and
Snowmobiles (12) are combined in 12.
2506 G27. About how much is this (TYPE OF VEHICLE) worth?
2606
Code actual amount
0. Inap. (No other vehicle)
G39 INTERVIEWER: IS THERE ANOTHER VEHICLE?
2623 G39.1 How much (is/are all) the other such vehicle(s) that you
(and others in your family living here) own worth?
Code actual amount
0. Inap. (No other vehicle)
FOR LOANS ASSOCIATED WITH VEHICLES, SEE "CONSUMER LOANS"
Top of Page
-----------------------------------------------------------------------------
EDUCATION LOANS
-----------------------------------------------------------------------------
7801 H1. Not counting credit cards or loans you may
have told me about in detail, do you (and your
family living here) own any money or have any
loans for educational expenses?
1. Yes
5. No
7802 H2. How many such loans do you have?
Code total #
0. Inap. (No loan)
7803 H3. (About the [largest/next] loan), in what month
7826 and year was this loan taken out? -- MONTH
7849
7903 Code MONTH (01-12)
7926 0. Inap. (No loan)
7949
7804 H3. (About the [largest/next] loan), in what month
7827 and year was this loan taken out? -- YEAR
7850
7904 Code YEAR
7927 0. Inap. (No loan)
7950
7805 H4. How much was borrowed or financed, not counting
7828 the finance charges?
7851
7905
7928 Code actual amount
7951 0. Inap. (No loan)
7806 H5. Are you paying this loan now?
7829
7852
7906 1. Yes
7929 5. No
7952 0. Inap. (No loan)
7807 H6. When will you start paying on this loan? -- MONTH
7830
7853
7907 Code MONTH (01-12)
7930 0. Inap. (No loan, paying on loan now)
7953
7808 H6. When will you start paying on this loan? -- YEAR
7831
7854
7908 Code YEAR
7931 0. Inap. (No loan, paying on loan now)
7954
7809 H7. Is interest accumulating on the loan?
7832
7855
7909 1. Yes
7932 5. No
7955 0. Inap. (No loan, paying on loan now)
7810 H8. When did you start paying this loan? (TAKE MOST
7833 RECENT TIME R BEGAN PAYING ON LOAN) -- MONTH
7856
7910 Code MONTH (01-12)
7933 0. Inap. (No loan, not paying on loan now)
7956
7811 H8. When did you start paying this loan? (TAKE MOST
7834 RECENT TIME R BEGAN PAYING ON LOAN) -- YEAR
7857
7911 Code YEAR
7934 0. Inap. (No loan, not paying on loan now)
7957
7812 H9. Is this a regular installment loan where you
7835 pay a fixed dollar amount each month for a
7858 fixed number of months until the loan is
7912 repaid, or some other kind?
7935
7958 1. Regular installment
2. Other kind
0. Inap. (No loan, not paying on loan now)
7813 H10. How many monthly payments or years were agreed upon
7836 when the loan was received? -- YEARS
7859
7913
7936 Code # YEARS
7959 -1. NO SET #
0. Inap. (No loan, not paying on loan now, not
regular installment loan)
-7. Term given in number of payments and PER for
payment not available to compute number of years
7814 H10. How many monthly payments or years were agreed upon
7837 when the loan was received? -- PAYMENTS
7860
7914 Code # PAYMENTS
7937 -1. NO SET #
7960 0. Inap. (No loan, not paying on loan now, not
regular installment loan)
9173() R. Term of loan in months
9174()
9175()
9176()
9177()
9178()
7815 H11 How much are the monthly payments? -- AMOUNT
7838
7861 Code $ amount
7915 -1. NO REGULAR PAYMENTS; NONE
7938 0. Inap. (No loan, not paying on loan now, not
7961 regular installment loan)
7816 HH11 PER
7839
7862
7916 2. Week
7939 4. Month
7962 5. Quarter
6. Year
-7. Other
0. Inap. (No loan, not paying on loan now, not
regular installment loan)
7817 H11.1 What is the typical payment and how often is it made?
7840 -- AMOUNT
7863
7917 Code $ amount
7940 -1. NO REGULAR PAYMENTS; NONE
7963 0. Inap. (No loan, not paying on loan now, not
regular installment loan)
7818 H11.1 PER
7841
7864 2. Week
7918 4. Month
7941 5. Quarter
7964 6. Year
-7. Other
0. Inap. (No loan, not paying on loan now, not
regular installment loan)
7819 H12. In what month and year do you expect this loan to be
7842 repaid? -- MONTH
7865
7919 Code MONTH (01-12)
7942 0. Inap. (No loan, not paying on loan now,
7965 regular installment loan)
7820 H12. In what month and year do you expect this loan to be
7843 repaid? -- YEAR
7866
7920 Code MONTH (01-12)
7943 0. Inap. (No loan, not paying on loan now,
7966 regular installment loan)
7821 H13. Is this loan being paid off ahead of schedule,
7844 behind schedule, or are the payments about on
7867 schedule?
7921
7944 1. On schedule
7967 2. Ahead of schedule
3. Behind schedule
0. Inap. (No loan, not paying on loan now,
regular installment loan)
7822 H14. What is the annual rate of interest being charged on
7845 this loan?
7868
7922 Code % to 2 decimal places
7945 -1. Zero; no interest
7968 0. Inap. (No loan)
7823 H15. Please look at the Institutions Card. Is this loan
7846 with any of the Institutions on the Institutions
7869 Card, or from someplace else? (IF INSTITUTIONS CARD:
7923 WHICH INSTITUTION?) (IF SOMEPLACE ELSE: WHAT TYPE OF
7946 INSTITUTION IS THAT?)
7969 INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IF
A NEW INSTITUTION IS MENTIONED AT THIS POINT.)
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No loan)
9203 R. Type of institution.
9204
9205 See FINANCIAL INSTITUTIONS master reference list
9206 0. Inap. (No loan)
9207
9208
7824 H16. How much is still owed on this loan?
7847
7870
7924 Code actual amount
7947 0. Inap. (No loan)
7970
7825 H17. INTERVIEWER: IS THERE ANOTHER LOAN?
7848
7871 1. Yes
7925 5. No
7948 0. Inap. (No loan)
7971
Top of Page
-----------------------------------------------------------------------------
CONSUMER LOANS
-----------------------------------------------------------------------------
THIS SECTION CONTAINS LOANS ORIGINALLY ASKED IN SECTION D (OTHER LOANS
FOR THE PURCHASE OF THE PRINCIPAL RESIDENCE -- LOANS 7 BELOW, HOME
IMPROVEMENT LOANS -- LOANS 8 AND 9 BELOW), SECTION G (OWN VEHICLES --
LOANS 10 THROUGH 13 BELOW, OTHER VEHCICLES -- LOANS 14 THROUGH 16
BELOW), AND SECTION H (ALL CONSUMER LOANS -- LOANS 1 THROUGH 6 BELOW).
NOTE: THERE MAY BE SOME DEVIATIONS FROM THE STRUCTURE OF INAPPLICABLE
ANSWERS NOTED BELOW. IN CASES WHERE THE RESPONDENT DID NOT KNOW
WHETHER THE TYPE OF LOAN WAS "REGULAR INSTALLMENT" OR DID NOT KNOW THE
TERM OF THE LOAN, RESPONDENTS WERE ASKED ABOUT THEIR TYPICAL PAYMENTS
AND WHEN THEY EXPECT THE LOAN TO BE REPAID. DATA WILL REMAIN IN THESE
VARIABLES WHEN THE LOAN TYPE IS SUBSEQUENTLY IMPUTED TO BE "REGULAR
INSTALLMENT" OR IN ALL CASES WHERE THE TERM WAS MISSING. WHILE THIS
MAY CAUSE SOME CONFUSION, IT SEEMS THE BEST WAY OF PRESERVING THE
ORIGINAL RESPONSES TO THE QUESIONNAIRE.
SECTION I. OTHER LOANS
I1. Not counting credit cards or loans you have already told
me about, do you (and your family living here) owe any
money on loans for:
I1.1 ..household appliances, furniture, or hobby or
recreational equipment?
I1.2 ..loans for educational expenses or medical bills?
I1.3 ..loans from friends or relatives?
I1.4 ..any other loans? (IF R ASKS: INCLUDE CHECKING ACCOUNT
OVERDRAFTS. DO NOT INCLUDE LIFE INS. POLICY LOANS.)
1. YES
5. NO
I2.1 FOR EACH "YES", ASK: How many such loans do you have?
I2.2
I2.3 Code #
I2.4 0. Inap.
2709 I3. IWER CHECKPOINT: ADD TOTAL NUMBER OF LOANS FROM
I2.1 - I2.4
Code TOTAL #
-1. NONE
2710(1a) I4. What was (this/the largest/the next) loan for?--LOAN #1
2727(2a)
2810(3a)
2827(4a)
2910(5a)
2927(6a)
LOAN PURPOSE MASTER CODE
HOME PURCHASE, ADDITION OR REPAIR OF CURRENT RESIDENCE
01. Own home purchase
03. Home improvement or addition (incl. assessments for sewer/
sidewalk, etc.)
04. Home repairs/maintenance/upkeep
CAR/HOUSEHOLD DURABLE GOODS
10. Car
11. Refrigerator
12. Stove/Range; microwave oven
13. Dishwasher
14. Freezer
15. Air conditioner
16. Washing machine (incl. washer/dryer combination)
17. Dryer
18. Furniture (excluding pianos and organs--see 34); lamps;
mattress and spring combinations; rug and/or carpet; other
household furnishings
20. Vacuum cleaners
23. Home computer; calculator; computer terminal
24. Truck/jeep/utility vehicle
25. Combination of appliances (incl. TV); "appliances"--NA type
26. Combination of furniture + appliances
29. Other appliances or durable goods; sewing machine;
typewriter
SMALL/INDOOR HOBBY OR ENTERTAINMENT GOODS
31. Stereo; phonograph (may include radio); include sound
equipment, amplifiers here; radio (AM or FM); tuner; CB
equipment; tape recorder, tape player (cassette or reel-to-
reel); CD player
34. Piano; organ
35. Musical instruments (excluding pianos and organs)
36. TV--color or black and white; "home entertainment center"
(incl. combination TV, radio, phonograph); video cassette
recorder/player (VCR); video camera (Cam-corder)
49. Other small/indoor hobby or entertainment items (incl. pool
tables and regular cameras)
50. Power tools and yard equipment
OUTDOOR HOBBY AND RECREATION GOODS
61. Boat; boating equipment (including trailer)
63. Motorcycles; bicycle; moped; snowmobiles; off-road vehicles
65. Camper-trailers; "RV"--NFS
67. Cottage; vacation property; mobile homes--seasonal residence
(if current residence, code 01); "motorhome"; "second home"
69. Other outdoor recreation items; horse
SAVINGS AND INVESTMENTS
High 71. Invest in Bus #1 (from Section M)
Priority 72. " " Bus #2 " " "
73. " " Bus #3 " " "
74. Invest in own business, other than 71-73 or NA which or all
75. Business investment (own) (exc. 71-74), incl.
businesses now defunct
76. Other asset investment; bought stocks/bonds; IRA
deposit; gold; "investment" -- NFS
78. Investment real estate (incl. cemetery plots and additions
and repairs to investment property); farmland (exc. 71-74);
include businesses of self-employed R's who don't report a
business in the M section
79. Other investments
SPECIAL EXPENSES
81. Travel/vacation expenses
82. Medical/dental expenses; attorney's fees
83. Education/school expenses
84. Tax and insurance expenses (exc. vehicle, code 93)
85. Weddings/funerals
88. Moving expenses
89. Other special expenses; encyclopedia; health membership
MISCELLANEOUS PERSONAL NEEDS
90. "Personal loan"--NA what for
91. Bill consolidation; "bills"
92. Personal items, incl. clothing, jewelry
93. Vehicle repair/upkeep (incl. insurance)
94. Gifts; goods or gifts of money; "Christmas"
95. Living/general expenses
96. Loans made to others; "loaned friend/son money for a house"
-7. Other (incl. combinations)
0. Inap. (No loan)
1032(7) D41. Do you (and your family living here) owe money on any
(other) loans used for the purchase of this property, such
as loans from relatives or the seller? (Please do not
include any home equity lines of credit.) (OTHER
LOANS FOR PURCHASE OF PRINCIPAL RESIDENCE)
1203(8) D54.2 Other than what I have already recorded, do you (or your
family living here) owe any money on loans taken out for
these projects? (HOME IMPROVEMENT LOANS)
1218(9) D65. Do you owe money on more than one loan for home additions
or improvements?
(HOME IMPROVEMENT LOANS)
2206(10) G12. Not counting any loans I've already recorded, is any money
2306(11) still owed on loans for this (MAKE/MODEL)?
2406(12) (OWN VEHICLE GRID)
2423(13) G23.2 Not counting loans I have already recorded, is any money
still owed on loans for (this/these) vehicle(s)?
(LOANS ON OWN VEHICLES BEYOND THE 3RD VEHICLE)
2507(14) G28. Not counting any loans that I have already recorded, is any
2607(15) money still owed on loans for this (TYPE OF VEHICLE)?
(OTHER VEHICLE GRID)
2624(16) G39.2 Not counting loans I have already recorded, is any money
still owed on loans for (this/these) vehicle(s)?
(LOANS ON OTHER VEHICLES BEYOND THE 2ND VEHICLE)
1. YES
5. NO
0. Inap. (Not homeowner/no home improvements on
current own home/only 3 or fewer own vehicles/
only 2 or fewer other vehicles)
2712(1) I5. In what month and year was this loan taken out?--MONTH
2729(2)
2812(3)
2829(4)
2912(5)
2929(6)
1033(7) D42. In what month and year was this loan taken out?--MONTH
1204(8) D55. In what month and year was the most recent such loan taken
out?--MONTH
2207(10) G13. In what month and year was the loan taken out?--MONTH
2307(11)
2407(12)
2508(14) G29. In what month and year was the loan taken out?--MONTH
2608(15)
(NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)
Code MONTH (01-12)
0. Inap. (No loan)
2713(1) I5. In what month and year was this loan taken out?--YEAR
2730(2)
2813(3)
2830(4)
2913(5)
2930(6)
1034(7) D42. In what month and year was this loan taken out?--YEAR
1205(8) D55. In what month and year was the most recent such loan taken
out?--YEAR
2208(10) G13. In what month and year was the loan taken out?--YEAR
2308(11)
2408(12)
2509(14) G29. In what month and year was the loan taken out?--YEAR
2609(15)
(NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)
Code YEAR (1949-1990)
0. Inap. (No loan)
2714(1) I6. How much was borrowed or financed, not counting the
2731(2) finance charges?
2814(3)
2831(4)
2914(5)
2931(6)
1035(7) D43. How much was borrowed, not including finance charges?
1206(8) D56. How much was borrowed, not including finance charges?
2209(10) G14. How much was borrowed or financed?
2309(11)
2409(12)
2510(14) G30. How much was borrowed or financed, not counting the
2610(15) finance charges?
(NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)
Code actual amount
0. Inap. (No loan)
2715(1) I7. Is this a regular installment loan where you pay a fixed
2732(2) dollar amount each month for a fixed number of months
2815(3) until the loan is repaid, or some other kind?
2832(4)
2915(5)
2932(6)
1036(7) D44. Is this a regular installment loan where you pay a fixed
dollar amount each month for a fixed number of months
until the loan is repaid, or some other kind?
1207(8) D57. Is this a regular installment loan where you pay a fixed
dollar amount each month for a fixed number of months
until the loan is repaid, or some other kind?
2210(10) G15. Is this a regular installment loan where you pay a fixed
2310(11) dollar amount each month for a fixed number of months
2410(12) until the loan is repaid, or some other kind?
2511(14) G31. Is this a regular installment loan where you pay a fixed
2611(15) dollar amount each month for a fixed number of months
until the loan is repaid, or some other kind?
(NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)
1. REGULAR INSTALLMENT
2. OTHER KIND
0. Inap. (No loan)
2716(1) I8. How many monthly payments or years were agreed upon when
2733(2) the loan was received?--# PAYMENTS
2816(3)
2833(4)
2916(5)
2933(6)
1037(7) D45. How many monthly payments or years were agreed upon when
the loan was received?--# PAYMENTS
1208(8) D58. How many monthly payments or years were agreed upon when
the loan was received?--# PAYMENTS
2211(10) G16. How many monthly payments or years were agreed upon when
2311(11) the loan was received?--# PAYMENTS
2411(12)
2512(14) G32. How many monthly payments or years were agreed upon when
2612(15) the loan was received?--# PAYMENTS
(NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)
Code # PAYMENTS
-7. Number of years reported and no regular
payments on loan. Number of payments cannot
be computed.
-1. NO SET #
0. Inap. (No loan, type of loan "OTHER KIND")
2717(1) I8. How many monthly payments or years were agreed upon when
2734(2) the loan was received?--# YEARS
2817(3)
2834(4)
2917(5)
2934(6)
1038(7) D45. How many monthly payments or years were agreed upon when
the loan was received?--# YEARS
1209(8) D58. How many monthly payments or years were agreed upon when
the loan was received?--# YEARS
2212(10) G16. How many monthly payments or years were agreed upon when
2312(11) the loan was received?--# YEARS
2412(12)
2513(14) G32. How many monthly payments or years were agreed upon when
2613(15) the loan was received?--# YEARS
(NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)
Code # YEARS
-1. NO SET #
0. Inap. (No loan, type of loan "OTHER KIND")
-7. Term given in number of payments and PER for
payment not available to compute number of years
9160(7) R. Term of loan in months
9161(8)
9162(10) Code # months
9163(11) -1. No set term
9164(12) 0. Inap. (No loan)
9165(14)
9166(15)
9167(1)
9168(2)
9169(3)
9170(4)
9171(5)
9172(6)
2718(1) I9. How much are the monthly payments?
2735(2)
2818(3)
2835(4)
2918(5)
2935(6)
1039(7) D46. How much are the monthly payments?
1210(8) D59. How much are the monthly payments?
1220(9) D65.2 Altogether, how much are the monthly payments?
2213(10) G17. How much are the monthly payments?
2313(11)
2413(12)
2425(13) G23.4 How much are the total monthly payments on (this/these)
loans?
2514(14) G33. How much are the monthly payments?
2614(15)
2626(16) G39.4 How much are the total monthly payments on (this/these)
loan(s)?
Code $ amount
-1. NO REGULAR PAYMENTS; NONE
0. Inap. (No loan, type of loan "OTHER KIND,"
"NO SET # OF PAYMENTS)
7527(1) I9
7526(2)
7525(3)
7524(4)
7523(5)
7522(6)
7567(7) D46 PER
7565(8) D59 PER
1221(9) D65.2 PER
7537(10) G17 PER
7536(11)
7535(12)
2426(13) G23.4 PER
7531(14) G33 PER
7530(15)
2627(16) G39.4 PER
I9 PER
(NOTE: NOT ASKED FOR LOANS 1-8, 10-12, AND 14-15)
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
-7. Other
0. Inap. (No loan, type of loan "OTHER KIND,"
"NO SET # OF PAYMENTS)
2719(1) I10. What is the typical payment and how often is it made?
2736(2)
2819(3)
2836(4)
2919(5)
2936(6)
1040(7) D47. What is the typical payment, and how often is it made?
1211(8) D60. What is the typical payment, and how often is it made?
2214(10) G18. What is the typical payment and how often is it made?
2314(11)
2414(12)
2515(14) G34. What is the typical payment and how often is it made?
2615(15)
(NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)
Code $ amount
-1. NO TYPICAL PAYMENT; NONE
0. Inap. (No loan; loan "REGULAR INSTALLMENT;"
number of payments not "NO SET #" and monthly
payments not "NO REGULAR PAYMENTS")
2720(1) I10. PER
2737(2)
2820(3)
2837(4)
2920(5)
2937(6)
1041(7) D47. PER
1212(8) D60. PER
2215(10) G18. PER
2315(11)
2415(12)
2516(14) G34. PER
2616(15)
(NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
8. Lump sum; one payment only
11. Twice per year; every 6 months
12. Bimonthly
-1. NO REGULAR PAYMENTS
-7. Other
0. Inap. (No loan; loan "REGULAR INSTALLMENT;"
number of payments not "NO SET #" and monthly
payments not "NO REGULAR PAYMENTS")
2721(1) I11. In what month and year do you expect this loan to be
2738(2) repaid?--MONTH
2821(3)
2838(4)
2921(5)
2938(6)
1042(7) D48. In what month and year do you expect this loan to be
repaid?--MONTH
1213(8) D61. In what month and year do you expect this loan to be
repaid?--MONTH
2216(10) G19. In what month and year do you expect this loan to be
2316(11) repaid?--MONTH
2416(12)
2517(14) G35. In what month and year do you expect this loan to be
2617(15) repaid?--MONTH
(NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)
Code MONTH
0. Inap. (No loan; loan "REGULAR INSTALLMENT;"
number of payments not "NO SET #" and monthly
payments not "NO REGULAR PAYMENTS")
2722(1) I11. In what month and year do you expect this loan to be
2739(2) repaid?--YEAR
2822(3)
2839(4)
2922(5)
2939(6)
1043(7) D48. In what month and year do you expect this loan to be
repaid?--YEAR
1214(8) D61. In what month and year do you expect this loan to be
repaid?--YEAR
2217(10) G19. In what month and year do you expect this loan to be
2317(11) repaid?--YEAR
2417(12)
2518(14) G35. In what month and year do you expect this loan to be
2618(15) repaid?--YEAR
(NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)
Code YEAR
-1. NEVER; won't ever be repaid
0. Inap. (No loan; loan "REGULAR INSTALLMENT;"
number of payments not "NO SET #" and monthly
payments not "NO REGULAR PAYMENTS")
2723(1) I12. How much is still owed on this loan?
2740(2)
2823(3)
2840(4)
2923(5)
2940(6)
1044(7) D49. How much is still owed on this loan?
1215(8) D62. How much is still owed on this loan?
1219(9) D65.1 Altogether, how much is still owed on other loans for
additions or improvements?
2218(10) G20. How much is still owed on this loan?
2318(11)
2418(12)
2424(13) G23.3 Altogether, about how much is still owed on (this/these)
, loan(s)? (ACCEPT RANGE.)
2519(14) G36. How much is still owed on this loan?
2619(15)
2625(16) G39.3 Altogether, about how much is still owed on (this/these)
loan(s)?
(ASKED DIRECTLY FOR CASES WITH "OTHER KIND" OF LOAN,
FOR CASES WITH NO SET # OF PAYMENTS, AND FOR CASES
WITH NO REGULAR MONTHLY PAYMENTS; COMPUTED FOR ALL
OTHER CASED USING TERMS OF LOAN)
Code actual amount
0. Inap. (No loan)
2724(1) I13. What is the current annual rate of interest being charged
2741(2) on this loan?
2824(3)
2841(4)
2924(5)
2941(6)
1045(7) D50. What is the current annual rate of interest being charged
on this loan?
1216(8) D63. What is the current annual rate of interest being charged
on this loan?
2219(10) G21. What is the current annual rate of interest being charged
2319(11) on this loan?
2419(12)
2520(14) G37. What is the current annual rate of interest being charged
2620(15) on this loan?
(NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)
Code % to 2 decimal places
-1. Zero; no interest
0. Inap. (No loan)
7521(1) I12.1 Is this loan being paid off ahead of schedule,
7520(2) behind schedule or are the payments about on schedule?
7519(3)
7518(3)
7517(3)
7516(3)
7566(7) D49.1 Are you paying off this loan ahead of schedule,
behind schedule or are the payments about on schedule?
7564(8) D62.1 Are you paying off this loan ahead of schedule,
behind schedule or are the payments about on schedule?
7534(10) G20.1 Is this loan being paid off ahead of schedule,
7533(11) behind schedule or are the payments about on schedule?
7532(12)
7529(14) G36.1 Is this loan being paid off ahead of schedule,
7528(15) behind schedule or are the payments about on schedule?
1. On schedule
2. Ahead of schedule
3. Behind schedule
0. Inap. (No loan)
2725(1) I14. (Please look at the Institutions Card.) Is this loan
with any of the institutions on the Institutions Card,
2742(2) or from someplace else?
2825(3) (IF the Institutions Card: Which institution?)
2842(4) (IF SOMEPLACE ELSE: What type of institution is that?)
2925(5)
2942(6)
1046(7) D51. Please look at the Institutions Card. Is the loan
with any of the institutions on the Institutions
Card, or from someplace else?
(IF the Institutions Card: Which institution?)
(IF SOMEPLACE ELSE: What type of institution is that?)
1217(8) D64. (Please look at the Institutions Card.) Is the
loan with any of the institutions on the
Institutions Card, or from someplace else?
(IF the Institutions Card: Which institution?)
(IF SOMEPLACE ELSE: What type of institution is that?)
2220(10) G22. (Please look at the Institutions Card.) Is the loan
with any of the institutions on the Institutions Card,
2320(11) or from someplace else?
2420(12) (IF the Institutions Card: Which institution?)
(IF SOMEPLACE ELSE: What type of institution is that?)
2521(14) G38. (Please look at the Institutions Card.) Is the loan
with any of the institutions on the Institutions Card,
2621(15) or from someplace else?
(IF the Institutions Card: Which institution?)
(IF SOMEPLACE ELSE: What type of institution is that?)
(NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No loan)
9107(1) R: Type of institution
9108(2)
9109(3)
9110(4)
9111(5)
9112(6)
9086(7) R: Type of institution
9090(8) R: Type of institution
9102 (10) R: Type of institution
9103 (11)
9104 (12)
9105 (14) R: Type of institution
9106 (15)
(NOTE: NOT AVAILABLE FOR LOANS 9, 13, AND 16)
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No loan)
Top of Page
-----------------------------------------------------------------------------
FINANCIAL AND OTHER ASSETS, MISC.
-----------------------------------------------------------------------------
3501 N1. Now I'd like to ask about different types of assets that
you might have. First, do you (or anyone in your family
living here) have any checking accounts?
1. YES
5. NO
3502 N2. Have you (or anyone in your family living here) ever had a
checking account?
1. YES
5. NO
0. Inap. (R has checking account)
3503 N2.1 (SHOW CARD 12) Looking at this list, please tell
me which is the most important reason (you
don't/your family doesn't) have a checking account.
1. DON'T WRITE ENOUGH CHECKS TO MAKE IT WORTHWHILE
2. MINIMUM BALANCE IS TOO HIGH
3. DO NOT LIKE DEALING WITH BANKS
4. SERVICE CHARGES ARE TOO HIGH
5. NO BANK HAS CONVENIENT HOURS OR LOCATION
20. Don't need/want an account
21. Credit problems; bankruptcy
95. Don't have (enough) money
96. Can't manage/balance a checking account
-7. OTHER
0. Inap. (R has checking account)
3504 N3. (Not using the booklet.) How many checking accounts do
you (and your family living here) have?
(IF R ASKS: INCLUDE MONEY MARKET ACCOUNTS ONLY IF
THEY ARE USED AS CHECKING ACCOUNTS)
Code # ACCOUNTS
0. Inap. (No checking accounts)
3505(#1) N4. (Please look at the Institutions Card.) (Thinking
3509(#2) about your main checking account, the one
3513(#3) used to write most of your checks, / About the next
3517(#4) account) is this account with any
3521(#5) of the institutions on the Institutions Card,
3525(#6) or from someplace else?
(IF the Institutions Card: Which institution?)
(IF SOMEPLACE ELSE: What type of institution is that?)
(INTERVIEWER: CHECK THE INSTITUTIONS CARD AND
UPDATE IF A NEW INSTITUTION IS MENTIONED.)
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No checking accounts, no further
checking accounts)
9113 (1) R: Type of institution
9114 (2)
9115 (3)
9116 (4)
9117 (5)
9118 (6)
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No checking accounts, no further
checking accounts)
3506(#1) N5. How much is in this account? (What was the average over
3510(#2) the last month?)
3514(#3)
3518(#4) Code actual amount
3522(#5) -1. Nothing; zero
3526(#6) 0. Inap. (No checking accounts, no further
checking accounts)
3507(#1) N6. Is this a money market-type account?
3511(#2)
3515(#3) 1. YES
3519(#4) 5. NO
3523(#5) 0. Inap. (No checking accounts, no further
3527(#6) checking accounts)
7600(#1) N6.1 INTERVIEWER CHECKPOINT: IS R MARRIED OR LIVING
7602(#2) WITH A PARTNER?
7604(#3)
7606(#4) 1. YES
7608(#5) 5. NO
7610(#6) 0. Inap. (No checking accounts, no further
checking accounts)
7601(#1) N6.2 Is this a joint account with your
7603(#2) husband/wife/partner, is the account in your name,
7605(#3) your (husband's/wife's/partner's) name, or something
7607(#4) else?
7609(#5)
7611(#6) 1. JOINT ACCOUNT
2. RESPONDENT'S ACCOUNT
3. SPOUSE'S ACCOUNT
5. CHILD ONLY
6. CHILD AND RESPONDENT'S/SPOUSE
7. OTHER RELATIVE
8. OTHER RELATIVE WITH RESPONDENT OR SPOUSE
9. UNRELATED PERSON, NFS
10. UNRELATED PERSON WITH RESPONDENT OR SPOUSE
-7. OTHER
0. Inap. (No checking accounts, no further
checking accounts, not married/living with partner)
3508 N7 INTERVIEWER: Is there another account?
3512
3516
3520 1. YES
3524 5. NO
3528 0. Inap. (No checking accounts, no further
checking accounts)
3529 N8. How much is in all your (family's) remaining checking
accounts? (What was the average over the last month?)
Code actual amount
0. Inap. (No checking accounts, no further
checking accounts)
3530 N9. (SHOW CARD 13) Which of the reasons on this card is the most
important reason (you/your family living here) chose the
institution that you did for your main checking account?
Was it because of the location of their offices, because
they had the lowest fees or minimum balance requirement,
because you were able to obtain many services at one
place, because they offered safety and an absence of risk,
or some other reason?
1. Recommended; reputation
2. Low interest rate on loans
3. LOCATION OF OFFICES
4. Other business done here
5. Easy to qualify (for credit); only place that would
give us a loan
6. MANY SERVICES IN ONE PLACE
7. LOW FEES or service charges; they pay interest on
account(s); best interest on accounts
8. SAFETY
9. Other convenience mentions: payroll deduction
feature; "convenience"--NFS; best service
11. Personal relationship; they know me; know/like them;
R/Spouse works there; friendly
12. Spouse opened the account
13. Bank bought by another institution
14. Always done business there; banked there a
long time
23. Advertisement
24. Convenient hours
25. No particular reason
26. No other institutions
27. Gift for opening account; other promotion
-7. OTHER
0. Inap. (No checking accounts)
3531 N9.1 For how many years (have you/has someone in your
family living here) done business with this
institution?
Code YEARS
-1. LESS THAN ONE YEAR
0. Inap. (No checking accounts)
3601 N10. Do you (or anyone in your family here) have any Individual
Retirement Accounts, that is, IRA or Keogh accounts?
1. YES
5. NO
#1: Respondent
#2: Spouse
#3: Other family members
N10.1 Who has IRA or Keogh accounts?
3602 N10.1 RESPONDENT
3612 N10.1 SPOUSE ACCOUNTS
3622 N10.1 OTHER PERSONS
1. YES
5. NO (or: no spouse or partner in PEU: X107^=1/no other
PEU members: (X113, X125, X131, X137, X207, X213,
X219, X225)^=1)
0. Inap. (No IRA/Keogh accounts: X3601^=1)
3603 N11. How many IRA and Keogh accounts [do you/does (PERSON)] have?
3613
3623
Code # ACCTS
0. Inap. (No IRA or Keogh accounts, PERSON has no
IRA or Keogh accounts)
N12. About (PERSON'S) accounts (are these/is this an) IRA or
Keogh account(s)? (CHECK ALL THAT APPLY.)
3604 N12.1 IRA
3614
3624
1. Checked (IRA)
5. Not checked
0. Inap. (No IRA or Keogh accounts, PERSON has no
IRA or Keogh accounts)
3605 N12.2 KEOGH
3615
3625
1. Checked
5. Not checked
0. Inap. (No IRA or Keogh accounts, PERSON has no
IRA or Keogh accounts)
3606 (#1a) N13. (Please look at the Institutions Card.) (Is this/Are
3607 (#1b) they) with any of the institutions on the
3608 (#1c) Institutions Card, or from someplace else?
3609 (#1d) (CODE ALL THAT APPLY.)
7501 (#1e) (IF the Institutions Card: Which institution(s)?)
3616 (#2a) (IF SOMEPLACE ELSE: What type(s) of institution(s)?
3617 (#2b) (INTERVIEWER: UPDATE CARD IF NEW INSTITUTION MENTIONED.)
3618 (#2c) See FINANCIAL INSTITUTIONS master reference list
3619 (#2d)
7502 (#2e) 0. Inap. (No IRA or Keogh accounts, PERSON has no
3626 (#3a) IRA or Keogh accounts)
3627 (#3b)
3628 (#3c)
3629 (#3d)
7503 (#3e)
9119 (#1a) R: Type of institution
9120 (#1b)
9121 (#1c)
9122 (#1d)
9209 (#1e)
9123 (#2a)
9124 (#2b)
9125 (#2c)
9126 (#2d)
9210 (#2e)
9127 (#3a)
9128 (#3b)
9129 (#3c)
9130 (#3d)
9211 (#3e)
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No IRA or Keogh accounts, PERSON has no
IRA or Keogh accounts)
3610 N14. How much in total is in (PERSON'S) account(s)?
3620
3630
Code actual amount
0. Inap. (No IRA or Keogh accounts, PERSON has no
IRA or Keogh accounts)
3611 N14.1 INTERVIEWER: IS THERE ANOTHER HOUSEHOLD MEMBER WITH
3621 AN ACCOUNT?
0. Inap. (No IRA or Keogh accounts, PERSON has no
IRA or Keogh accounts)
3631 N15. How is the money in (this/all of your [family's]) IRA and
Keogh account(s) invested? Is most of it in CDs or other
bank accounts, most of it in stocks, most of it in bonds
or similar assets, or what?
1. CD'S/BANK ACCOUNTS; "money market"
2. STOCK; "mutual funds"
3. BONDS/SIMILAR ASSETS; T-bills; Treasury notes
4. Combination of 1, 2, and 3; "mixed"/"diversified"--NFS
5. Combination of 2 & 3 above
6. Combination of 1 & 2 above
7. Life insurance; annuities
8. Real estate; other investments
-7. OTHER (incl. combinations exc. 5 & 6 above)
0. Inap. (No IRA or Keogh accounts)
3701 N16. Not including any accounts I have already recorded, do you
(or anyone in your family here) have any money market
accounts?
1. YES
5. NO
3702 N16.1 Altogether, how many money market accounts do you (and
your family living here) have?
Code # OF MONEY MARKET ACCOUNTS
0. Inap. (No money market accounts)
3703(#1) N17. Does the (largest/next) account have check-writing
3708(#2) privileges?
3713(#3)
1. YES
5. NO
0. Inap. (No money market accounts, no further
money market accounts)
3704(#1) N18. Is this a tax-free money market account?
3709(#2)
3714(#3) 1. YES
5. NO
0. Inap. (No money market accounts, no further
money market accounts)
3705(#1) N19. (Please look at the Institutions Card.) Is this
3710(#2) account with any of the institutions on the
3715(#3) Institutions Card, or from someplace else?
(IF the Institutions Card: Which institution?)
(IF SOMEPLACE ELSE: What type of institution is that?)
(INTERVIWER: CHECK INSTITUTIONS CARD AND UPDATE IF
A NEW INSTITUTION IS MENTIONED.)
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No money market accounts, no further
money market accounts)
9131 (1) R: Type of institution
9132 (2)
9133 (3)
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No money market accounts, no further
money market accounts)
3706(#1) N20. How much is in this account?
3711(#2)
3716(#3) Code actual amount
-1. Zero; none now
0. Inap. (No money market accounts, no further
money market accounts)
7612(#1) N20.1 CHECKPOINT: Look at the HHL (page HHL-1). Is R
7614(#2) married or living with a partner?
7616(#3)
1. YES
5. NO
0. Inap. (No money market accounts, no further
money market accounts)
7613(#1) N20.2 Is this a joint account with your
7615(#2) (husband/wife/partner), is the account in your name, your
7617(#3) (husband's/wife's/partner's) name, or something else?
1. JOINT ACCOUNT
2. RESPONDENT'S ACCOUNT
3. SPOUSE'S ACCOUNT
5. CHILD ONLY
6. CHILD AND RESPONDENT'S/SPOUSE
7. OTHER RELATIVE
8. OTHER RELATIVE WITH RESPONDENT OR SPOUSE
9. UNRELATED PERSON, NFS
10. UNRELATED PERSON WITH RESPONDENT OR SPOUSE
50. Trust account
-7. OTHER
0. Inap. (No money market accounts, no further
money market accounts, not married/living with partner)
3707(#1) N21 INTERVIEWER: Is there another account?
3712(#2)
3717(#3) 1. YES
5. NO
0. Inap. (No money market accounts, no further
money market accounts)
3718 N21.1 How much is in all your (family's) remaining money market
accounts?
Code actual amount
0. Inap. (No money market accounts, no further
money market accounts)
3719 N22. Do you (or anyone in your family here) have any CDs or
certificates of deposit at financial institutions? (IF
YES, SAY: Please do not include CDs that are part of
IRAs or Keoghs.)
(IF R ASKS: CDs ARE CERTIFICATES HELD FOR A SET PERIOD
OF TIME THAT MUST BE CASHED OR RENEWED AT THE MATURITY
DATE.)
1. YES
5. NO
3720 N22.1 Altogether, how many such CDs do you (and your family
living here) have?
Code # CERTIFICATES
0. Inap. (No CDs)
For the public use tape, the number of CD's
is top-coded at 150.
3721 N22.2 What is the total dollar value of (this/all these) CDs?
Code actual amount
0. Inap. (No CDs)
3722 N22.3 (Please look at the Institutions Card.) (Is this/Are
3723 these) CDs with any of the institutions on the
3724 Institutions Card, or from someplace else?
3725 (CHECK ALL THAT APPLY)
7618 (IF the Institutions Card: Which institution?)
(IF SOMEPLACE ELSE: What type of institution is
that?) (INTERVIWER: CHECK INSTITUTIONS CARD AND
UPDATE IF A NEW INSTITUTION IS MENTIONED.)
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No CDs, no further institutions)
9134 (1) R: Type of institution
9135 (2)
9136 (3)
9137 (4)
9214 (5) See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No CDs, no further institutions)
7619 N22.4 CHECKPOINT: Check the HHL (page HHL-1). Is R
married or living with a partner?
1. YES
5. NO
0. Inap. (No CDs)
7620 N22.5 Is (the money in this CD/most of the money in these
CDs) held jointly with your (husband/wife/partner),
is (it/most of it) in your name, your
(husband's/wife's/partner's) name, or something else?
1. JOINT ACCOUNT
2. RESPONDENT'S ACCOUNT
3. SPOUSE'S ACCOUNT
5. CHILD ONLY
6. CHILD AND RESPONDENT'S/SPOUSE
7. OTHER RELATIVE
8. OTHER RELATIVE WITH RESPONDENT OR SPOUSE
9. UNRELATED PERSON, NFS
10. UNRELATED PERSON WITH RESPONDENT OR SPOUSE
11. R and Spouse have equal holdings in separate
accounts
12. Other arrangements between R and Spouse
50. Trust account
-7. OTHER
0. Inap. (No CDs)
3801 N23. Do you (or anyone in your family living here) have any
(other) accounts at banks, savings and loan associations,
or credit unions? These could be passbook
accounts, share accounts, Christmas Club accounts,
or any other type of savings account.
1. YES
5. NO
3802 N23.1 Altogether, how many such accounts do you (and your family
living here) have?
Code # ACCOUNTS
0. Inap. (No savings accounts)
3803(#1) N24. (Please look at the Institutions Card.) Is the
3806(#2) (next) largest account with any of the
3809(#3) institutions on the Institutions Card, or
3812(#4) from someplace else?
3815(#5) (IF the Institutions Card: Which institution?)
(IF SOMEPLACE ELSE: What type of institution is that?)
(INTERVIWER: CHECK INSTITUTIONS CARD AND UPDATE IF
A NEW INSTITUTION IS MENTIONED.)
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No savings accounts, no further savings
accounts)
9138 (#1) R: Type of institution
9139 (#2)
9140 (#3)
9141 (#4)
9142 (#5)
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No savings accounts, no further savings
accounts)
3804(#1) N25. How much is in this account?
3807(#2)
3810(#3) Code actual amount
3813(#4)
3816(#5)
-1. Nothing; zero
0. Inap. (No savings accounts, no further savings
accounts)
7621(#1) N25.1 CHECKPOINT: Check the HHL (page HHL-1). Is R
7623(#2) married or living with a partner?
7625(#3)
7627(#4)
7629(#5) 1. YES
5. NO
0. Inap. (No savings accounts, no further savings
accounts)
7622(#1) N25.2 Is this a joint account with your
7624(#2) (husband/wife/partner), is the account in your
7626(#3) name, your (husband's/wife's/partner's) name,
7628(#4) or something else?
7630(#5)
1. JOINT ACCOUNT
2. RESPONDENT'S ACCOUNT
3. SPOUSE'S ACCOUNT
5. CHILD ONLY
6. CHILD AND RESPONDENT'S/SPOUSE
7. OTHER RELATIVE
8. OTHER RELATIVE WITH RESPONDENT OR SPOUSE
9. UNRELATED PERSON, NFS
10. UNRELATED PERSON WITH RESPONDENT OR SPOUSE
-7. OTHER
0. Inap. (No savings accounts, no further savings
accounts, not married/living with partner)
3805(#1) N26 INTERVIEWER: Is there another account?
3808(#2)
3811(#3)
3814(#4) 1. YES
3817(#5) 5. NO
0. Inap. (No savings accounts, no further savings
accounts)
0. Inap. (No savings accounts, no further savings
accounts)
3818 N26.1 How much is in all your (family's) remaining such
accounts?
Code actual amount
-1. Nothing; zero
0. Inap. (No savings accounts, no further savings
accounts)
3819 N27. Do you (or anyone in your family here) have any
shares in mutual funds? (IF YES, SAY: Please do not
include any pension-type, thrift-saving, 401-K, or
IRA/Keogh plans, or accounts I have already
recorded.)
1. YES
5. NO
3820 N27.1 In how many different mutual funds (do you/does your
family) own shares? (INTERVIEWER: WE WANT THE
NUMBER OF FUNDS, NOT THE NUMBER OF FUND MANAGEMENT
COMPANIES.)
Code # MUTUAL FUNDS
0. Inap. (No mutual funds)
N28 I need to know what type(s) of mutual fund(s) (this
is/these are)? (Is it/Are any of them)...
3821 N28.1 Stock Funds
3823 N28.2 (Are any of them) Tax-Free Bond Funds
3825 N28.3 (Are any of them) Government or Government backed
Bond Funds
3827 N28.4 (Are any of them) other Bond Funds
3829 N28.5 Combination funds or any other mutual funds (INCLUDE
"DK TYPE" HERE)
1. YES
5. NO
0. Inap. (No mutual funds)
N29 What is the total market value of all of the (TYPE)
that you (and your family living here) have?
3822 N29.1 Stock Funds
3824 N29.2 (Are any of them) Tax-Free Bond Funds
3826 N29.3 (Are any of them) Government or Government backed
Bond Funds
3828 N29.4 (Are any of them) other Bond Funds
3830 N29.5 Combination funds or any other mutual funds (INCLUDE
"DK TYPE" HERE)
Code actual amount
0. Inap. (No mutual funds, no TYPE mutual funds)
3831 N30. Overall has there been a gain or loss in the value
of all these mutual fund shares since you (or
someone in your family here) obtained them?
1. GAIN
3. NEITHER GAIN NOR LOSS
5. LOSS
0. Inap. (No mutual funds)
3832 N30.1 How much have they gained in value since they were
obtained?--PERCENT
Code PERCENT to 2 decimal places
-2. Virtually all
0. Inap. (No mutual funds, loss or no change in
value of mutual funds)
3833 N30.1 How much have they gained in value since they were
obtained?--AMOUNT
Code actual amount
-2. Virtually all
0. Inap. (No mutual funds, loss or no change in
value of mutual funds)
3834 N30.2 How much have they lost in value since they were
obtained?--PERCENT
Code PERCENT to 2 decimal places
-2. Virtually all
0. Inap. (No mutual funds, gain or no change in
value of mutual funds)
3835 N30.2 How much have they lost in value since they were
obtained?--AMOUNT
Code actual amount
-2. Virtually all
0. Inap. (No mutual funds, gain or no change in
value of mutual funds)
3901 N31. Do you (or anyone in your family here) have any U.S.
government savings bonds?
(THESE MAY BE CALLED SERIES EE OR HH. THEY CAN BE
PURCHASED BY PAYROLL DEDUCTION.)
1. YES
5. NO
3902 N31.1 What is the total face value of all the savings bonds that
you (and your family) have?
Code actual amount
0. Inap. (No savings bonds)
3903 N32. Do you (or anyone here) have any other corporate,
municipal, government, or other type of bonds or bills?
(IF YES, SAY: Please do not include any bonds or bills
held in pension accounts or trusts, or in accounts I have
already recorded.)
1. YES
5. NO
3904 N32.1 How many different bonds or bills do you (or your family)
own?
Code # BONDS OR BILLS
0. Inap. (No bonds or bills)
For the public use tape, the number of bonds is
is top-coded at 150.
N33. I need to know what type(s) of bond(s) or bill(s)
(this is/these are)? (Is it/Are any of them)...
3905 N33.1 Mortgage-backed bonds such as those from "Ginnie-Mae",
"Fannie-Mae" or "Freddie-Mac"
3907 N33.2 U.S. Government bonds or Treasury bills
3909 N33.3 State or municipal bonds, or other taxfree bonds
7631 N33.4 Foreign bonds
7632 N33.5 Corporate or any other type of bonds
(INCLUDE "DK TYPE" HERE)
1. YES
5. NO
0. Inap. (No bonds or bills)
N34 What is the total face value of all of the (TYPE) that you
(and your family living here) have?
3906 N34.1 Mortgage-backed bonds such as those from "Ginnie-Mae",
"Fannie-Mae" or "Freddie-Mac"
3908 N34.2 U.S. Government bonds or Treasury bills
3910 N34.3 State or municipal bonds, or other taxfree bonds
7633 N34.4 Foreign bonds
7634 N34.5 Corporate or any other type of bonds
(INCLUDE "DK TYPE" HERE)
Code actual amount
0. Inap. (No bonds or bills, no TYPE bonds or bills)
N34.6 What is the total market value of all of the
(TYPE) that you (and your family living here) have?
7635 N34.7 Mortgage-backed bonds such as those from "Ginnie-Mae",
"Fannie-Mae" or "Freddie-Mac"
7636 N34.8 U.S. Government bonds or Treasury bills
7637 N34.9 State or municipal bonds, or other taxfree bonds
7638 N34.10 Foreign bonds
7639 N34.11 Corporate or any other type of bonds
(INCLUDE "DK TYPE" HERE)
Code actual amount
0. Inap. (No bonds or bills, no TYPE bonds or bills)
3913 N35. Do you (or anyone in your family living here) own any
publicly traded stock? (IF YES, SAY: Please do not
include any stock held through mutual funds, pension
accounts or trusts, or in accounts or businesses that I
have already recorded.)
1. YES
5. NO
3914 N36. In how many different companies do you (or your family
living here) own stock?
Code # COMPANIES
0. Inap. (No publicly traded stock)
For the public use tape, the number of companies
is top-coded at 150.
3915 N37. What is the total market value of this stock?
Code actual amount
0. Inap. (No publicly traded stock)
3916 N38. Overall has there been a gain or loss in the value
of this stock since you (or someone in your family
here) obtained it?
1. GAIN
3. NEITHER GAIN NOR LOSS
5. LOSS
0. Inap. (No publicly traded stock)
3917 N38.1 How much has it gained in value since it was obtained?
--PERCENT
Code PERCENT to 2 decimal places
-2. Virtually all
0. Inap. (No publicly traded stock, loss or no
change in value of publicly traded stock)
3918 N38.1 How much has it gained in value since it was obtained?
--AMOUNT
Code actual amount
-2. Virtually all
0. Inap. (No publicly traded stock, loss or no
change in value of publicly traded stock)
3919 N38.2 How much has it lost in value since it was obtained?
--PERCENT
Code PERCENT to 2 decimal places
0. Inap. (No publicly traded stock, gain or no
change in value of publicly traded stock)
3920 N38.2 How much has it lost in value since it was obtained?
--AMOUNT
Code actual amount
-2. Virtually all
0. Inap. (No publicly traded stock, gain or no
change in value of publicly traded stock)
3921 N39. Of your (family's) stock, is any of it stock in a company
where you (or anyone in your family living here)
work or have worked?
1. YES
5. NO
0. Inap. (No publicly traded stock)
3922 N39.1 What is the total market value of this stock in the
company?
Code actual amount
0. Inap. (No publicly traded stock, no publicly
traded stock in company where work)
7640 N39.2 Of your family's stock, is any of it stock in a
company headquartered outside of the United States?
1. YES
5. NO
0. Inap. (No publicly traded stock, no publicly
traded stock in company where work)
7641 N39.3 What is the total market value in dollars of this
stock?
Code actual amount
0. Inap. (No publicly traded stock, no publicly
traded stock in company where work, company not
headquartered outside of U.S.)
3923 N40. Do you (or anyone in your family here) have a brokerage
account for the purchase or sale of stocks and other
securities?
1. YES
5. NO
0. Inap. (No publicly traded stock)
3924 (1) N40.1 (Please look at the Institutions Card.) (Is
3925 (2) this/Are these) accounts with any of the
3926 (3) institutions on the Institutions Card, or from someplace
3927 (4) else? (CHECK ALL THAT APPLY.)
7642 (5) (IF the Institutions Card: Which institution(s)?)
(IF SOMEPLACE ELSE: What type(s) of institution(s)?)
(INTERVIWER: CHECK INSTITUTIONS CARD AND UPDATE IF
A NEW INSTITUTION IS MENTIONED.)
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No publicly traded stock, no brokerage account,
no further institutions)
9143 (1) R: Type of institution
9144 (2)
9145 (3)
9146 (4)
9212 (5) See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No publicly traded stock, no brokerage account,
no further institutions)
3928 N40.2 Over the past year, about how many times did you (or
anyone in your family living here) buy or sell stocks or
other securities through a broker? (ACCEPT RANGE.)
Code # TIMES
-1. NONE
0. Inap. (No publicly traded stock, no brokerage
account)
For the public use tape, the number of time the R
traded stock is top-coded at 300.
3929 N40.3 Not including any accounts you've told me about, do you
(or anyone in your family living here) have a "cash" or
"call money" account at a stock brokerage?
(IF R ASKS: CASH OR CALL MONEY ACCOUNTS HOLD MONEY
RECEIVED FROM THE SALE OF STOCK UNTIL THE MONEY IS
REINVESTED.)
1. YES
5. NO
0. Inap. (No publicly traded stock, no brokerage account)
3930 N40.4 What is the total dollar value of all the cash or call
money accounts that you (and your family living here)
have?
Code actual amount
-1. Zero; nothing now
0. Inap. (No publicly traded stock, no brokerage account,
no call account)
3931 N40.5 Other than loans you have already told me about, do you
(or anyone in your family living here) have any margin
loans at a stock brokerage?
1. YES
5. NO
0. Inap. (No publicly traded stock, no brokerage account)
3932 N40.6 Altogether, what is the current balance on these
margin loans?
Code actual amount
0. Inap. (No publicly traded stock, no brokerage account,
no margin loans)
3933 N41. Do you (or anyone in your family here) receive income from
or have assets in a trust, annuity, or managed investment
account that you have not already told me about? (IF YES,
SAY: Please do not include pension-type accounts, or any
assets that I have already recorded.)
1. YES
5. NO
N42. What are these; are they legal trusts, annuities, or
managed investment accounts? (CHECK ALL THAT APPLY)
3934 N42.1 LEGAL TRUSTS
3935 N42.2 ANNUITIES
3936 N42.3 MANAGED INVESTMENT ACCOUNTS; other non-pension
retirement account
3937 N42.4 OTHER:
1. Checked
5. Not checked
0. Inap. (No trusts, annuities, or managed
investment accounts)
3938 N43. Are any of these set up so that you (or your family living
here) are legally entitled only to the income and do not
have an equity interest?
1. YES
5. NO
0. Inap. (No trusts, annuities, or managed
investment accounts)
3939 N43.1 How much income did (you/your family living here) receive
from these income-only trusts, annuities, or accounts in
1991?
Code actual amount
-1. ZERO; none yet
0. Inap. (No trusts, annuities, or managed
investment accounts; no income-only accounts)
3940 N43.2 Do you (or your family living here) also have annuities,
trusts, or managed investment accounts in which you (or
your family) have an equity interest?
1. YES
5. NO
0. Inap. (No trusts, annuities, or managed
investment accounts; no income-only accounts)
3941 N43.3 What is the total dollar amount of your (family's)
interest in these accounts? (Asked if R has
income-only accounts)
Code actual amount
0. Inap. (No trusts, annuities, or managed
investment accounts; no equity interset in such
accounts)
3942 N44. What is the total dollar value of your (family's) interest
in all annuities, trusts, or managed investment accounts?
(Asked if R does not have income-only accounts)
Code actual amount
0. Inap. (No trusts, annuities, or managed
investment accounts; no equity interest in such
accounts)
3943 N45. Who manages your (family's) trusts, annuities, or
3944 investment accounts,--is it any of the institutions on
3945 the Institutions Card, or are they managed by someone else?
3946 (CHECK ALL THAT APPLY.)
7643 (IF the Institutions Card: Which institution(s)?)
(IF SOMEPLACE ELSE: What type of institution(s) or who
manages them?)
(INTERVIWER: CHECK INSTITUTIONS CARD AND UPDATE IF
A NEW INSTITUTION IS MENTIONED.)
See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No trusts, annuities, or managed
investment accounts; no further institutions)
9147 (1) R: Type of institution
9148 (2)
9149 (3)
9150 (4)
9213 (5) See FINANCIAL INSTITUTIONS master reference list
0. Inap. (No trusts, annuities, or managed
investment accounts; no further institutions)
3947 N46. How is the money in these trusts and managed accounts
invested? Is most of it in stocks, most of it in bonds or
other interest-earning assets, or what?
1. STOCKS; "mutual fund" (exc. money market)
2. BONDS/INTEREST/CDs/money market
3. Real estate
5. Combination of 1 & 2; "mutual funds and CD's"
6. "Mixed"; "diversified"
7. Life insurance; annuities
8. Tangible assets other than real estate
9. Intangible assets, n.e.c.
-7. OTHER; combination of 1, 2 & 3
0. Inap. (No trusts, annuities, or managed
investment accounts)
4001 N47. Do you (or anyone in your family living here) have any
life insurance? Please include individual or group
policies, but not accident insurance.
1. YES
5. NO
4002 N48. Are any of these group or individual term insurance
policies?
(IF R ASKS: TERM INSURANCE POLICIES HAVE NO VALUE UNLESS
THE PERSON DIES. MANY SUCH POLICIES ARE ISSUED THROUGH
EMPLOYERS AND UNIONS.)
1. YES
5. NO
0. Inap. (No life insurance)
4003 N48.1 What is the current face value of all the term life
policies that you (and your family living here) have?
Code actual amount
0. Inap. (No life insurance, no term insurance)
4004 N48.2 Do you have any policies that build up a cash value
or that you can borrow on? (If R asks: these are
sometimes called "whole life" or "straight life").
N49. Do you have any policies that build up a cash value or
that you can borrow on?
(IF R ASKS: THESE ARE SOMETIMES CALLED "WHOLE LIFE" OR
"STRAIGHT LIFE".)
1. YES
5. NO
0. Inap. (No life insurance, no term insurance)
4005 N49.1 What is the current face value of all of the policies that
build up a cash value that you (and your family living
here) have? (THE FACE VALUE OF A POLICY IS WHAT THE
POLICY WOULD PAY IN THE EVENT OF DEATH.)
Code actual amount
0. Inap. (No life insurance, no whole-life insurance)
4006 N49.2 What is the total cash value of these policies?
(THE CASH VALUE OF A POLICY IS WHAT THE INSURANCE
COMPANY WOULD PAY IF THE POLICY WERE SURRENDERED
BEFORE DEATH.) (EDITED TO BE GROSS CASH VALUE WHEN
REPORTED AS NET)
Code actual amount
-1. Zero; none yet
0. Inap. (No life insurance, no whole-life insurance)
4007 N49.3 Are you (or your family) borrowing against these policies?
1. YES
5. NO
0. Inap. (No life insurance, no whole-life insurance)
4008 N49.4 (ASK ONLY IF AN AMOUNT WAS GIVEN IN N49.2) Is the cash
value you just gave me net of any loans you have against
the policy or is it the gross cash value?
(IF R ASKS: THE NET VALUE IS THE TOTAL CASH VALUE MINUS
ANY LOANS.)
1. NET
2. GROSS
3. Value reported at N49b reported as net, but
recoded to gross
0. Inap. (No life insurance, no whole-life
insurance, not borrowing against whole-life insurance)
4009 N49.5 Did I record these loans earlier in the interview?
1. YES
5. NO
0. Inap. (No life insurance, no whole-life
insurance, not borrowing against whole-life insurance)
7645 N49.6 Where did you tell me about the loans?
code up to 5 characters
0. Inap. (No life insurance, no whole-life
insurance, not borrowing against whole-life
insurance, loan not recorded earlier)
8175 R: Link code for loan mentioned earlier
1. B10, #1
2. B10, #2
3. B10, #3
4. B10, #4
5. D36, col. 1
6. D36, col. 2
7. D36, col. 3
8. D51
9. D53h, col. 1
10. D53h, col. 2
11. D53h, col. 3
12. D64
13. E33, col. 1
14. E33, col. 2
15. E33, col. 3
16. G22, col. 1
17. G22, col. 2
18. G22, col. 3
19. G38, col. 1
20. G38, col. 2
21. H14, col. 1
22. H14, col. 2
23. H14, col. 3
24. H14, col. 4
25. H14, col. 5
26. H14, col. 6
101. Link not made
0. Inap. (No life insurance, no whole-life
insurance, not borrowing against whole-life insurance)
4010 N49.7 How much is currently borrowed?
Code actual amount
0. Inap. (No life insurance, no whole-life
insurance, not borrowing against whole-life insurance)
4011 N49.8 Typically how often (do you/does your family) make
payments on these loans and how large are the payments?
Code $ amount
-1. NO TYPICAL PAYMENTS
-2. NONE
0. Inap. (No life insurance, no whole-life
insurance, not borrowing against whole-life insurance)
4012 N49.8 PER
2. Week
4. Month
5. Quarter
6. Year
11. Twice per year; every 6 months
12. Bimonthly
-7. Other
0. Inap. (No life insurance, no whole-life
insurance, not borrowing against whole-life insurance)
4013 N49.9 What is the current annual rate of interest being charged
on these loans?
Code % to 2 decimal places
-1. Zero; none
0. Inap. (No life insurance, no whole-life
insurance, not borrowing against whole-life insurance)
4014 N49.10 How much in total are the yearly premiums for these
policies that build up a cash value?
Code actual amount
-1. NO TYPICAL PREMIUMS
-2. NONE
0. Inap. (No life insurance, no whole-life
insurance)
4015 N49.10 PER
2. Week
4. Month
5. Quarter
6. Year
11. Twice per year; every 6 months
12. Bimonthly
-1. NO REGULAR PAYMENTS
-7. Other
0. Inap. (No life insurance, no whole-life
insurance)
4016 N50. (Other than this term insurance) What is the
current face value of all the life
insurance that you (and your family living here)
own?
Code $ amount
0. Inap. (No life insurance)
4017 N51. We have talked about various types of savings,
investments, and loans. Other than what I have already
recorded, are you (or anyone in your family living here)
owed any money by friends, relatives outside the
immediate family, businesses, or others?
(WE DO NOT WANT TO INCLUDE LOANS BETWEEN
FINANCIALLY DEPENDENT FAMILY MEMBERS HERE.)
1. YES
5. NO
4018 N51.1 Altogether, how much are you owed?
Code actual amount
0. Inap. (No other loans owed to R)
4019 N52. Other than pension 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, futures
contracts, oil and gas leases, 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
4020 (1) N52.1 (About the most valuable of these ..) What kind of asset
4024 (2) is it?
4028 (3)
1. Gold
2. Silver (incl. silverware)
3. Other metals or metals NA type
10. Jewelry; gem stones (incl. antique)
11. Cars, motorcyles, other vehicles (antique or classic)
12. Antiques; furniture
13. Art objects; paintings; sculpture
14. (Rare) books
15. Coin collections
16. Stamp collection
17. Guns
18. Real estate (exc. cemetery) (overflow from C20)
19. Cemetery plots
20. China; figurines; crystal
21. Musical instruments
22. Livestock; horses
23. Oriental rugs
24. Furs
25. Other collections, incl. baseball cards, records,
wine
61. Loans to friends/relatives
62. Other loans/debts owed to R
63. Cash, n.e.c.
64. Future proceeds from a lawsuit
65. " " " an estate
66. Deferred compensation
71. Oil/gas/mineral leases or investments
72. (Commodity) futures contracts
73. Royalties
74. Non-publicly traded stock
75. Computers; equipment; tools
76. Other investments or loans to R's businesses
-7. Other
0. Inap. (No other assets, no additional other assets)
For the public use tape, Future proceeds from a
lawsuit (64) and Future proceeds from an estate
(65) are combined in 64; antiques and furniture
(12), rare books (14), and oriental rugs (23) are combined
in 12; Other loans/debts owed to R (62) and Other investments
or loans to R's businesses (76) are combined in 62; and
Oil/gas/mineral leases or investments (71) and (Commodity)
futures contracts (72) are combined in 71.
4022(#1) N52.2 What is the total dollar value that you (and your family
4026(#2) living here) have in (TYPE)?
4030(#3)
Code actual amount
0. Inap. (No other assets, no additional other assets)
4031 N53. Do you (or anyone in your family living here) owe any
other money not recorded earlier? (WE DO NOT WANT
TO INCLUDE ANY LOANS BETWEN FINANCIALLY DEPENDENT
FAMILY MEMBERS.)
1. YES
5. NO
4032 N53.1 How much is owed?
Code actual amount
0. Inap. (No other money owed)
7646 N54 INTERVIEWER: HAS R MENTIONED ANY ACCOUNTS IN THIS
SECTION?
1. YES
5. NO
0. Inap. (No other assets, no additional other assets)
7647 N55 Thinking about all the accounts we have talked
about, are any of the accounts you have told me
about held in some currency other than U.S. dollars?
1. YES
5. NO
0. Inap. (No other assets)
Top of Page
-----------------------------------------------------------------------------
CURRENT JOB
-----------------------------------------------------------------------------
R1. We are interested in your present job status. Are you
working now, temporarily laid off, unemployed and looking
for work, disabled and unable to work, retired, a student,
a homemaker, or what? (CODE ALL THAT APPLY.)
(SHOW CARD 14.)
R49 We are interested in your(husband's/wife's/
partner's) present job status. Is (he/she) working
now, temporarily laid off, unemployed and looking
for work, disabled and unable to work, retired, a
student, a homemaker, or what? (CODE ALL THAT
APPLY.) (SHOW CARD 14) IF R/S IS "WORKING NOW" AND
ANY OTHER CATEGORY, ASK ALL FOLLOW-UP QUESTIONS AND
GO TO R2/R50.
4100 R1 SUMMARY OF OCCUPATION STATUS AND WORKING NOW
4700 R49 SUMMARY OF OCCUPATION STATUS AND WORKING NOW
CURRENTLY WORKING FOR PAY:
11. Worker only
12. Worker + disabled
13. Worker + retired
14. Worker + student
15. Worker + homemaker
16. Worker + unemployed/looking for work
17. Worker + temporarily laid off (NO at R1.1, YES at
R1.3, R2=current job)
NO CURRENT WORK FOR PAY:
20. Temporarily laid off only (R2=job laid off from, to
which R expects to return [YES or DK at R1.1])
21. Temporarily laid off--does not expect to return to
job and no current work
30. Unemployed and looking for work
50. Retired only
52. Disabled only
"Homemaker" is a low priority
working status coded only in
80 and 15. For other combina-
tions including "Homemaker",
choose a code on the basis of
the other item(s) checked.
70. Student only
80. Homemaker/other not in labor force only
90. Unpaid family workers: R's who volunteer that they
work in a family business or farm and are unpaid.
(Do not include here "volunteer work" for charitable
or non-profit organizations.)
96. Other combination incl. WORKER
97. Other (incl. combination) not including WORKER
199. Absent spouse not included in IW
-7. OTHER
0. Inap. (No spouse)
4101 R1.1 Do you expect to go back to this job?
4701 R49.1 Does (he/she) expect to go back to this job?
1. YES
5. NO
0. Inap. (No spouse, not temporarily laid off)
4102 R1.2 When did you last work on this job?--MONTH
4702 R49.2 When did (he/she) last work on this job? MONTH
Code MONTH
0. Inap. (No spouse, not temporarily laid off)
4103 R1.2 When did you last work on this job?--YEAR
4703 R49.2 When did (he/she) last work on this job? YEAR
Code YEAR
0. Inap. (No spouse, not temporarily laid off)
4104 R1.4 When did you (retire/become disabled)?
4704 R49.4 When did (he/she) (retire/become disabled)?
Code YEAR
0. Inap. (No spouse, not retired/disabled)
4105 R1.3/R1.5 Are you doing any work for pay at the present time?
4705 R49.3/R49.5 Is (he/she) doing any work for pay at the present time?
1. YES
5. NO
0. Inap. (No spouse, currently working)
4106 R2. Next are some questions about your current, main job. Do
you work for someone else, are you self-employed, or what?
4706 R50. Next are some questions about (his/her) current,
main job. Does (he/she) work for someone else, is
(he/she) self employed, or what?
1. SOMEONE ELSE
2. SELF-EMPLOYED
3. partnership
-7. OTHER
0. Inap. (No spouse, not currently working)
4107 R2. EDITOR PRECODE: BUSINESS/JOB CONNECTION (R NOT SE)
R14. MARK BOX (BUSINESS IS FROM SECT. F) (R SE)
4707 R50 EDITOR PRECODE: BUSINESS/JOB CONNECTION (S NOT SE)
R62 MARK BOX (BUSINESS IS FROM SECT. F) (S SE)
1. YES
5. NO
0. Inap. (No spouse, not currently working)
7401 R3. What is the official title of your job? (The title that
your employer uses?) (R NOT SE)
R4. What sort of work do you do on your main job? (Tell me a
little more about what you do.) (R NOT SE)
R14. What sort of work do you do? (Tell me a little more about
what you do.)
R14.1 IWER: DOES R WORK FOR A BUSINESS REPORTED IN
SECTION F? (R SE)
7411 R51. What is the official title of (his/her) job? (The title
that (his/her) employer uses?) (S NOT SE)
R52. What sort of work does (he/she) do on (his/her) main job?
(Tell me a little more about what (he/she) does.)
(S NOT SE)
R62. What sort of work does (he/she) do? (Tell me a
little more about what (he/she) does.)
R62.1 IWER: DOES S WORK FOR A BUSINESS REPORTED IN
SECTION F? CHECK F22. (S SE)
Code 3-digit 1980 Census OCCUPATION Code
0. Inap. (No spouse, not currently working)
For the public use tape, the 1980 occupation codes
were collapsed using the SAS code that follows below.
***************************************************************************
Code to collapse occupations
***************************************************************************
ARRAY OCC {*} X7401 X7405 X7407 X7409
X7411 X7415 X7417 X7419;
DO I=1 TO DIM(OCC);
IF (3 <= OCC{I} <=37) THEN OCC{I}=1;
IF (43 <= OCC{I} <=199) THEN OCC{I}=1;
IF (203 <= OCC{I} <=235) THEN OCC{I}=2;
IF (243 <= OCC{I} <=285) THEN OCC{I}=2;
IF (303 <= OCC{I} <=389) THEN OCC{I}=2;
IF (403 <= OCC{I} <=407) THEN OCC{I}=3;
IF (413 <= OCC{I} <=427) THEN OCC{I}=3;
IF (433 <= OCC{I} <=469) THEN OCC{I}=3;
IF (473 <= OCC{I} <=499) THEN OCC{I}=6;
IF (503 <= OCC{I} <=699) THEN OCC{I}=4;
IF (703 <= OCC{I} <=799) THEN OCC{I}=5;
IF (803 <= OCC{I} <=859) THEN OCC{I}=5;
IF (863 <= OCC{I} <=889) THEN OCC{I}=5;
IF (905 <= OCC{I} <=905) THEN OCC{I}=3;
END;
***************************************************************************
7402 R5. What kind of business or industry do you work in--that is,
what do they make or do at the place where you work?
(R NOT SE)
R14.2 What industry do you work in? That is, what do they do or
make? (What industry do you typically work in?) (R SE)
7412 R53 What kind of business or industry does (he/she) work
in that is, what do they make or do at the place where
(he/she) works? (S NOT SE)
R62.2 What industry does (he/she) work in? That is, what
do they do or make? (What industry does (he/she)
typically work in?) (S SE)
Code 3-digit 1980 Census INDUSTRY Code
0. Inap. (No spouse, not currently working)
For the public use tape, the 1980 industry codes
were collapsed using the SAS code that follows below.
***************************************************************************
Code to collapse industries
***************************************************************************
ARRAY IND {*} X7402 X7406 X7408 X7410
X7412 X7416 X7418 X7420;
DO I=1 TO DIM(IND);
IF (10 <= IND{I} <=31) THEN IND{I}=1;
IF (40 <= IND{I} <=50) THEN IND{I}=2;
IF (60 <= IND{I} <=60) THEN IND{I}=2;
IF (100 <= IND{I} <=392) THEN IND{I}=3;
IF (500 <= IND{I} <=571) THEN IND{I}=4;
IF (580 <= IND{I} <=691) THEN IND{I}=4;
IF (700 <= IND{I} <=712) THEN IND{I}=5;
IF (721 <= IND{I} <=760) THEN IND{I}=5;
IF (400 <= IND{I} <=472) THEN IND{I}=6;
IF (761 <= IND{I} <=791) THEN IND{I}=6;
IF (800 <= IND{I} <=802) THEN IND{I}=6;
IF (812 <= IND{I} <=892) THEN IND{I}=6;
IF (900 <= IND{I} <=932) THEN IND{I}=7;
END;
***************************************************************************
4110 R6. How many hours do you work on your main job in a normal
week? (R NOT SE)
R14.5 How many hours do you work (for yourself/in this business)
in a normal week? (R SE)
4710 R54 How many hours does (he/she) work on (his/her) main
job in a normal week? (S NOT SE)
R62.5 How many hours does (he/she) work (for himself/for
herself/in this business) in a normal week? (S SE)
Code # HOURS
95. 95 hours or more; "all the time"; "24 hours a day"
0. Inap. (No spouse, not currently working)
4111 R7. (READ SLOWLY) Counting paid vacations as weeks of work,
how many weeks do you work on this job in a normal year?
(R NOT SE)
R14.6 (READ SLOWLY) Counting paid vacations as weeks of work,
how many weeks per year do you work on this job? (R SE)
4711 R55 (READ SLOWLY) Counting paid vacations as weeks of work,
how many weeks does (he/she) work on this job in a normal
year? (S NOT SE)
R62.6 (READ SLOWLY) Counting paid vacations as weeks of work,
how many weeks per year does (he/she) work on this job?
(S SE)
Code # WEEKS
0. Inap. (No spouse, not currently working)
4125 R14.7 How are you paid? Are you paid a regular salary or wages?
(ONLY ASKED IF R SE)
4175 R62.7 How is (he/she) paid? Is (he/she) paid a regular
salary or wages? (ONLY ASKED IF SPOUSE SE)
1. YES
5. NO
0. Inap. (No spouse, not currently working, not
self-employed)
4112 R8. About how much do you earn before taxes on your main job?
(Is that per hour, week, month, year, or what?) (R NOT SE)
R14.8 How much in salary or wages are you paid before taxes?
(R SE -- NOT ANSWERED UNLESS 4125/6 = 1)
4712 R56 About how much does (he/she) earn before taxes on
(his/ her) main job? (Is that per hour, week,
month, year, or what?) (S NOT SE)
R62.8 How much in salary or wages is (he/she) paid before
taxes? (S SE -- NOT ANSWERED UNLESS 4725/6 = 1)
Code actual amount
-1. Zero; take no pay out of business
0. Inap. (No spouse, not currently working)
4113 R8. PER (R NOT SE)
R14.8 PER (R SE)
4713 R56 PER (S NOT SE)
R62.8 PER (S SE)
1. Day
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
11. Twice per year; every 6 months
12. Bimonthly
14. By the job
18. Hour
-7. Other
0. Inap. (No spouse, not currently working)
4127 R14.9 Do you (also) receive a portion of the net
earnings, or some other kind of income? (R SE)
4727 R62.9 Do you (also) receive a portion of the net
earnings, or some other kind of income? (S SE)
1. Yes
5. No
0. Inap. (No spouse, not currently working, not
self-employed)
4131 R14.10 (In addition to regular salary,) how much do you
personally receive from the business before taxes? (What did
you get in 1991?) (ONLY ASKED IF R SE)
4731 R62.10 (In addition to regular salary,) how much does (he/she)
personally receive from the business before taxes? (What did
(he/she) get in 1991?) (ONLY ASKED IF S SE)
Code actual amount
-1. Zero; none in 1991
0. Inap. (No spouse, not currently working, not
self-employed, no non-wage/salary income from job)
4132 R14.10 PER (ONLY ASKED IF R SE)
4732 R62.10 PER (ONLY ASKED IF S SE)
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
-7. Other
0. Inap. (No spouse, not currently working, not
self-employed, no non-wage/salary income from job)
4114 R9 About how many employees work for this company or
organization, including all locations? (Is it fewer than
10, 10 to 19, 20 to 99, 100 to 499, or 500 or more?)
(ONLY ASKED FOR R NOT SE; INFERRED FROM SECTION M
WHERE POSSIBLE; OTHERWISE, IMPUTED)
4714 R57 About how many employees work for this company or
organization, including all locations? (Is it fewer than
10, 10 to 19, 20 to 99, 100 to 499, or 500 or more?)
(ONLY ASKED FOR S NOT SE; INFERRED FROM SECTION M
WHERE POSSIBLE; OTHERWISE, IMPUTED)
1. LESS THAN 10
2. 10 TO 19
3. 20 TO 99
4. 100 TO 499
5. 500 OR MORE
0. Inap. (No spouse, not currently working)
4115 R10. How many years in total have you worked for this employer?
(R NOT SE)
R14.3 How many years have you worked for (yourself/this
business)? (R SE)
4715 R58. How many years in total has (he/she) worked for this
employer? (S NOT SE)
R62.3 How many years has (he/she) worked for (himself/herself/
this business)? (S SE)
Code # YEARS
1. ONE YEAR OR LESS
0. Inap. (No spouse, not currently working)
For the public use tape, the number of years is
top-coded at 60.
7679 R10. How many years in total have you worked for this employer?
(R NOT SE)
R14.3 How many years have you worked for (yourself/this
business)? (R SE)
7706 R58. How many years in total has (he/she) worked for this
employer? (S NOT SE)
R62.3 How many years has (he/she) worked for (himself/herself/
this business)? (S SE)
Code YEAR
0. Inap. (No spouse, not currently working)
4116 R11. How many years do you expect to continue working for this
employer? (ACCEPT RANGE.) (R NOT SE)
R14.4 About how many years do you expect to continue working for
(yourself/this business)? ACCEPT RANGE (R SE)
4716 R59. How many years does (he/she) expect to continue working
for this employer? (ACCEPT RANGE.) (S NOT SE)
R62.4 About how many years does (he/she) expect to continue
working for (himself/herself/this business)? ACCEPT RANGE
(S SE)
Code # YEARS
-1. NEVER STOP
0. Inap. (No spouse, not currently working)
7680 R11. How many years do you expect to continue working for this
employer? (ACCEPT RANGE.) (R NOT SE)
R14.4 About how many years do you expect to continue working for
(yourself/this business)? ACCEPT RANGE (R SE)
7707 R59. How many years does (he/she) expect to continue working
for this employer? (ACCEPT RANGE.) (S NOT SE)
R62.4 About how many years does (he/she) expect to continue
working for (himself/herself/this business)? ACCEPT RANGE
(S SE)
Code AGE
-1. NEVER STOP
0. Inap. (No spouse, not currently working)
4117 R12. Are you covered on this job by a union or employee-
association contract? (R NOT SE)
R14.11 Are you covered on this job by a union or employee-
association contract? (R SE)
4717 R60. Is (he/she) covered on this job by a union or employee
association contract? (S NOT SE)
R62.11 Is (he/she) covered on this job by a union or employee
association contract? (R SE)
1. YES
5. NO
0. Inap. (No spouse, not currently working)
7681 R13 Do you have any type of insurance other than Social
Security, that would help provide you with income
in the event that you became disabled? (R not SE)
R14.12 Do you have any type of insurance other than Social
Security, that would help provide you with income
in the event that you became disabled? (R SE)
7708 R61 Does (he/she) have any type of insurance other than Social
Security, that would help provide (him/her) with
income in the event that (he/she) became disabled?
(S not SE)
R62.12 Does (he/she) have any type of insurance other than Social
Security, that would help provide (him/her) with
income in the event that (he/she) became disabled? (S SE)
1. YES
5. NO
0. Inap. (No spouse, not currently working)
INFORMATION LINKED FROM 1992 CURRENT POPULATION SURVEY BY OCCUPATION CODE
8112 (R) R: Average for occupation group of fraction of last 52
8113 (S) weeks worked; multipled by 10
8114 (R) R: Average for occupation group of hours worked per year
8115 (S) in 1992; multiplied by 10
8116 (R) R: Fraction of occupation group unemployed in 1992;
8117 (S) multiplied by 1000
8169 (R) R: Unconditional mean wage for occupation group in 1992
8170 (S)
For each occupation group, regressions were run separately
for males and females of the log of annualized wages on a
constant, a spline on age (AGE, MAX(0, AGE-35),
MAX(0,AGE-55)), a dummy variable for part-time employment
(1 = working 20 or fewer hours per week), a dummy variable
for self-employment (1 = self-employed), a dummy for race
(1 = Hispanic or non-white), and dummy variables for years
of education (1 = : 12 years of education, some college or
an Associate's degree, Bachelor's degree, higher degree
than Bachelor's degree). If there were too few people in a CPS
3-digit occupation group, either the SCF case was matched to
a neighboring occupation group, or the match was made at the
level of the 2-digit occupation code. Some of the model
coefficients may be identically zero where there are too few
cases in the appropriate cells in the CPS to identify the
coefficients.
8105 (R) R: 10000 * Intercept
8106 (S)
8099 (R) R: For age in [1, 35]: 10000 * Coefficient of AGE
8100 (S)
8101 (R) R: For age in [36, 55]: 10000 * Coefficient of MAX(0,AGE-35)
8102 (S)
8103 (R) R: For age in [55, 999]: 10000 * Coefficient of MAX(0,AGE-55)
8104 (S)
8318 (R) R: 10000 * Coefficient of dummy for part-time employment
8319 (S)
8320 (R) R: 10000 * Coefficient of dummy for self-emlpoyment
8321 (S)
8322 (R) R: 10000 * Coefficient of dummy for Hispanic or nonwhite
8323 (S)
8324 (R) R: 10000 * Coefficient of dummy for 12 years of education
8325 (S)
8326 (R) R: 10000 * Coefficient of dummy for some college or
8327 (S) Associate's degree
8328 (R) R: 10000 * Coefficient of dummy for Bachelor's degree
8329 (S)
8330 (R) R: 10000 * Coefficient of dummy for higher degree than
8331 (S) Bachelor's degree
8107 (R) R: 10000 * Standard error log regression
8108 (S)
8109 (R) R: Annualized level of expected income from regression
8111 (S) (corrected for non-zero expectation of error term
for level)
-----------------------------------------------------------------------------
CURRENT JOB PENSIONS
-----------------------------------------------------------------------------
4135 R15. Many employers have pension or retirement plans, and some
provide tax-deferred plans such as thrift, savings,
401K's, profit sharing, or stock ownership plans,
some plans span multiple jobs, for example, TIAA,
CREF, union plans, etc. Are you included in any
pension or retirement plans, or in any tax-deferred
savings plans connected with the job you just told
me about? (DO NOT INCLUDE SOCIAL SECURITY.)
IF R MENTIONS IRA OR KEOGH PLANS, NOTE IN MARGIN AND SAY:
"We covered those earlier in the interview. Here, I just
want to find out about other plans operated through your
employer." (R NOT SE)
R14.13 Aside from IRA or Keogh plans, are you included in any
pension plans or tax-deferred savings plans through (your
work/the business)? (R SE)
4735 R63. Many employers have pension or retirement plans, and some
provide tax-deferred plans such as thrift, savings,
401K's, profit sharing, or stock ownership plans,
some plans span multiple jobs, for example, TIAA,
CREF, union plans, etc. Is (he/she) included in any
pension or retirement plans, or in any tax-deferred
savings plans connected with the job you just told
me about? (DO NOT INCLUDE SOCIAL SECURITY.)
IF R MENTIONS IRA OR KEOGH PLANS, NOTE IN MARGIN AND SAY:
"We covered those earlier in the interview. Here, I just
want to find out about other plans operated through (his/her)
employer." (S NOT SE)
R62.13 Aside from IRA or Keogh plans, is (he/she) included
in any pension plans or tax deferred savings plans
through [(his/her) work/the business? (S SE)
1. YES
5. NO
0. Inap. (No spouse, not currently working)
4136 R16. Does your employer offer any such plans?
(ONLY ASKED IF R NOT SE)
4736 R64. Does (his/her) employer offer any such plans?
(ONLY ASKED IF SP NOT SE)
1. YES
5. NO
0. Inap. (No spouse, not currently working,
included in pension plan on main job, self-employed)
4137 R16.1 Are you eligible to be included in any of these plans?
(ONLY ASKED IF R NOT SE)
4737 R64.1 Is (he/she) eligible to be included in any of these plans?
(ONLY ASKED IF SP NOT SE)
1. YES
5. NO
0. Inap. (No spouse, not currently working,
included in pension plan on main job, self-employed,
plan not offered)
4138 R16.2 Will you be eligible if you continue to work for this
employer? (ONLY ASKED IF R NOT SE)
4738 R64.2 Will (he/she) be eligible if (he/she) continues to work
for this employer? (ONLY ASKED IF SP NOT SE)
1. YES
3. DEPENDS
5. NO
0. Inap. (No spouse, not currently working,
included in pension plan on main job, self-employed,
plan not offered, eligible to be included in
plan)
4139 R17. In how many different plans of this sort are you included
on this job? (ONLY ASKED IF R NOT SE)
4739 R65. In how many different plans of this sort is (he/she)
included on this job? (ONLY ASKED IF SP NOT SE)
Code # PLANS
0. Inap. (No spouse, not currently working,
not included in pension plan on main job)
4140 R17.1 Are you currently receiving benefit payments from any
retirement plans from this job?
4740 R65.1 Is (he/she) currently receiving benefit payments
from any retirement plans from this job?
1. YES
5. NO
0. Inap. (No spouse, not currently working,
not included in pension plan on main job)
4141 R17.2 I'll ask about the benefits later. Are there any
retirement or savings plans from this job where you are
not yet drawing benefit payments?
4741 R65.2 I'll ask about the benefits later. Are there any
retirement or savings plans from this job where (he/she)
are not yet drawing benefit payments?
1. YES
5. NO
0. Inap. (No spouse, not currently working,
not included in pension plan on main job, not
receiving benefits from any plans on main job)
4201 R17.3/R18. How many such plans do you have? (ASKED IF SOME
PLANS ON MAIN JOB NOT CURRENLY PAYING BENEFITS,
INFERRED FOR OTHER CASES WITH PLANS)
4801 R65.3/R66. How many such plans does (he/she) have? (ASKED IF SOME
PLANS ON MAIN JOB NOT CURRENLY PAYING BENEFITS,
INFERRED FOR OTHER CASES WITH PLANS)
Code # PLANS--NOT YET RECEIVING BENEFITS
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job)
4202(1) R19. (Is this/About the (next) most important of these plans,
4302(2) is it) a pension or retirement plan, or a tax-deferred
4402(3) savings plan of some sort? (IF R ASKS: 401-K, 403-B,
ESOP, SRA, THRIFT/SAVINGS, STOCK/PROFIT SHARING ARE ALL
TAX-DEFERRED SAVINGS PLANS.)
4802(1) R67. (Is this/About the (next) most important of these plans,
4902(2) is it) a pension or retirement plan, or a tax-deferred
5002(3) savings plan of some sort? (IF R ASKS: 401 K, 403 B,
ESOP, SRA, THRIFT/SAVINGS, STOCK/PROFIT SHARING ARE ALL
TAX DEFERRED SAVINGS PLANS.)
1. PENSION OR RETIREMENT
2. TAX-DEFERRED SAVINGS
-7. OTHER
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans)
4203(1) R20. (SHOW CARD 15). I would like to know what general
type of plan
4303(2) this is. (In the most common pension or retirement plan,
4403(3) the monthly retirement benefit paid is usually based on a
formula involving age, years of service and salary. In
other plans, money is accumulated in an account
for you until your retirement.) Is your (first/next) plan
like the formula plan or account plan? ("2" FILLED
IN HERE IF R19=2)
4803(1) R68. (SHOW CARD 11). I would like to know what general type of plan
4903(2) this is. In the most common pension or retirement plan,
5003(3) the monthly retirement benefit paid is usually based on a
formula involving age, years of service and salary. In
other plans, money is accumulated in an account
for you until your retirement.) Is (his/her) (first/next)
plan like the formula plan or account plan? ("2"
FILLED IN HERE IF R67=2)
1. TYPE A (FORMULA)
2. TYPE B (ACCOUNT)
3. BOTH A & B
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans)
FORMULA-TYPE PENSIONS AND MIXTURE PLANS
4204(1) R21. For that part of your plan where
4304(2) money is accumulated in an account, how much is in the
4404(3) account?
4804(1) R69. For that part of (his/her) plan where money is accumulated
4904(2) in an account, how much is in the account?
5004(3)
Code actual amount
-1. Zero; nothing yet
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like both types A
and B)
7685(1) R21.1 How long have you been in the plan?
7687(2) R69.1 How long has (he/she) been in the plan?
7689(3)
7712(1)
7714(2)
7716(3)
Code # years
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like both types A
and B)
4205(1) R22. Do you currently make contributions to this plan?
4305(2) (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY
4405(3) DEDUCTIONS, UNION DUES OR OTHER SOURCES)
4805(1) R70. Does (he/she) currently make contributions to this plan?
4905(2) (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY
5005(3) DEDUCTIONS, UNION DUES OR OTHER SOURCES)
1. YES
5. NO
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type A/A&B)
4206(1) R23. What percent of your pay or amount of money per month or
4306(2) year do you currently contribute?--PERCENT
4406(3)
4806(1) R71. What percent of (his/her) pay or amount of money per
4906(2) month or year does (he/she) currently contribute? PERCENT
5006(3)
Code PERCENT to 2 decimal places
-2. Cannot convert, wage variable is negative
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type A/A&B,
R/S does not make contributions)
4207(1) R23. What percent of your pay or amount of money per month or
4307(2) year do you currently contribute?--AMOUNT
4407(3)
4807(1) R71. What percent of (his/her) pay or amount of money per month
4907(2) or year does (he/she) currently contribute? AMOUNT
5007(3)
Code actual amount
-2. Cannot convert, wage variable is negative
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type A/A&B,
R/S does not make contributions)
4208(1) R23. PER
4308(2)
4408(3)
4808(1) R71. PER
4908(2)
5008(3)
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
12. Bimonthly
-7. Other
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type A/A&B
R/S does not make contributions)
4209(1) R24. At what age do you expect to start receiving benefits from
4309(2) this plan? -- AGE
4409(3)
4809(1) R72. At what age does (he/she) expect to start receiving
4909(2) benefits from this plan?
5009(3)
Code AGE
-1. DON'T EXPECT BENEFITS
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type A/A&B)
7686(1) R24. At what age do you expect to start receiving benefits from
7688(2) this plan? -- YEARS
7690(3)
7713(1) R72. At what age does (he/she) expect to start receiving
7715(2) benefits from this plan?
7717(3)
Code IN YEARS
-1. DON'T EXPECT BENEFITS
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type A/A&B)
4210(1) R25. About how much do you expect your benefits to be? (As a
4310(2) proportion of your pay at retirement, or as an amount per
4410(3) month or year when you start receiving them?)--AMOUNT
4810(1) R73. About how much does (he/she) expect (his/her) benefits
4910(2) to be? [As a proportion of (his/her) pay at retirement,
5010(3) or as an amount per month or year when (he/she) starts
receiving them?]--AMOUNT
Code actual amount
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type A/A&B, R/S
does not expect benefits)
4211(1) R25. PER
4311(2)
4411(3)
4811(1) R73. PER
4911(2)
5011(3)
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
-7. Other
8. Lump sum; one payment only
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type A/A&B, R/S
does not expect benefits)
4212(1) R25. About how much do you expect your benefits to be? (As a
4312(2) proportion of your pay at retirement, or as an amount per
4412(3) month or year when you start receiving them?)--PERCENT
4812(1) R73. About how much does (he/she) expect (his/her) benefits
4912(2) to be? [As a proportion of (his/her) pay at retirement,
5012(3) or as an amount per month or year when (he/she) starts
receiving them?] PERCENT
Code PERCENT to 2 decimal places
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type A/A&B, R/S
does not expect benefits)
4213(1) R26. If you were to (leave this job/sell this business) now,
4313(2) would you start receiving a monthly or annual pension
4413(3) benefit now, would you receive one later, would you get a
cash settlement now, would you get nothing or what? (IF R
SAYS "ROLL OVER" MARK "CASH SETTLEMENT".)
4813(1) R74. If (he/she) were to (leave this job/sell this business)
4913(2) now, would (he/she) start receiving a monthly or annual
5013(3) pension benefit now, would (he/she) receive one later,
would (he/she) get a cash settlement now, would (he/she)
get nothing or what? (IF R SAYS "ROLL OVER" MARK "CASH
SETTLEMENT".)
1. Monthly or annual BENEFIT NOW If multiple
2. Monthly or annual BENEFIT LATER checks, code
smallest #
3. CASH SETTLEMENT now; "Roll Over" checked.
4. NOTHING
-7. OTHER incl. any combinations; "lump sum later"
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type A/A&B)
4214(1) R26.1 About how much per month would you receive?
4314(2)
4414(3)
4914(1) R74.1 About how much per month would (he/she) receive?
4914(2)
5014(3)
Code $ amount
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type A/A&B,
if R/S left job now would get cash settlement/
nothing/other)
7691(1) R26.1 PER
7692(2)
7693(3)
7718(1) R74.1 PER
7719(2)
7720(3)
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
-7. Other
8. Lump sum; one payment only
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type A/A&B,
if R/S left job now would get cash settlement/
nothing/other)
4215(1) R27 INTERVIEWER: Is there another plan? (R)
4315(2)
4415(3)
4815(1)
4915(2)
5015(3)
R75 INTERVIEWER: Is there another plan? (S)
1. Yes
5. No
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type A/A&B,
if R/S left job now would get cash settlement/
nothing/other)
ACCOUNT-TYPE PENSIONS
4216(1) R28. (Could you tell me a little more about this plan?) Is it
4316(2) a thrift or savings plan, a 401K, a Supplemental Retirement
4416(3) Account (SRA), a profit-sharing plan, or what?
4816(1) R76. (Could you tell me a little more about this plan?) Is it
4916(2) a thrift or savings plan, a 401K, a Supplemental Retirement
5016(3) Account (SRA), a profit-sharing plan, or what?
1. THRIFT OR SAVINGS; "Savings and Investment plan"
2. 401k/403b/SRA
3. PROFIT SHARING
4. STOCK PURCHASE, ESOP (Employee Stock Option Plan)
7. DEFERRED COMPENSATION
11. IRA; IRA/SEP
12. Defined-contribution plan; TIAA-CREF
13. Money purchase plan
14. Tax-deferred annuity (TDA)
-7. OTHER
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B)
4217(1) R29. For how many years altogether have you been included in
4317(2) this plan? (INCLUDE YEARS WITH OTHER EMPLOYERS, IF SAME
4417(3) PLAN.)
4817(1) R77. For how many years altogether has (he/she) been included
4917(2) in this plan? (INCLUDE YEARS WITH OTHER EMPLOYERS, IF SAME
5017(3) PLAN.)
Code # YEARS
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B)
4218(1) R30. (Does your employer/Does the business) make contributions
4318(2) to this plan?
4418(3)
4818(1) R78. [Does (his/her) employer/Does the business] make
4918(2) contributions to this plan?
5018(3)
1. YES
5. NO
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B)
4219(1) R30.1 What percent of your pay or amount of money per month or
4319(2) year does (your employer/the business) contribute?--
4419(3) PERCENT
4819(1) R78.1 What percent of (his/her) pay or amount of money per
4919(2) month or year does [(his/her) employer/the business]
5019(3) contribute? PERCENT
Code PERCENT to 2 decimal places
-1. None
-2. Cannot convert, wage variable is negative
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B,
employer does not contribute to plan)
4220(1) R30.1 What percent of your pay or amount of money per month or
4320(2) year does (your employer/the business) contribute?--
4420(3) AMOUNT
4820(1) R78.1 What percent of (his/her) pay or amount of money per
4920(2) month or year does [(his/her) employer/the business]
5020(3) contribute? AMOUNT
Code actual amount
-1. None
-2. Cannot convert, wage variable is negative
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B,
employer does not contribute to plan)
4221(1) R30.1 PER
4321(2)
4421(3)
4821(1) R78.1 PER
4921(2)
5021(3)
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
17. Irregular contribution
-7. Other
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B,
employer does not contribute to plan)
4222(1) R31. Do you currently make contributions to this plan? (IF R
4322(2) ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY DEDUCTIONS,
4422(3) UNION DUES, OR OTHER SOURCES.)
4822(1) R79. Does (he/she) currently make contributions to this plan?
4922(2) (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY
5022(3) DEDUCTIONS, UNION DUES, OR OTHER SOURCES.)
1. YES
5. NO
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B)
4223(1) R31.1 What percent of your pay or amount of money per month or
4323(2) year do you currently contribute?--PERCENT
4423(3)
4823(1) R79.1 What percent of (his/her) pay or amount of money per month
4923(2) or year does (he/she) currently contribute? PERCENT
5023(3)
Code PERCENT to 2 decimal places
-2. Cannot convert, wage variable is negative
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B,
R/S does not contribute to plan)
4224(1) R31.1 What percent of your pay or amount of money per month or
4324(2) year do you currently contribute?--AMOUNT
4424(3)
4824(1) R79.1 What percent of (his/her) pay or amount of money per month
4924(2) or year does (he/she) currently contribute? AMOUNT
5024(3)
Code actual amount
-2. Cannot convert, wage variable is negative
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B,
R/S does not contribute to plan)
4225(1) R31.1 PER
4325(2)
4425(3)
4825(1) R79.1 PER
4925(2)
5025(3)
1. Day
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
-7. Other
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B,
R/S does not contribute to plan)
4226(1) R32. Roughly how much money is in your account at present?
4326(2) (WE WANT THE AMOUNT GROSS OF ANY LOANS AGAINST THIS
4426(3) ACCOUNT.)
4826(1) R80. Roughly how much money is in (his/her) account at present?
4926(2) (WE WANT THE AMOUNT GROSS OF ANY LOANS AGAINST THIS
5026(3) ACCOUNT.)
Code actual amount
-1. Zero; none yet
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B)
4227(1) R33. Can you borrow against that account?
4327(2)
4427(3)
4827(1) R81. Can (he/she) borrow against that account?
4927(2)
5027(3)
1. YES
5. NO
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B)
4228(1) R34. Do you currently have a loan against that account?
4328(2)
4428(3)
4828(1) R82. Does (he/she) currently have a loan against that account?
4928(2)
5028(3)
1. YES
5. NO
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B,
cannot borrow aginst account)
4229(1) R34.1 What is the amount of the loan balance?
4329(2)
4429(3)
4829(1) R82.1 What is the amount of the loan balance?
4929(2)
5029(3) Code actual amount
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B,
cannot borrow against account, no loan against
account)
4230(1) R34.2 Did you tell me about this loan earlier?
4330(2)
4430(3)
4830(1) R82.2 Did you tell me about this loan earlier?
4930(2)
5030(3)
1. YES
5. NO
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B,
cannot borrow against account, no loan against
account)
7694(1) R34.3 Where did you tell me about this loan?
7695(2)
7696(3)
7721(1)
7722(2)
7723(3)
R82.3 Where did you tell me about this loan?
Code up to 5 characters
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B,
cannot borrow against account, no loan against
account, did not tell about this loan earlier)
4231(1) R35. If you needed money in an emergency, could you withdraw
4331(2) some of the funds in that account? (CODE "YES" EVEN IF
4431(3) WITHDRAWAL INVOLVES PENALTY.)
4831(1) R83. If (he/she) needed money in an emergency, could (he/she)
4931(2) withdraw some of the funds in that account? (CODE "YES"
5031(3) WITHDRAWAL INVOLVES PENALTY.)
1. YES
5. NO
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B)
4232(1) R36. If you were to (leave this job/sell the business) now,
4332(2) would you lose all, some, or none of the money in this
4432(3) account?
4832(1) R84. If (he/she) were to (leave this job/sell the business)
4932(2) now, would (he/she) lose all, some, or none of the money
5032(3) in this account?
1. ALL
3. SOME
5. NONE
-7. OTHER
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B)
4233(1) R36.1 What proportion would you lose?
4333(2) (ASKED IF R36=SOME OR OTHER, FILLED IN IF R36=ALL)
4433(3) -- PERCENT
4833(1) R84.1 What proportion would (he/she) lose?
4933(2) (ASKED IF R84=SOME OR OTHER, FILLED IN IF R84=ALL)
5033(3) -- PERCENT
Code PERCENT to 2 decimal places
-1. Nothing
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B, would
lose none)
7697(1) R36.1 What proportion would you lose?
7698(2) (ASKED IF R36=SOME OR OTHER, FILLED IN IF R36=ALL)
7699(3) -- AMOUNT
7724(1) R84.1 What proportion would (he/she) lose?
7725(2) (ASKED IF R84=SOME OR OTHER, FILLED IN IF R84=ALL)
7726(3) -- AMOUNT
Code $ AMOUNT
-1. Nothing
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B, would
lose none)
4234(1) R37. How is the money in this account invested? Is it mostly in
4334(2) stocks, mostly in interest earning assets, is it split
4434(3) between these, or what?
4834(1) S85. How is the money in this account invested? Is it mostly in
4934(2) stocks, mostly in interest earning assets, is it split
5034(3) between these, or what?
1. MOSTLY OR ALL STOCK; stock in company
2. MOSTLY OR ALL INTEREST EARNING; guaranteed
insurance contract (GIC)
3. SPLIT
4. real estate
-7. OTHER
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B)
4235(1) R38. INTERVIEWER: Is there another plan?
4335(2) R86. INTERVIEWER: Is there another plan?
4435(3)
4835(1)
4935(2)
5035(3)
1. YES
2. NO
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans, plan not like type B)
4436 R39. (IF 4 OR MORE) Altogether how much do you have in your
account balance(s) for any other pension plans or savings
plan(s) from this job?
5036 R87. (IF 4 OR MORE) Altogether how much does (he/she) have
in (his/her) account balance(s) for any other pension plans
or savings plan(s) from this job?
Code actual amount
-1. NOTHING
0. Inap. (No spouse, not currently working,
not included in pension plan on main job,
receiving benefits from all plans on main job,
no further plans)
-----------------------------------------------------------------------------
SECOND JOBS
-----------------------------------------------------------------------------
4501 R40. Are you doing any other work for pay now, such as a second
job, the military reserves, or (another) business of your
own?
5101 R88. Is (he/she) doing any other work for pay now, such as a
second job, the military reserves, or (another) business
of (his/her) own?
1. YES
5. NO
0. Inap. (No spouse, not currently working)
R40.1 Is this a second job, the military reserves, your own
business, or what? (CODE ALL THAT APPLY.)
4502 R40.1 A. SECOND JOB
4503 R40.1 B. MILITARY (Reserves including Cost Guard, National Guard
Service)
4504 R40.1 C. BUSINESS
4505 R40.1 D. OTHER:
S40.1 Is this a second job, the military reserves, (his/her)
own business, or what? (CODE ALL THAT APPLY.)
5102 R88.1 A. SECOND JOB
5103 R88.1 B. MILITARY (Reserves including Cost Guard, National Guard
Service)
5104 R88.1 C. BUSINESS
5105 R88.1 D. OTHER:
1. Checked
5. Not checked
0. Inap. (No spouse, not currently working, no
second job)
4506 R40.2 IWER: DOES R WORK FOR A BUSINESS REPORTED IN
SECTION F?
5106 R88.2 IWER: DOES R WORK FOR A BUSINESS REPORTED IN
SECTION F? CHECK F22.
1. YES
5. NO
0. Inap. (No spouse, not currently working, no
second job, not working for a business)
4507 R41. How many hours do you work on these other jobs in a normal
week?
5107 R89. How many hours does (he/she) work on these other jobs in a
normal week?
Code # HOURS
-2. 95 hours or more; "all the time"; "24 hours a day"
-1. None; hours accounted for in main job
0. Inap. (No spouse, not currently working, no
second job)
4508 R42. Counting paid vacations as weeks of work, how many weeks
do you work on these other jobs in a normal year?
5108 R90. Counting paid vacations as weeks of work, how many weeks
does (he/she) work on these other jobs in a normal year?
Code # WEEKS
0. Inap. (No spouse, not currently working, no
second job)
4509 R43. About how much do you earn before taxes from these other
jobs? (Is that per hour, week, month, year, or what?)
5109 R91. About how much does (he/she) earn before taxes from
these other jobs? (Is that per hour, week, month, year,
or what?)
Code actual amount
-1. Zero; Nothing yet; Unpaid work in family
business/farm
0. Inap. (No spouse, not currently working, no
second job)
4510 R43. PER
5110 R91. PER
1. Day
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
-7. Other
14. By the job
18. Hour
0. Inap. (No spouse, not currently working, no
second job)
4511 R44. Thinking about all your current work for pay, do you
consider yourself to be working full-time or part-time?
(IF R IS LAID OFF OR A SEASONAL WORKER, ASK ABOUT "JOBS
WHEN R IS WORKING".)
5111 R92. Thinking about all (his/her) current work for pay,
does(he/she) consider (himself/herself) to be working
full-time or part-time? (IF S IS LAID OFF OR A SEASONAL
WORKER, ASK ABOUT "JOBS WHEN S IS WORKING".)
1. FULL-TIME
2. PART-TIME
0. Inap. (No spouse, not currently working)
-----------------------------------------------------------------------------
WORK HISTORY
-----------------------------------------------------------------------------
WORK HISTORY FOR THOSE CURRENTLY WORKING FULL-TIME
4512 R45. (READ SLOWLY:) Now I have a few questions about your past
jobs. Including any periods of self-employment, the
military, and your current job, since you were 18, how
many years have you worked full-time? (Roughly how
many years?)
5112 R93. (READ SLOWLY:) Now I have a few questions about
(his/her)past jobs. Including any periods of self-
employment, the military, and (his/her) current job,
since (he/she) was18, how many years has (he/she)
worked full-time for all or most of the year?
(Roughly how many years?)
Code # YEARS
-1. LESS THAN 1 YEAR
0. Inap. (No spouse, R/S44 not full-time)
4513 R45.1 Including any self-employment and your current job, for
how many different employers have you worked in full-time
jobs lasting one year or more?
5113 R93.1 Including any selfemployment and (his/her) current job,
for how many different employers has (he/she) worked in
full-time jobs lasting one year or more?
Code # EMPLOYERS
-1. None; not yet worked a full time year
0. Inap. (No spouse, R/S44 not full-time)
4514 R45.2 Now, not counting your current job, have you ever had a
full-time job that lasted for three years or more?
5114 S93.2 Now, not counting (his/her) current job, has (he/she) ever
had a full-time job that lasted for three years or more?
1. YES
5. NO
0. Inap. (No spouse, R/S44 not full-time, less
than 1 year of full-time employment)
4515 R45.3 I want to know about the longest such job you had. Did
you work for someone else, were you self-employed, or
what?
5115 R93.3 I want to know about the longest such job (he/she) had.
Did (he/she) work for someone else, was (he/she) self-
employed, or what?
1. SOMEONE ELSE
2. SELF-EMPLOYED
3. partnership
-7. Other
0. Inap. (No spouse, R/S44 not full-time, no past
job of 3 or more years)
7405 R45.4 What sort of work were you doing when you left that job?
(Tell me a little more about what you did.)
7415 R93.4 What sort of work was (he/she) doing when (he/she) left
that job? (Tell me a little more about what [he/she] did.)
Code 3-digit 1980 Census OCCUPATION Code
0. Inap. (No spouse, R/S44 not full-time, no past
jobs of 3 or more years)
7406 R45.5 What kind of business or industry did you work in -- that
is, what did they make or do at the place where you
worked?
7416 R93.5 What kind of business or industry did (he/she) work in
-- that is, what did they make or do at the place where
(he/she) worked?
Code 3-digit 1980 Census INDUSTRY Code
0. Inap. (No spouse, R/S44 not full-time, no past
jobs of 3 or more years)
4518 R45.6 In what year did you start working at that job?
5118 R93.6 In what year did (he/she) start working at that job?
Code YEAR
0. Inap. (No spouse, R/S44 not full-time, no past
jobs of 3 or more years)
4519 R45.7 In what year did you stop working at that job?
5119 R93.7 In what year did (he/she) stop working at that job?
Code YEAR
-1. Didn't stop; still working in this job
0. Inap. (No spouse, R/S44 not full-time, no past
jobs of 3 or more years)
4520 R45.8 About how much were you earning before taxes when you
stopped? (Is that per hour, week, month, year, or what?)
5120 R93.8 About how much was (he/she) earning before taxes when
(he/she) stopped? (Is that per hour, week, month, year,
or what?)
Code actual amount
-1. Nothing; zero; "had a loss"
0. Inap. (No spouse, R/S44 not full-time, no past
jobs of 3 or more years)
4521 R45.8 PER
5121 R93.8 PER
1. Day
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
-7. Other
18. Hour
0. Inap. (No spouse, R/S44 not full-time, no past
jobs of 3 or more years)
4522 R45.9 Since you were 18, have there been years when you only
worked part-time?
5122 R93.9 Since (he/she) was 18, have there been years when (he/she)
only worked part-time?
1. YES
5. NO
0. Inap. (No spouse, R/S44 not full-time)
4523 R45.10 About how many years in total did you work part-time?
5123 R93.10 About how many years in total did (he/she) work part-time?
Code # YEARS
-1. None
0. Inap. (No spouse, R/S44 not full-time, never
worked part-time for most of a year)
4524 R45.11 Thinking now of the future, when do you expect to stop
working full-time? -- YEARS
5124 R93.11 Thinking now of the future, when does (he/she) expect to
stop working full-time? -- YEARS
Code YEARS
-1. NEVER STOP
0. Inap. (No spouse, R/S44 not full-time)
7728 R45.11 Thinking now of the future, when do you expect to stop
working full-time? -- AGE
7727 R93.11 Thinking now of the future, when does (he/she) expect to
stop working full-time? -- AGE
Code AGE
-1. NEVER STOP
0. Inap. (No spouse, R/S44 not full-time)
4525 R45.12 Do you expect to work part-time after that?
5125 R93.12 Does (he/she) expect to work part-time after that?
1. YES
5. NO
0. Inap. (No spouse, R/S44 not full-time, never
expects to stop working full-time)
4526 R45.13 In what year do you expect to stop working
altogether? -- YEAR
5126 S45.13 In what year does (he/she) expect to stop working
altogether? -- YEAR
Code YEARS
-1. NEVER STOP
0. Inap. (No spouse, R/S44 not full-time, never
expects to stop working full-time, does not
expect to work part-time after ending full-time work)
7700 R45.13 In what year do you expect to stop working
altogether? -- AGE
7729 S45.13 In what year does (he/she) expect to stop working
altogether? -- AGE
Code AGE
-1. NEVER STOP
0. Inap. (No spouse, R/S44 not full-time, never
expects to stop working full-time, does not
expect to work part-time after ending full-time work)
WORK HISTORY FOR THOSE CURRENTLY WORKING PART-TIME
4527 R46. Now I have a few questions about your past work.
Including any periods of self-employment
and your current job, since you were 18, about how many
years in total have you worked part-time for all or most
of the year? (Roughly how many years?)
5127 R94. Now I have a few questions about (his/her) past work.
Including any periods of self-employment
and (his/her) current job, since (he/she) was 18, about
how many years in total has (he/she) worked part-time for
all or most of the year? (Roughly how many years?)
Code # YEARS
-1. LESS THAN 1 YEAR
0. Inap. (No spouse, R/S44 not part-time)
4528 R46.1 Since you were 18, have you ever worked full-time for pay
--including any self-employment and the military?
5128 R94.1 Since (he/she) was 18, has (he/she) ever worked fulltime
for pay -- including any selfemployment and the military?
1. YES
5. NO
0. Inap. (No spouse, R/S44 not part-time)
4529 R46.2 How many years have you worked full-time for all or most
of the year? (Roughly how many years?)
5129 R94.2 How many years has (he/she) worked full-time for all or
most of the year? (Roughly how many years?)
Code # YEARS
-1. None
0. Inap. (No spouse, R/S44 not part-time, never
worked full-time)
4530 R46.3 INTERVIEWER CHECKPOINT -- SEE R46.2
5130 R94.3 INTERVIEWER CHECKPOINT -- SEE R94.2
1. R/S HAS WORKED FULL-TIME AT LEAST 5 YEARS OR DK
2. ALL OTHERS
0. Inap. (No spouse, R/S not part-time, never
worked full-time)
4531 R46.4 In what year did you last work full time for pay?
5131 R94.4 In what year did (he/she) last work full time for pay?
Code YEAR
0. Inap. (No spouse, R/S44 not part-time, never
worked full-time, worked full-time 5 or more years)
4532 R46.5 About how much did you earn before taxes that year? (Is
that per hour, week, month, year, or what?)
5132 R94.5 About how much did (he/she) earn before taxes that year?
(Is that per hour, week, month, year, or what?)
Code actual amount
-1. Nothing; zero; "had a loss"
0. Inap. (No spouse, R/S44 not part-time, never
worked full-time, worked full-time 5 or more years)
4533 R46.5 PER
5133 R94.5 PER
1. Day
2. Week
4. Month
5. Quarter
6. Year
-7. Other
18. Hour
0. Inap. (No spouse, R/S44 not part-time, never
worked full-time, worked full-time 5 or more years)
4534 R46.6 Including any self-employment and your current job, for
how many different employers have you worked in full-time
jobs lasting one year or more?
5134 R94.6 Including any self-employment and (his/her) current
job,for how many different employers has (he/she) worked
in full-time jobs lasting one year or more?
Code # EMPLOYERS
-1. None
0. Inap. (No spouse, R/S44 not part-time, never
worked full-time, worked full-time fewer than
5 years)
4535 R46.7 I want to know about the longest full-time job you had.
Did you work for someone else, were you self-employed, or
what?
5135 R94.7 I want to know about the longest fulltime job (he/she)had.
Did (he/she) work for someone else, was (he/she)
self-employed, or what?
1. SOMEONE ELSE
2. SELF-EMPLOYED
3. partnership
-7. OTHER
0. Inap. (No spouse, R/S44 not part-time, never
worked full-time, worked full-time fewer than
5 years)
7407 R46.8 What sort of work were you doing?
(Tell me a little more about what you did.)
7417 R94.8 What sort of work was (he/she) doing?
(Tell me a little more about what [he/she] did.)
Code 3-digit 1980 Census OCCUPATION Code
0. Inap. (No spouse, R/S44 not part-time, never
worked full-time, worked full-time fewer than
5 years)
7408 R46.9 What kind of business or industry did you work in -- that
is, what did they make or do at the place where you
worked?
7418 R94.9 What kind of business or industry did (he/she) work in
that is, what did they make or do at the place where
(he/she) worked?
Code 3-digit 1980 Census INDUSTRY Code
0. Inap. (No spouse, R/S44 not part-time, never
worked full-time, worked full-time fewer than
5 years)
4538 R46.10 When did you start working at that job?
5138 R94.10 When did (he/she) start working at that job?
Code YEAR
0. Inap. (No spouse, R/S44 not part-time, never
worked full-time, worked full-time fewer than
5 years)
4539 R46.11 When did you stop working full-time at that job?
5139 R94.11 When did (he/she) stop working full-time at that job?
Code YEAR
-1. Didn't stop; still working (part-time) at that job
0. Inap. (No spouse, R/S44 not part-time, never
worked full-time, worked full-time fewer than
5 years)
4540 R46.12 About how much were you earning before taxes when you
stopped? (Is that per hour, week, month, year, or what?)
5140 R94.12 About how much was (he/she) earning before taxes when
(he/she) stopped? (Is that per hour, week, month, year,
or what?)
Code actual amount
-1. Nothing; zero; "had a loss"
0. Inap. (No spouse, R/S44 not part-time, never
worked full-time, worked full-time fewer than
5 years)
4541 R46.12 PER
5141 R94.12 PER
1. Day
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
-7. Other
18. Hour
0. Inap. (No spouse, R/S44 not part-time, never
worked full-time, worked full-time fewer than
5 years)
4542 R46.13 In what year did you last work full-time for pay?
5142 R94.13 In what year did (he/she) last work fulltime for pay?
Code YEAR
0. Inap. (No spouse, R/S44 not part-time, never
worked full-time, worked full-time fewer than
5 years)
4543 R46.14 Thinking now of the future, do you expect to do any full
-time work for pay?
5143 R94.14 Thinking now of the future, does (he.she) expect to do
any full-time work for pay?
1. YES
5. NO
0. Inap. (No spouse, R/S44 not part-time)
4544 R46.15 In what year do you expect to start working full-time?
5144 R94.15 In what year does (he/she) expect to start working full-time?
Code # YEARS
0. Inap. (No spouse, R/S44 not part-time, does not
expect to work full-time in future)
4545 R46.16 And in what year do you expect to stop working
full-time? -- YEARS
5145 R94.16 And in what year does (he/she) expect to stop
working full-time? -- YEARS
Code # YEARS
-1 . NEVER STOP
0. Inap. (No spouse, R/S44 not part-time, does not
expect to work full-time in future)
7701 R46.16 And in what year do you expect to stop working
full-time? -- AGE
7730 R94.16 And in what year does (he/she) expect to stop
working full-time? -- AGE
Code AGE
-1. NEVER STOP
0. Inap. (No spouse, R/S44 not part-time, does not
expect to work full-time in future)
4546 R46.17 In what year do you expect to stop working for
pay altogether? -- YEARS
5146 R94.17 In what year does (he/she) expect to stop working for pay
altogether? -- YEARS
Code # YEARS
-1. NEVER STOP
0. Inap. (No spouse, R/S44 not part-time, never
expects to stop full-time work)
7702 R46.17 In what year do you expect to stop working for
pay altogether? -- AGE
7731 R94.17 In what year does (he/she) expect to stop working for pay
altogether? -- AGE
Code AGE
-1. NEVER STOP
0. Inap. (No spouse, R/S44 not part-time, never
expects to stop full-time work)
WORK HISTORY FOR THOSE CURRENTLY RETIRED/DISABLED, HOMEMAKER, STUDENT,
OR OTHER
4601 R47. Since you were 18 have you ever worked full-time for pay?
5201 R95. Since (he/she) was 18 has (he/she) ever worked full time
for pay?
1. YES
5. NO
0. Inap. (No spouse, currently working)
4602 R47.1 How many years have you worked full-time for all or most
of the year? Include any periods of self-employment, and
the military. (Roughly how many years?)
5202 R95.1 How many years has (he/she) worked full time for all or
most of the year? Include any periods of self-employment,
and the military. (Roughly how many years?)
Code # YEARS
-1. None
0. Inap. (No spouse, currently working, never
worked full-time)
4603 R47.2 INTERVIEWER CHECKPOINT
5203 R95.2 INTERVIEWER CHECKPOINT
1. R HAS WORKED AT LEAST 5 YEARS OR MORE FULL-TIME OR DK
2. ALL OTHERS
0. Inap. (No spouse, currently working, never
worked full-time)
4604 R47.3 When did you last work full-time for pay?
5204 R95.3 When did (he/she) last work full time for pay?
Code YEAR
0. Inap. (No spouse, currently working, never
worked full-time, worked full-time 5 years or more)
4605 R47.4 About how much did you earn before taxes that year? (Is
that per hour, week, month, year, or what?)
5205 R95.4 About how much did (he/she) earn before taxes that year?
(Is that per hour, week, month, year, or what?)
Code actual amount
-1. Nothing; zero; "had a loss"
0. Inap. (No spouse, currently working, never
worked full-time, worked full-time 5 years or more)
4606 R47.4 PER
5206 R95.4 PER
1. Day
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
-7. Other
18. Hour
0. Inap. (No spouse, currently working, never
worked full-time, worked full-time 5 years or more)
4607 R47.5 Including any self-employment and your current job, for
how many different employers have you worked in full-time
jobs lasting one year or more?
5207 R95.5 Including any self-employment and (his/her) current job,
for how many different employers has (he/she) worked in
full-time jobs lasting one year or more?
Code # EMPLOYERS
-1. None
0. Inap. (No spouse, currently working, never
worked full-time, worked full-time less than
5 years)
4608 R47.6 I want to know about the longest full-time job you had.
Did you work for someone else, were you self-employed, or
what?
5208 R95.6 I want to know about the longest full-time job (he/she)
had. Did (he/she) work for someone else, was (he/she)
self-employed, or what?
1. SOMEONE ELSE
2. SELF-EMPLOYED
3. partnership
-7. OTHER
0. Inap. (No spouse, currently working, never
worked full-time, worked full-time less than
5 years)
7409 R47.7 What sort of work were you doing when you left that job?
(Tell me a little more about what you did.)
7419 R95.7 What sort of work was (he/she) doing when (he/she) left
that job? (Tell me a little more about what [he/she]
did.)
Code 3-digit 1980 Census OCCUPATION Code
0. Inap.
7410 R47.8 What kind of business or industry did you work in -- that
is, what did they make or do at the place where you
worked?
7420 R95.8 What kind of business or industry did (he/she) work in --
that is, what did they make or do at the place where
(he/she) worked?
Code 3-digit 1980 Census INDUSTRY Code
0. Inap. (No spouse, currently working, never
worked full-time, worked full-time less than
5 years)
4611 R47.9 In what year did you start working at that job?
5211 R95.9 In what year did (he/she) start working at that job?
Code YEAR
0. Inap. (No spouse, currently working, never
worked full-time, worked full-time less than
5 years)
4612 R47.10 In what year did you stop working at that job?
5212 R95.10 In what year did (he/she) stop working at that job?
Code YEAR
0. Inap. (No spouse, currently working, never
worked full-time, worked full-time less than
5 years)
4613 R47.11 About how much were you earning before taxes when you
stopped? (Is that per hour, week, month, year, or what?)
5213 R95.11 About how much was (he/she) earning before taxes when
(he/she) stopped? (Is that per hour, week, month, year,
or what?)
Code actual amount
-1. Nothing; zero; "had a loss"
0. Inap. (No spouse, currently working, never
worked full-time, worked full-time less than
5 years)
4614 R47.11 PER
5214 R95.11 PER
1. Day
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
-7. Other
18. Hour
0. Inap. (No spouse, currently working, never
worked full-time, worked full-time less than
5 years)
4615 R47.12 Since you were 18, were there any years when you (only)
worked part-time for all or most of the year?
5215 R95.12 Since (he/she) was 18, were there any years when (he/she)
(only) worked part-time for all or most of the year?
1. YES
5. NO
0. Inap. (No spouse, currently working)
4616 R47.13 For about how many years did you work part-time (for all
or most of the year)?
5216 R95.13 For about how many years did (he/she) work part-time (for
all or most of the year)?
Code # YEARS
-1. None
0. Inap. (No spouse, currently working, never
worked part-time)
4617 R47.14 Do you expect to work for pay in the future?
5217 R95.14 Does (he/she) expect to work for pay in the future?
1. YES
5. NO
0. Inap. (No spouse, currently working)
4618 R47.15 In what year do you expect to start working?
5218 R95.15 In what year does (he/she) expect to start working?
Code # YEARS
0. Inap. (No spouse, currently working, does not
expect to work in future)
4619 R47.16 Will any of that be full-time work?
5219 R95.16 Will any of that be full-time work?
1. YES
5. NO
0. Inap. (No spouse, currently working, does not
expect to work in future)
4620 R47.17 In what year do you expect to start working full-time?
5220 R95.17 In what year does (he/she) expect to start working
full-time?
Code # YEARS
0. Inap. (No spouse, currently working, does not
expect to work in future, does not expect to
work full-time in future)
4621 R47.18 And in what year do you expect to stop working
full-time? -- YEARS
5221 R95.18 And in what year does (he/she) expect to stop
working full-time? -- YEARS
Code # YEARS
-1. NEVER STOP
0. Inap. (No spouse, currently working, does not
expect to work in future, does not expect to
work full-time in future)
7703 R47.18 And in what year do you expect to stop working
full-time? -- AGE
7732 R95.18 And in what year does (he/she) expect to stop
working full-time? -- AGE
Code AGE
-1. NEVER STOP
0. Inap. (No spouse, currently working, does not
expect to work in future, does not expect to
work full-time in future)
4622 R47.19 In what year do you expect to stop working for
pay altogether? -- YEARS
5222 R95.19 In what year does (he/she) expect to stop working for pay
altogether? -- YEARS
Code # YEARS
-1. NEVER STOP
0. Inap. (No spouse, currently working, does not
expect to work in future, does not expect to
work full-time in future, never expects to
stop full-time work in future)
7704 R47.19 In what year do you expect to stop working for
pay altogether? -- AGE
7733 R95.19 In what year does (he/she) expect to stop working for pay
altogether? -- AGE
Code AGE
-1. NEVER STOP
0. Inap. (No spouse, currently working, does not
expect to work in future, does not expect to
work full-time in future, never expects to
stop full-time work in future)
INFORMATION LINKED FROM 1992 CURRENT POPULATION SURVEY BY OCCUPATION CODE
FOR PRIOR JOB
8171 (R) R: Unconditional mean wage for occupation group in 1992
8172 (S)
For each occupation group, regressions were run separately
for males and females of the log of annualized wages on a
constant, a spline on age (AGE, MAX(0, AGE-35),
MAX(0,AGE-55)), a dummy variable for part-time employment
(1 = working 20 or fewer hours per week), a dummy variable
for self-employment (1 = self-employed), a dummy for race
(1 = Hispanic or non-white), and dummy variables for years
of education (1 = : 12 years of education, some college or
an Associate's degree, Bachelor's degree, higher degree
than Bachelor's degree). If there were too few people in a CPS
3-digit occupation group, either the SCF case was matched to
a neighboring occupation group, or the match was made at the
level of the 2-digit occupation code. Some of the model
coefficients may be identically zero where there are too few
cases in the appropriate cells in the CPS to identify the
coefficients.
8125 (R) R: 10000 * Intercept
8126 (S)
8119 (R) R: For age in [1, 35]: 10000 * Coefficient of AGE
8120 (S)
8121 (R) R: For age in [36, 55]: 10000 * Coefficient of MAX(0,AGE-35)
8122 (S)
8123 (R) R: For age in [55, 999]: 10000 * Coefficient of MAX(0,AGE-55)
8124 (S)
8332 (R) R: 10000 * Coefficient of dummy for part-time employment
8333 (S)
8334 (R) R: 10000 * Coefficient of dummy for self-emlpoyment
8335 (S)
8336 (R) R: 10000 * Coefficient of dummy for Hispanic or nonwhite
8337 (S)
8338 (R) R: 10000 * Coefficient of dummy for 12 years of education
8339 (S)
8340 (R) R: 10000 * Coefficient of dummy for some college or
8341 (S) Associate's degree
8342 (R) R: 10000 * Coefficient of dummy for Bachelor's degree
8343 (S)
8344 (R) R: 10000 * Coefficient of dummy for higher degree than
8345 (S) Bachelor's degree
8127 (R) R: 10000 * Standard error log regression
8128 (S)
8129 (R) R: Annualized level of expected income from regression
8130 (S) (corrected for non-zero expectation of error term
for level)
-----------------------------------------------------------------------------
SOCIAL SECURITY, CURRENTLY RECEIVED PENSIONS, PENSIONS TO BE RECEIVED
IN THE FUTURE
-----------------------------------------------------------------------------
5301 R96. Are you (or your [husband/wife/partner]) currently
receiving Social Security benefit payments, or any
other type of pension, retirement, or disability
benefit payment?
(DO NOT INCLUDE SUPPLEMENTAL SECURITY INCOME (SSI).
INTERVIEWER: IF R ANSWERED "YES" AT R17.1 OR S ANSWERED
"YES" AT R65.1 THAT PENSION SHOULD BE REPORTED HERE.)
1. YES
5. NO
5302 R96.1 Do these include Social Security benefit payments?
1. YES
5. NO
0. Inap. (Not receiving pension or Social Security
income)
R96.2 Are you both receiving Social Security payments or is
only one of you? [Which one?]
IWER: CHECK PERSON(S) (RESP, SPOUSE) IN R96.3 THEN ASK
FOLLOWUP QUESTIONS R96.4-R96.6 FOR EACH.
5303 R96.3 RECIPIENT -- RESPONDENT
5308 R96.3 RECIPIENT -- SPOUSE
1. Checked
5. Not checked (including no spouse)
0. Inap. (not receiving pension or Social Security
benefits: X5301^=1; not receiving Social Security:
X5302^=1)
5304 R96.4 Are the payments for retirement, disability or
5309 survivors benefits?
1. RETIREMENT
2. DISABILITY
3. Widow's/survivor's benefits
-7. Other
0. Inap. (Not receiving pension or Social Security
income, no spouse, PERSON not receiving Social
Security benefits)
5305 R96.5 How long (have you/has he/has she) received these
5310 benefits? -- YEARS
Code # YEARS
0. Inap. (Not receiving pension or Social Security
income, no spouse, PERSON not receiving Social
Security benefits)
7734 R96.5 How long (have you/has he/has she) received these
7735 benefits? -- SINCE 19__
Code SINCE WHAT YEAR
0. Inap. (Not receiving pension or Social Security
income, no spouse, PERSON not receiving Social
Security benefits)
5306 R96.6 How much (do you/does he/does she) receive each month or
5311 year?
Code actual amount
0. Inap. (Not receiving pension or Social Security
income, no spouse, PERSON not receiving Social
Security benefits)
5307 R96.6 PER
5312
4. Month
5. Quarter
6. Year
-7. Other
0. Inap. (Not receiving pension or Social Security
income, no spouse, PERSON not receiving Social
Security benefits)
5313 R97. Are you (or your [husband/wife/partner]) currently
receiving any other retirement, pension, or
disability benefit payments?
1. YES
5. NO
0. Inap.
5314 R97.1 Not counting Social Security, how many retirement, pension
or disability benefit payments are you (and your
[husband/wife/partner]) currently receiving?
(DO NOT INCLUDE INCOME FROM IRA AND KEOGH ACCOUNTS
ALREADY REPORTED.) (ASKED IF R/S RECEIVING SOCIAL
SECURITY BENEFITS, INFERRED FOR OTHERS)
Code # PENSION/DISABILITY PAYMENTS
0. Inap. (Not receiving pension or Social Security
income)
R97.2 (For the first/second/next benefit) who is
receiving these benefit payments, you or your
(husband/wife/partner), and what kind are they?
IWER: MARK ONE RECIPIENT AND TYPE OF BENEFIT FOR ALL
BENEFITS REPORTED. THEN ASK FOLLOWUP QUESTIONS R97d-
R97h FOR EACH BENEFIT.
5315(#1) RECIPIENT
5323(#2)
5331(#3) 1. RESPONDENT
5415(#4) 2. SPOUSE
5423(#5) 0. Inap. (Not receiving pension or Social Security
income, no spouse)
5431(#6)
R97.3 Is this a benefit from your current job, past job, a
disability or military benefit, spouse's pension or
something else?
5316(#1) TYPE OF BENEFIT
5324(#2)
5332(#3) 1. CURR JOB PENS
5416(#4) 2. PAST JOB PENS
5424(#5) 3. DISABILITY
5432(#6) 4. MILITARY (retirement or disability)
5. SPOUSE PENS
11. Union pension
-7. OTHER
0. Inap. (Not receiving pension or Social Security
income, no further benefits)
For the public use tape, Union pension (11) and
Past job pension (2) are combined in 2.
5317(#1) R97.4 How long have (you/he/she) received this benefit?
5325(#2) -- YEARS
5333(#3)
5417(#4) Code # YEARS
5425(#5) 0. Inap. (Not receiving pension or Social Security
5433(#6) income, no further benefits)
-1. 0 years, since 1992
7736(#1) R97.4 How long have (you/he/she) received this benefit?
7738(#2) -- SINCE 19__
7740(#3)
7742(#4) Code SINCE WHAT YEAR
7744(#5) 0. Inap. (Not receiving pension or Social Security
7746(#6) income, no further benefits)
5318(#1) R97.5 How much is received each month or year?
5326(#2)
5334(#3) Code actual amount
5418(#4) 0. Inap. (Not receiving pension or Social Security
5426(#5) income, no further benefits)
5434(#6)
5319(#1) R97.5 PER
5327(#2)
5335(#3)
5419(#4)
5427(#5) 4. Month
5435(#6) 6. Year
0. Inap. (Not receiving pension or Social Security
income, no further benefits)
5320(#1) R97.6 Has this benefit been increased when the cost of living
5328(#2) has increased?
5336(#3)
5420(#4) 1. YES
5428(#5) 5. NO
5436(#6) 0. Inap. (Not receiving pension or Social Security
income, no further benefits)
5321(#1) R97.7 INTERVIEWER CHECKPOINT: IS R LEGALLY MARRIED?
5329(#2)
5337(#3)
5421(#4) 1. YES
5429(#5) 5. NO
5437(#6) 0. Inap. (Not receiving pension or Social Security
income, no further benefits)
5322(#1) R97.8 If (RECIPIENT) were to die, what percent of this benefit
5330(#2) would (you/your husband/your wife) continue to receive or
5338(#3) would the benefits stop?
5422(#4)
5430(#5) Code PERCENT to 2 decimal places
5438(#6) -1. STOP
-7. OTHER
0. Inap. (Not receiving pension or Social Security
income, no further benefits, no spouse)
7737(#1) R97.9 IS THERE ANOTHER BENEFIT?
7739(#2)
7741(#3)
7743(#4) 1. YES
7745(#5) 5. NO
0. Inap. (Not receiving pension or Social Security
income, no further benefits)
5501 R98. Have you (or your [husband/wife/partner]) ever
received a cash settlement from a pension or
retirement plan of a previous job?
1. YES
5. NO
5502 R98.1 How many different cash settlements have you (or your
[husband/wife]) received?
Code # CASH SETTLEMENTS
0. Inap. (No cash settlements)
R98.2 Who received (this/the first/second/etc) cash
settlement, you or your (husband/wife/partner)?
5503(#1) WHO
5506(#2)
5509(#3) 1. RESPONDENT
5512(#4) 2. SPOUSE
5515(#5) 0. Inap. (No cash settlements, no further settlements)
R98.3 What was the amount of this (first/second/third/
fourth/fifth) cash settlement?
5504(#1) AMOUNT
5507(#2)
5510(#3) Code actual amount
5513(#4) 0. Inap. (No cash settlements, no further settlements)
5516(#5)
R98.4 In what year was (this/the first/second/
third/fourth/fifth) cash settlement received?
5505(#1) YEAR RECEIVED
5508(#2)
5511(#3) Code YEAR
5514(#4) 0. Inap. (No cash settlements, no further settlements)
5517(#5)
7747(#1) R98.5 INTERVIEWER: Is there another settlement?
7748(#2)
7749(#3) 1. YES
7750(#4) 5. NO
0. Inap. (No cash settlements, no further settlements)
5601 R99. Now I want to ask about future pension benefits that you
(and your[husband/wife/partner]) have earned rights
to from your past or current jobs. Aside
from Social Security and any pension benefits you have
already told me about, do you (and your [husband/wife/
partner]) expect to receive any (other) pension
benefits in the future?
1. YES
5. NO
5602 R99.1 How many such benefits do you (and your [husband/wife/
partner]) expect to receive in the future?
Code # FUTURE BENEFITS
0. Inap. (No other future pension benefits)
5606(A) R99.2 Who expects to receive (this/the largest/the next) benefit?
5614(B)
5622(C) 1. RESPONDENT
5630(D) 2. SPOUSE
5638(E) 0. Inap. (No other future pension benefits)
5646(F)
5603(A) R99.3 About (this/the largest/the next) benefit, is this from a
5611(B) pension plan where a certain amount of money is
5619(C) accumulated in an account for you, a formula plan that
5627(D) will give you a specific amount of income each month or
5635(E) year when you retire, or what?
5643(F)
1. INCOME FORMULA
2. ACCOUNT
3. BOTH
0. Inap. (No other future pension benefits, no
further future pension benefits)
5604(A) R99.4 How much is in the account now?
5612(B)
5620(C) Code actual amount
5628(D) 0. Inap. (No other future pension benefits, no
5636(E) further future pension benefits, not account-type
5644(F) pension)
5605(A) R99.5 Is this part of an IRA, Keogh or pension I
5613(B) recorded earlier? (Which?)
5621(C)
5629(D) 1. R claimed YES IRA/KEOGH, but no such IRA/KEOGH
5637(E) 2. R claimed YES PENSION, but no such PENSION
5645(F) 5. NO
0. Inap. (No other future pension benefits, no
further future pension benefits, not account-type
pension)
5607(A) R99.6 When do you expect these benefits to start? __ AGE
5615(B)
5623(C) Code AGE
5631(D) 0. Inap. (No other future pension benefits, no
5639(E) further future pension benefits)
5647(F)
7751(A) R99.6 When do you expect these benefits to start? YEARS
7752(B)
7753(C) Code YEARS
7754(D) 0. Inap. (No other future pension benefits, no
7755(E) further future pension benefits)
7756(F)
5608(A) R99.7 About how much per month do you expect them to be?
5616(B)
5624(C) Code $ amount
5632(D) -1. NONE
5640(E) 0. Inap. (No other future pension benefits, no
5648(F) further future pension benefits)
5609(A) R99.7 PER
5617(B)
5625(C)
5633(D)
5641(E) 2. Weekly
5649(F) 4. Month
5. Quarter
6. Year
-7. Other
8. Lump sum; one payment only
0. Inap. (No other future pension benefits, no
further future pension benefits)
5610(A) R99.8 INTERVIEWER: Is there another benefit?
5618(B) 1. YES
5626(C) 5. NO
5634(D)
5642(E)
0. Inap. (No other future pension benefits, no
further future pension benefits)
Top of Page
-----------------------------------------------------------------------------
INCOME, AGI, MISC.
-----------------------------------------------------------------------------
T1. We have talked about various sources of income. Now we
would like to get the overall picture of all the different
sources of income that you and members of your family
living here had in 1991. Did anyone have income
from wages and salaries, including bonuses, overtime and
commissions? (RECORD IN COLUMN T1 AND ASK T2 FOR EACH
SOURCE OF INCOME AS IT IS MENTIONED.)
5701 T1.1 WAGES AND SALARIES?
5703 T1.2 Did (you/anyone) have income or loss from a professional
practice, business or farm? (Other than wages or
salaries)
5705 T1.3 ...non-taxable investments such as municipal bonds?
5707 T1.4 ...other interest income?
5709 T1.5 ...dividends?
5711 T1.6 ...net gains or losses from the sale of stocks, bonds, or
real estate?
5713 T1.7 ...net rent, trust income, or royalties from any other
investment or business?
5715 T1.8 ...unemployment or worker's compensation?
5717 T1.9 ...child support or alimony?
5719 T1.10 Did (you/anyone) have income from ADC AFDC, food stamps,
or other forms of welfare or assistance, such as SSI?
5721 T1.11 ...income from Social Security or other pensions,
annuities, or other disability or retirement programs?
1. YES
5. NO
5702 T2.1 In total, how much income from (SOURCE) did you (and your
5704 T2.2 family) receive in 1991, before deductions for taxes and
5706 T2.3 anything else? [WRITE LOSSES ( ).]
5708 T2.4
5710 T2.5 Code actual amount
5712 T2.6 0. Inap. (No SOURCE income)
5714 T2.7
5716 T2.8
5718 T2.9
5720 T2.10
5722 T2.11
5723 T1.12 Did you (or anyone in your family living here) have income
from any other sources? (What other sources?)
1. YES
5. NO
5725(1st) T1.12 PROBE: What other sources?
5727(2nd)
1. Settlements: from lawsuits, divorce, insurance
2. Gambling winnings; prize money
3. Education scholarships or grants (not incl. loans);
G.I. Bill; "fellowships"
4. Honorarium
11. "IRA", NFS; IRA withdrawal
12. Inheritance/gifts
13. Other help/support from relatives
14. Repayment of debts
15. Income tax refund
21. Care of foster child in the home
22. Housing subsidy/rent paid by some (gov't) agency
23. Trustee fee; executor fee
30. Sale of asset (coding as capital gain/loss
has priority)
-7. Other
0. Inap. (No other income, no additional sources
of other income)
For the public use tape, Education (3), Honoraria (4),
Care of foster children (21), and Other (-7) are
combined in -7.
5724(1st) T2.12 In total, how much income from (SOURCE) did you (and your
5726(2nd) family) receive in 1991, before deductions for taxes and
anything else? [WRITE LOSSES ( ).]
Code actual amount
0. Inap. (No other income, no additional sources
of other income)
5729 T3. How much was the total income you (and your family living
here) received in 1991 from all sources, before taxes and
other deductions were made?
NOTE: Raw data of 1 indicates that Q2.1-Q2.12 added up
by us
Code actual amount
-1. Zero; no income
8182 R: Sum of values given in T2a through T2n
Code amount
5730 T4. Did you (and your family living here) receive more
than $30,000 in 1991?
T4.1 Was it $50,000 or more?
T4.2 Was it $100,000 or more?
T4.3 Was it $250,000 or more?
T4.4 Was it $5,000 or more?
T4.5 Was it $10,000 or more?
T4.6 Was it $20,000 or more?
1. Less than $5,000
2. $5,000 - $10,000
3. $10,000 - $20,000
4. $20,000 - $30,000
5. $30,000 - $50,000
6. $50,000 - $100,000
7. $100,000 - $250,000
8. $250,000 or more
0. Inap. (Q2.1-Q2.12 added up)
7650 T4.7 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
5731 T5. During 1991, did you (or anyone in your family living
here) pay any alimony or child support?
1. YES
5. NO
5732 T5.1 Altogether, how much alimony and/or child support did you
(and your family) pay in 1991?
Code actual amount
0. Inap. (Paid no alimony or child support)
5733 T6. During 1991, did you (or anyone in your family living
here) provide any (other) financial support for relatives
or friends who do not live here?
1. YES
5. NO
5734 T6.1 How much support did you (and your family) pay?
Code actual amount
0. Inap. (Provided no financial support)
T6.2 To whom was this support given? (Anyone else?) (CODE ALL
THAT APPLY.)
5735 T6.2 CHILDREN UNDER 18
5736 T6.2 CHILDREN 18 AND OVER
5737 T6.2 PARENTS (IN-LAW)
5738 T6.2 GRANDCHILDREN
5739 T6.2 GRANDPARENTS
5740 T6.2 SIBLINGS (IN-LAW)
5741 T6.2 NIECE/NEPHEW
5742 T6.2 FRIEND
5743 T6.2 OTHER
1. Checked
2. Aunt/uncle (5743 only)
5. Not checked
-7. Other (5743 only)
0. Inap. (Provided no financial support)
5744 T7. Did you (or your [husband/wife/partner]) file or do
you expect to file a 1991 Federal Income tax return?
1. YES
5. NO
6. NOT YET FILED
5745 T7.1 INTERVIEWER CHECKPOINT -- see HHL, p.1. Is R
married/living with partner?
1. RESPONDENT MARRIED/LIVING WITH PARTNER
2. ALL OTHERS
5746 T7.2 Did/will you and your (husband/wife/partner) file a
joint return, did/will you file separately, or
did/will only one of you file? (Which one?)
1. FILE JOINTLY
2. FILE SEPARATE
3. ONLY R FILE
4. ONLY S FILE
0. Inap. (Did not file 1991 return, not married)
T7.3 Did/will you (or your [husband/wife/partner]) file a
Schedule C, E or F with your return?
(CODE ALL THAT APPLY
(IF R ASKS: SCHEDULE "C" IS FOR BUSINESS INCOME OR
SELF-EMPLOYMENT, "E" IS FOR TRUST AND PARTNERSHIP
INCOME, AND "F" IS FOR FARM INCOME.)
5747 T7.3 A. SCHED C
5748 T7.3 B. SCHED E
5749 T7.3 C. SCHED F
5750 T7.3 D. NO
1. Checked
5. Not checked
0. Inap. (Did not file 1991 return, filed
separately, only respondent/spouse/partner filed)
5751 T7.4 What was/will be your (and your
[husband's/wife's/partner's]) total adjusted gross
income (AGI) on your 1991 return?
(What do you think it will be?) (FORM 1040, LINE 3)
Code actual amount
-1. Zero; nothing
0. Inap. (Did not file 1991 return, filed
separately, only respondent/spouse/partner filed)
(IF R WAS NOT MARRIED IN 1991 OR R WAS MARRIED TO A
DIFFERENT PERSON, ASK FOR ADJUSTED GROSS INCOME
(AGI) ON THE FORM R FILES AND NOTE ANY
COMPLICATIONS IN THE MARGIN.)
T7.5 Did you file a Schedule C, E or F
with your return? (CODE ALL THAT APPLY.)
(IF R ASKS: SCHEDULE "C" IS FOR BUSINESS INCOME OR
SELF-EMPLOYMENT, "E" IS FOR TRUST AND PARTNERSHIP
INCOME, AND "F" IS FOR FARM INCOME.)
7758 T7.5 A. SCHED C
7759 T7.5 B. SCHED E
7760 T7.5 C. SCHED F
7761 T7.5 D. NO
1. Checked
5. Not checked
0. Inap. (Did not file 1991 return, filed
jointly, only spouse/partner filed )
7651 T7.6 What will be your total adjusted gross income (AGI)
on your 1991 tax return? (What do you think it will
be?) (ASKED OF RESPONDENTS FILING SEPARATELY.)
Code actual amount
-1. Zero; nothing
0. Inap. (Did not file 1991 return, filed
jointly, only spouse/partner filed )
T7.7 Did your (husband/wife/partner) file a Schedule C,
E, or F with your return? (CHECK ALL THAT APPLY.)
(ONLY SPOUSE FILED OR WILL FILE)
7762 T7.7 A. SCHED C
7763 T7.7 B. SCHED E
7764 T7.7 C. SCHED F
7765 T7.7 D. NO
1. Checked
5. Not checked
0. Inap. (Did not file 1991 return, filed
jointly, only respondent filed)
7652 T7.8 What was (his/her) total adjusted gross income
(AGI) on your 1991 tax return? (What do you think
it will be?)
Code actual amount
-1. Zero; nothing
0. Inap. (Did not file 1991 return, filed
jointly, only respondent filed)
Top of Page
-----------------------------------------------------------------------------
INHERITANCES, MISC.
-----------------------------------------------------------------------------
5801 X1. Have you (or your [husband/wife/partner]) ever received an
inheritance, or been given substantial assets in a trust
or in some other form?
1. YES (Include if mentioned, inheritances to
R's resident "dependent" children--if not from R
or spouse.
5. NO
5802 X2. How many of these have you (or your
[husband/wife/partner]) ever received?
See explanation with 8999 below.
Code # OF INHERITANCES, TRUSTS, OTHER TRANSFERS
0. Inap. (Never received inheritances)
8357 Value of X2 reported by the respondent.
Often respondents reported that a property, business, etc
was inherited or was acquired as a gift, but the asset was
not reported in the summary inheritance questions in
Section X. A set of rules was used to incorporate these
assets in the summary measures. For each asset the
respondent reported as an inheritance/gift each
inheritance/gift/trust in Section X was examined to see if
there was a plausible match. When no match could be made,
the asset was put into the next empty data field in the
summary measures. Where data needed to be moved and all
four summary positions were already used, the additional
values were added to the fourth position. All imputations
were conditioned on available parital information.
To determine which variables were added it is only
necessary to compare X5802 and X8357. If X8357 < X5802 then
the positions higher than the value of X8357 were added.
To determine whether additional amounts were added to the
mop-up variable X5818, compare X5818 with the original
value of that variable given by X8187. In all cases, flag
variables X8183-X8186 indicate which assets, it any, were
linked with or added to the amounts in the summaray
inheritance variables.
5803(#1) X3. (Thinking about the [largest/next largest] of these) was
5808(#2) that an inheritance, a trust, or what? (CODE ALL THAT
5813(#3) APPLY.)
1. INHERITANCE
2. TRUST
3. Gift
4. Settlements; insurance; lawsuits
5. Inheritance and gift (1 & 3 checked)
6. Inheritance and trust (1 & 2 checked)
-7. OTHER
0. Inap. (Never received inheritances, no further
inheritances)
5804(#1) X4. What was its approximate value at the time it was
5809(#2) received?
5814(#3)
5818(#4) X8. How much altogether were any others you have received?
Code actual amount
-1. Nothing; zero
0. Inap. (Never received inheritances, no further
inheritances)
8187 Original value of X5818.
See X8357 above for explanation.
5805(#1) X5. In what year was it received?
5810(#2)
5815(#3) Code YEAR
0. Inap. (Never received inheritances, no further
inheritances)
5806(#1) X6. From whom was it received?
5811(#2)
5816(#3) 1. GRANDPARENT
2. PARENT (incl. in-law or step-parent)
3. CHILD
4. AUNT/UNCLE
5. SIBLING
6. FRIEND
7. Cousin
11. Deceased spouse
12. Deceased ex-spouse
-7. OTHER
0. Inap. (Never received inheritances, no further
inheritances)
For the public use tape, Child (3) and Other (-7)
are combined in -7; Deceased spouses (11) and
Deceased ex-spouses (12) are combined in 11.
5807(#1) X7. INTERVIEWER CHECKPOINT (SEE X2). Is there another
5812(#2) inheritance, trust or transfer?
5817(#3)
1. YES
5. NO
0. Inap. (Never received inheritances, no further
inheritances)
8183 (#1) R: Link code for inheritance/gift reported as source of
8184 (#2) an asset earlier in the questionnaire
8185 (#3) (Multiple links may be established:
8186 (#4) these links are created by successively summing
multiple link codes multiplied by 100 -- e.g. 1506
indicates that there were unlinked assets reported
at a grid/mop-up location (this implies that the
linked asset was < the value reported in Section X),
the principal residence was inherited or received
as a gift, and all of these assets are included in
variable 5818).
1. Mobile home site only (Question D11d)
2. Mobile home only (Question D12c)
3. Mobile home site only (Question D15b)
4. Mobile home only (Question D15d)
5. Mobile home and site (Question D15f)
6. Other principal residence (Question D20)
7. Other real estate (Question E20, property #1)
8. Other real estate (Question E20, property #2)
9. Other real estate (Question E20, property #3)
10. Other vacation real estate (Question E36b)
11. Other investment real estate (Question E37a)
12. Active management business (Question M6,
business #1)
13. Active management business (Question M6,
business #2)
14. Active management business (Question M6,
business #3)
15. No link identified
0. Inap. (Never received inheritances, no further
inheritances)
5819 X9. Do you (or your [husband/wife/partner]) expect to receive a
substantial inheritance or transfer of assets in the
future?
1. YES
5. NO
5820 X9.1 Is that likely to involve a large amount of money, a
moderate amount, or what?
1. LARGE
2. MODERATE
3. Small (volunteered)
-7. OTHER
0. Inap. (Does not expect future inheritance)
5821 X9.2 IWER: RECORD AMOUNT IF R VOLUNTEERS IT
Code actual amount
0. Inap. (Does not expect future inheritance)
5822 X10. During 1991, did you (or anyone in your family living
here) make charitable contributions of money or property
totaling $500 or more? (Do not include political
contributions.)
1. YES
5. NO
5823 X10.1 Roughly, how much did (you/your family) contribute?
Code actual amount
0. Inap. (Did not make charitable contributions)
7662 X10.2 During 1991, did you (or any one in your family
living here) volunteer an average of one hour or
more a week to any charitable organizations? Please
do not include time volunteered for political
causes.)
1. YES
5. NO
5824 X11. Some people think it is important to leave an estate or
inheritance to their surviving heirs, while others don't.
Which is closer to your (and your [husband's/wife's])
feelings? Would you say it is very important, important,
somewhat important, or not important?
1. VERY IMPORTANT
2. IMPORTANT
3. R & S DIFFER
4. SOMEWHAT IMPORTANT
5. NOT IMPORTANT
5825 X12. Do you (and your [husband/wife/partner]) expect to leave a
sizeable estate to others?
1. YES
3. POSSIBLY
5. NO
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-----------------------------------------------------------------------------
MISC. DEMOGRAPHICS
-----------------------------------------------------------------------------
5901 Y1. I'd now like to ask you some questions about your
background. What is the highest grade of school or year
of college you completed?
6101 Y17. I'd now like to ask you some questions about your
(husband's/wife's/partner's) background. What is the
highest grade of school or year of college (he/she)
completed?
Code number of years
-1. NO EDUCATION
0. Inap. (No spouse)
5902 Y1.1 Did you get a high school diploma or pass a high school
equivalency test?
6102 Y17.1 Did (he/she) get a high school diploma or pass a high
school equivalency test?
1. YES
5. NO
0. Inap. (No spouse, more than 12 years of education)
5903 Y1.2 Since completing your formal education, have you had on-
the-job training or other vocational training lasting 100
hours or more?
6103 Y17.2 Since completing (his/her) formal education, has (he/she)
had on-the-job training or other vocational training
lasting 100 hours or more?
1. YES
5. NO
0. Inap. (No spouse, more than 12 years of education)
5904 Y1.3 Did you get a college degree?
6104 Y17.3 Did (he/she) get a college degree?
1. YES
5. NO
0. Inap. (No spouse, fewer than 12 years of education)
5905 Y1.4 What is the highest degree you have earned?
6105 Y17.4 What is the highest degree (he/she) earned?
1. ASSOCIATES
2. BACHELORS
3. MA/MBA
4. PHD
5. MD; DDS
6. LAW
7. Other professional certification (e.g., RN,
cosmetology)
-7. OTHER
0. Inap. (No spouse, fewer than 12 years of education,
no college degree)
For the public use file, PHD (4), MD; DDS (5) and LAW (6)
are combined in 4.
5906 Y2. Have you ever been in the military service?
6106 Y18. Has (he/she) ever been in the military service?
1. YES
5. NO
0. Inap. (No spouse)
5907 Y3. What is the month and year of your birth?--MONTH
6107 Y19. What is the month and year of (his/her) birth?--MONTH
Code MONTH
0. Inap. (No spouse)
5908 Y3. What is the month and year of your birth?--YEAR
6108 Y19. What is the month and year of (his/her) birth?--YEAR
Code YEAR
1890. 1890 or earlier
0. Inap. (No spouse)
5909 Y4. Are you American Indian, Asian, Hispanic, black, white, or
another race? (SHOW CARD 16)
1. AMERICAN INDIAN/ESKIMO/ALEUT
2. ASIAN
3. HISPANIC
4. BLACK
5. WHITE
-7. OTHER
For the public use file, American Indian/Eskimo/Aleut (1)
and Asian (2) and OTHER (-7) are combined in -7.
5910 Y5. Now I'd like to ask some questions about your family
living elsewhere. Altogether, including children from
previous marriages and adopted children, how many sons and
daughters do you (or your [husband/wife/partner])
have who do not live with you?
Code # CHILDREN
-1. NONE
5911 Y5.1 How many of them are 25 or older?
Code # 25 OR OLDER
-2. ALL OF THEM
-1. NONE
0. Inap. (No children outside home)
5912 Y5.2 And how many of them are less than 18 years old?
(INFERRED WHERE Y5a = ALL OF THEM)
Code # LESS THAN 18
-2. ALL OF THEM
-1. NONE
0. Inap. (No children outside home)
5913 Y6. How many living brothers and sisters do you have?
6109 Y20. How many living brothers and sisters does (he/she) have?
Code # BROTHERS/SISTERS
-1. NONE
0. Inap. (No spouse)
5914 Y6.1 How many are older than you?
6110 Y20.1 How many are older than (he/she) is?
Code # OLDER
-2. ALL
-1. NONE
0. Inap. (No spouse, no living siblings)
5915 Y7. INTERVIEWER CHECKPOINT: See R's marital status in
household listing
1. MARRIED; INCLUDING SPOUSE AWAY IN SERVICE
2. PARTNER
3. SEPARATED
4. DIVORCED
5. WIDOWED
6. NEVER MARRIED
R CURRENTLY MARRIED
5916 Y7.1 In what month and year were you married? -- MONTH
Code MONTH
0. Inap. (Not married)
5917 Y7.1 In what month and year were you married? -- YEAR
Code YEAR
0. Inap. (Not married)
5918 Y7.2 Is this your first marriage or have you been married before?
1. FIRST MARRIAGE
5. MARRIED BEFORE
0. Inap. (Not married)
5919 Y7.3 Altogether, how many times have you been married,
including your currently marriage?
2. TWO
3. THREE
4. FOUR OR MORE
0. Inap. (Not married, only married once)
5920 Y7.4 Did any of these marriages end with you being
widowed?
1. FIRST MARRIAGE
5. MARRIED BEFORE
0. Inap. (Not married, married less than three times)
5921 Y7.5 How many?
Code # times widowed
0. Inap. (Not married, married less than three
times, married more than twice but never widowed)
R CURRENTLY SEPARATED
5922 Y8 In what month and year were you separated? -- MONTH
Code MONTH
0. Inap. (Not separated)
5923 Y8 In what month and year were you separated? -- YEAR
Code YEAR
0. Inap. (Not separated)
5924 Y8.1 In what year did this marriage begin?
Code YEAR
0. Inap. (Not separated)
6026 Y14. Now I'd like to ask about your parents. Is your mother
still living?
6120 Y23. Is your (husband's/wife's/partner's) mother still living?
1. YES
5. NO
0. Inap. (No spouse)
6027 Y14.1 What is her age?
6121 Y23.1 What is her age?
Code AGE
0. Inap. (No spouse, mother not living)
6028 Y14.2 Is your father still living?
6122 Y23.2 Is your (husband's/wife's/partner's) father still living?
1. YES
5. NO
0. Inap. (No spouse)
6029 Y14.3 What is his age?
6123 Y23.3 What is his age?
Code AGE
0. Inap. (No spouse, father not living)
-----------------------------------------------------------------------------
MARITAL HISTORY RECODE VARIABLES
-----------------------------------------------------------------------------
8001 (R) R: Total number of marriages (incl. current partner)
8013 (S)
Code number
0. None
8002 (R) R: Total number of times divorced
8014 (S)
Code number
0. None; Inap.
8003 (R) R: Total number of times widowed
8015 (S)
Code number
0. None; Inap.
8004 R: Month current marriage or partnership began
Code month
0. Inap.
8005 R: Year current marriage or partnership began
Code year
0. Inap.
8006 (R) R: Month most recent past marriage ended (or separated)
Code month
0. Inap.
8007 (R) R: Year most recent past marriage ended (or separated)
8016 (S)
Code year
0. Inap.
8008 (R) R: Year most recent past marriage began
8017 (S)
Code year
0. Inap.
8009 (R) R: Year next most recent marriage ended
Code year
0. Inap.
8010 (R) R: Year next most recent marriage began
Code year
0. Inap.
8011 (R) R: Age at first marriage
8018 (S)
Code age
0. Inap.
8012 (R) R: Total number of years married, H
8019 (S)
Code number of years
0. Inap.
5925 Y8.2 Do you receive support from your (husband/wife), do you
pay support, or is there no support involved?
(ASKED OF SEPARATED RESPONDENTS)
1. RECEIVE SUPPORT
2. NO SUPPORT INVOLVED
3. PAY SUPPORT
0. Inap.
5926 Y8.3 How much do you receive?
(ASKED OF SEPARATED RESPONDENTS RECEIVING SUPPORT)
Code actual amount
0. Inap.
5927 Y8.3 PER
(ASKED OF SEPARATED RESPONDENTS RECEIVING SUPPORT)
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
-7. Other
0. Inap.
5928 Y8.4 How much do you pay?
(ASKED OF SEPARATED RESPONDENTS PAYING SUPPORT)
Code actual amount
0. Inap.
5929 Y8.4 PER
(ASKED OF SEPARATED RESPONDENTS PAYING SUPPORT)
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
-7. Other
0. Inap.
5930 Y8.5 Are the assets and debts that you've told me about in this
interview owned mainly by you, are they owned jointly with
your (husband/wife), or what?
(ASKED OF SEPARATED RESPONDENTS)
1. OWNED BY R
2. OWNED JOINTLY
-7. OTHER
0. Inap.
5931 Y8.6 Is this your first marriage or have you been
married before? (ASKED OF SEPARATED RESPONDENTS)
1. FIRST MARRIAGE
5. MARRIED BEFORE
0. Inap. (Not separated)
5932 Y8.7 Altogether, how many times have you been married,
including your current marriage? (ASKED OF
SEPARATED RESPONDENTS)
2. TWO
3. THREE
4. FOUR OR MORE
0. Inap. (Not separated, only married once)
5933 Y8.8 Did any of these marriages end by your being
widowed? (ASKED OF SEPARATED RESPONDENTS)
1. YES
5. NO
0. Inap. (Not separated, married less than three times)
5934 Y8.9 How many? (ASKED OF SEPARATED RESPONDENTS)
Code # times
0. Inap. (Not separated, married less than three
times, married more than twice but never widowed)
R CURRENTLY DIVORCED
6001 Y9. In what month and year were you divorced? -- MONTH
Code MONTH
0. Inap. (Not divorced)
6002 Y9. In what month and year were you divorced? -- YEAR
Code YEAR
0. Inap. (Not divorced)
6003 Y9.1 In what year did this marriage begin?
Code YEAR
0. Inap. (Not divorced)
6004 Y9.2 Was that your first marriage or had you been
married before?
1. FIRST MARRIAGE
5. MARRIED BEFORE
0. Inap. (Not divorced)
6005 Y9.3 Altogether, how many times have you been married?
2. TWO
3. THREE
4. FOUR OR MORE
0. Inap. (Not divorced, only married once)
6006 Y9.4 Did any of these marriages end by your being
widowed?
1. YES
5. NO
0. Inap. (Not divorced, married less than three times)
6007 Y9.5 How many?
Code # times
0. Inap. (Not divorced, married less than three
times, married more than twice but never widowed)
R CURRENTLY WIDOWED
6008 Y10. In what month and year were you widowed? -- MONTH
Code MONTH
0. Inap. (Not widowed)
6009 Y10. In what month and year were you widowed? -- YEAR
Code YEAR
0. Inap. (Not widowed)
6010 Y10.1 In what year did this marriage begin?
Code YEAR
0. Inap. (Not widowed)
6011 Y10.2 Was that your first marriage or had you been
married before?
1. FIRST MARRIAGE
5. MARRIED BEFORE
0. Inap. (Not widowed)
6012 Y10.3 Altogether, how many times have you been married?
2. TWO
3. THREE
4. FOUR OR MORE
0. Inap. (Not widowed, only married once)
6013 Y10.4 Did any of these marriages end in divorce?
1. YES
5. NO
0. Inap. (Not widowed, married less than three times)
6014 Y10.5 How many?
Code # times
0. Inap. (Not widowed, married less than three
times, married more than twice but never divorced)
R LIVING WITH PARTNER
6015 Y11. In what month and year did you start living with
your partner? -- MONTH
Code MONTH
0. Inap. (Not living with partner)
6016 Y11. In what month and year did you start living with
your partner? -- YEAR
Code YEAR
0. Inap. (Not living with partner)
6017 Y11.1 Have you ever been married? (to some one else)?
1. YES
5. NO
0. Inap. (Not living with partner)
6018 Y11.2 Altogether, how many times have you been married?
(LEGAL MARRIAGES)
1. ONE
2. TWO
3. THREE
4. FOUR OR MORE
0. Inap. (Not living with partner, living with
partner but not married before)
6019 Y11.3 Did any of these marriages end in divorce?
1. YES
5. NO
0. Inap. (Not living with partner, living with
partner but only married once before)
6020 Y11.4 How many?
Code # times
0. Inap. (Not living with partner, living with
partner but only married once before, living
with partner and married at least twice but
never divorced)
R HAS HAD TWO MARRIAGES
6021 Y12. When did your first marriage begin? -- YEAR
Code MONTH
0. Inap. (Never had at least two marriages)
6022 Y12.1 And when did that marriage end? -- YEAR
Code YEAR
0. Inap. (Never had at least two marriages)
6023 Y12.2 Did that marriage end in divorce or were you
widowed?
4. DIVORCED
5. WIDOWED
0. Inap. (Never had at least two marriages)
6024 Y13. At what age were you first married?
Code AGE
0. Inap. (Never had at least three marriages
including present marriage)
6025 Y13.1 Finally, for about how many years in total have you
been married (including your current marriage)?
(ACCEPT RANGE)
Code # YEARS
0. Inap. (Never had at least three marriages
including present marriage)
6111 Y21. Has your (husband/wife/partner) been married before?
1. YES
5. NO
0. Inap.
6112 Y22. Altogether, how many times was your (husband/wife/partner)
married before?
Code NUMBER
0. Inap.
6113 Y22.1 When did (his/her) first marriage begin?
Code YEAR
0. Inap.
6114 Y22.2 And when did that marriage end?
Code YEAR
0. Inap.
6115 Y22.3 Did that marriage end in divorce, or was (he/she) widowed?
3. Separated and not yet divorced
4. DIVORCE
5. WIDOWED
0. Inap.
6116 Y22.4 Did any of these marriages end by your (husband/wife/
partner) being widowed?
1. YES
5. NO
0. Inap.
6117 Y22.5 How many?
Code # TIMES WIDOWED
0. Inap.
6118 Y22.6 At what age was your (husband/wife/partner) first married?
Code YEARS OLD
0. Inap.
6119 Y22.7 Finally, for about how many years in total has your
(husband/wife/partner) been married? (ACCEPT RANGE)
Code YEARS
0. Inap.
-----------------------------------------------------------------------------
HEALTH AND HEALTH INSURANCE
-----------------------------------------------------------------------------
6030 Y15. Now I'd like to ask you about your health; would you say
your health is excellent, good, fair, or poor?
6124 Y24. Now I'd like to ask you some questions about your family's
health; would you say your (husband's/wife's/partner's)
health in general is excellent, good, fair, or poor?
1. EXCELLENT
2. GOOD
3. FAIR
4. POOR
0. Inap. (No spouse)
6201 Y25 INTERVIEWER CHECKPOINT: See household listing. Are
there one or more adults with independent finances?
READ: For the rest of the questions in the interview, please
include the adults in your household who have independent
finances.
1. ONE OR MORE ADULTS WITH INDEPENDENT FINANCES
2. ALL OTHERS
6301 Y29. Are you or anyone in your household (including family
members with independent finances) currently eligible to
receive benefits from any government health insurance
programs, such as Medicare, Medicaid, or CHAMPUS, VA, or
other military programs? (R DOES NOT LIVE ALONE)
Y27. Are you currently eligible to receive benefits from any
government health insurance programs, such as Medicare,
Medicaid, or CHAMPUS, VA, or other military programs?
(R LIVES ALONE)
1. YES
5. NO
Y29.1 Which program is that? (Anything else?) (CODE ALL THAT
APPLY.) (IWER: ONLY PERSONS 65 OR OLDER SHOULD BE
ELIGIBLE FOR MEDICARE. ONLY POOR PERSONS SHOULD BE
ELIGIBLE FOR MEDICAID. CHAMPUS IS FOR ACTIVE MILITARY.)
(R DOES NOT LIVE ALONE)
Y27.1 Which program is that? (Anything else?) (CODE ALL THAT
APPLY.) (IWER: ONLY PERSONS 65 OR OLDER SHOULD BE
ELIGIBLE FOR MEDICARE. ONLY POOR PERSONS SHOULD BE
ELIGIBLE FOR MEDICAID. CHAMPUS IS FOR ACTIVE MILITARY.)
(R LIVES ALONE)
6302 Y27.1/Y29.1 MEDICARE
6303 Y27.1/Y29.1 MEDICAID (include MediCal)
6304 Y27.1/Y29.1 VA/CHAMPUS
6305 Y27.1/Y29.1 OTHER
1. Checked
5. Not checked
0. Inap. (Not eligible for any government health
insurance programs)
6306 Y29.2 Is everyone living here covered by (this/one of these)
program(s)?
1. YES
5. NO
0. Inap. (Not eligible for any government health
insurance programs)
Y29.4 Who is not covered? (Anyone else?) (CODE ALL THAT
APPLY.)
6308 Y29.4 R
6309 Y29.4 SPOUSE
6310 Y29.4 CHILD(REN) UNDER 18
6311 Y29.4 CHILD(REN) 18 AND OVER
6312 Y29.4 FATHER (IN-LAW)
6313 Y29.4 MOTHER (IN-LAW)
6314 Y29.4 OTHER:
1. Checked
2. Grandchild (6314 only)
5. Not checked
0. Inap. (Not eligible for any government health
insurance programs, everyone covered by
government health insurance programss)
6315 Y29.3 Are you or anyone covered by any other type of health
coverage such as employer or union plans, or Blue Cross-Blue
Shield, a Health Maintenance Organization (HMO) or
some other health insurance?
(R DOES NOT LIVE ALONE)
Y30. Are you or anyone covered by any (other) type of
health coverage such as employer or union plans, or
Blue Cross-Blue Shield, a Health Maintenance
Organization (HMO) or some other health insurance?
(R DOES NOT LIVE ALONE)
Y27.2 Are you covered by any other type of health
coverage such as employer or union plans, or Blue
Cross-Blue Shield, a Health Maintenance
Organization (HMO) or some other health insurance?
(R LIVES ALONE)
Y28. Are you covered by any type of health coverage such
as employer or union plans or Blue Cross-Blue
Shield, a Health Maintenance Organization (HMO), or
some other health insurance? (R LIVES ALONE)
1. YES
5. NO
Y31. Is this coverage obtained through your employer, former
employer, or union, (your [husband's/wife's/partner's]
employer, former employer, or union,) through direct
payments to an insurance company, or AARP or what?
(CODE ALL THAT APPLY.) (R DOES NOT LIVE ALONE)
Y28.1 Is this coverage obtained through your employer or former
employer, a union, through direct payments to an insurance
company, or AARP or what? (CODE ALL THAT APPLY.)
(R LIVES ALONE)
6316 Y28.1/Y31. R'S EMPLOYER (incl. R's own business)
6317 Y28.1/Y31. R'S FORMER EMPLOYER
6318 Y28.1/Y31. R'S UNION
6319 Y31. S'S EMPLOYER
6320 Y31. S'S FORMER EMPLOYER
6321 Y31. S'S UNION
6322 Y28.1/Y31. DIRECT PAYMENT
7767 Y28.1/Y31. AARP
6323 Y28.1/Y31. OTHER:
1. Checked
2. Employer of HU member (except R or Spouse) (6323 only)
3. Through a relative outside the HU (incl. Ex-spouse);
former spouse's employer (R lives alone)
(6323 only)
5. Not checked
0. Inap. (No private health insurance coverage)
Y31.1 How is this coverage paid for -- by you, by an employer,
by you and an employer, by a relative, or what? (CODE ALL
THAT APPLY.) (R DOES NOT LIVE ALONE)
Y28.2 How is this coverage paid for -- by you, by an employer,
by you and an employer, by a relative, or what? (CODE ALL
THAT APPLY. (R LIVES ALONE)
6324 Y28.2/Y31.1 A. R/FAMILY
6325 Y28.2/Y31.1 B. EMPLOYER (incl. R's or S's own business)
6326 Y28.2/Y31.1 C. RELATIVE
6327 Y28.2/Y31.1 D. FORMER EMPLOYER
6328 Y28.2/Y31.1 E. OTHER:
1. Checked
2. Employer of someone else in HH other than R/Spouse
(6328 only)
3. Employer of person outside HH, incl. relatives/
ex-spouse (6328 only)
5. Not checked
0. Inap. (No private health insurance coverage)
7666 Y31.2 How much do you (and your family living here) pay
each month for insurance? -- AMOUNT (R DOES NOT
LIVE ALONE)
Y28.3 How much do you pay each month for this insurance?
-- AMOUNT (R LIVES ALONE)
Code $ amount
0. Inap. (No private health insurance coverage,
coverage not paid by respondent/family)
7667 Y31.2 PER
Y28.3 PER
2. Week
3. Biweekly
4. Month
5. Quarter
6. Year
11. Twice per year; every 6 months
12. Bimonthly
-7. Other
0. Inap. (No private health insurance coverage,
coverage not paid by respondent/family)
6329 Y31.3 Is everyone in your household covered by at least one of
these private health programs?
1. YES
5. NO
0. Inap. (No private health insurance coverage)
Y31.4 Who is not covered (including those with independent
finances)? (Anyone else?) (CODE ALL THAT APPLY.)
6330 Y31.4 A. R
6331 Y31.4 B. SPOUSE/PARTNER
6332 Y31.4 C. CHILD(REN) UNDER 18
6333 Y31.4 D. CHILD(REN) 18 AND OVER
6334 Y31.4 E. FATHER (IN-LAW)
6335 Y31.4 F. MOTHER (IN-LAW)
6336 Y31.4 G. OTHER:
1. Checked
2. Other adult relative(s) (6336 only)
3. Non-relative(s) (6336 only)
5. Not checked
0. Inap. (No private health insurance coverage,
everyone covered by private health insurance)
6337 Y32. (SHOW CARD 17) This is a list of reasons why some people
don't have health insurance. Which number best describes
why (you/some members of your household) are not covered?
1. TOO EXPENSIVE, CAN'T AFFORD HEALTH INSURANCE
2. CAN'T GET INSURANCE BECAUSE OF POOR HEALTH, AGE, OR
ILLNESS
3. DON'T BELIEVE IN HEALTH INSURANCE
4. NOT MUCH SICKNESS IN THE FAMILY; WE HAVEN'T NEEDED
INSURANCE; haven't gotten around to it
5. DISSATISFIED WITH PREVIOUS INSURANCE
6. JOB LAYOFF OR JOB LOSS;
7. Firm cancelled/does not offer plan
11. Not covered (on job) yet, but will be soon
15. Pre-exisiting conditions
18. Missed application deadline at work
30. Foreign insurance that does not cover the U.S.
95. Those without private insurance are already covered
by Medicare/Medicaid
-7. OTHER
0. Inap. (All covered by private/government
health insurance. NOTE: corrects
questionniare error.)
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FINANCES OF OTHER ECONOMIC UNITS WITHIN THE HOUSEHOLD
-----------------------------------------------------------------------------
6401 Y33. INTERVIEWER CHECKPOINT
1. 1 OR MORE ADULTS WITH INDEPENDENT FINANCES (COL. F
MARKED "INDEP")
2. ALL OTHERS
0. Inap. (R lives alone)
6402 Y34. I'd like to ask some questions just about the other adults
18 and over who live with you (and your family) but have
independent finances. (Does he/Does she/Do any of these
other adults) receive any income from wages or salaries?
1. YES
3. YES, amount edited out earlier
4. YES, but no evidence of account earlier
5. NO
0. Inap. (No adults with independent finances)
6403 Y34.1 Roughly how much total income did (he/she/they) have from
wages and salaries in 1991 before taxes and deductions?
(ACCEPT RANGE.)
Code actual amount
-1. Zero; none in 1991
0. Inap. (No adults with independent finances,
independent adults have no wages/salaries)
6404 Y34.2 Did you include this amount in the income you told
me about earlier in this interview? (IF R TOLD ONLY
ABOUT PART, MAKE NOTE.)
1. YES
3. YES, amount edited out earlier
5. NO
0. Inap. (No adults with independent finances,
independent adults have no wages/salaries)
7668 Y34.3 Where did you tell me about this income?
Code up to 5 characters
0. Inap. (No adults with independent finances,
independent adults have no wages/salaries,
did not include this income earlier)
6405 Y35. (Does he/Does she/Do they) receive income from any other
sources (such as social security, a pension, disability
payments, public assistance, or income from a business or
other assets)?
1. YES
5. NO
0. Inap. (No adults with independent finances)
Y35.1 What other sources of income (does he/does she/do they)
have? (CODE ALL THAT APPLY.)
6406 Y35.1 A. SOCIAL SECURITY
6407 Y35.1 B. PENSIONS
6408 Y35.1 C. DISABILITY
6409 Y35.1 D. PUBLIC ASSISTANCE
6410 Y35.1 E. INTEREST INCOME
6411 Y35.1 F. DIVIDENDS
6412 Y35.1 G. BUSINESS
6413 Y35.1 H. REAL ESTATE
6414 Y35.1 J. OTHER
1. Checked
5. Not checked
0. Inap. (No adults with independent finances,
independent adults have no income from other sources)
6415 Y35.2 Roughly how much total income did (he/she/they) have from
(all these/this) source(s) in 1991 before taxes and
deductions?
Code actual amount
-1. Zero; none in 1991
0. Inap. (No adults with independent finances,
independent adults have no income from other sources)
6416 Y35.3 Did you include this amount in the income you told
me about earlier in this interview? (IF R ONLY
TOLD ABOUT PART, MAKE NOTE.)
1. YES
3. YES, amount edited out earlier
4. YES, but no evidence of account earlier
5. NO
0. Inap. (No adults with independent finances,
independent adults have no income from other sources)
7669 Y35.4 Where did you tell me about this income?
Code up to 5 characters
0. Inap. (No adults with independent finances,
independent adults have no income from other sources,
did not include this income earlier)
6417 Y36. (Does he/Does she/Do any of them) have any cars or other
vehicles?
1. YES
5. NO
0. Inap. (No adults with independent finances)
6418 Y36.1 Roughly, how much (is this/are these) vehicle(s) worth in
today's prices? (ACCEPT RANGE.)
Code actual amount
-1. Zero; worth nothing
0. Inap. (No adults with independent finances,
independent adults have no vehicles)
6419 Y36.2 Did you include this/these vehicles in the ones you told
me about earlier in this interview? (IF R ONLY
TOLD ABOUT PART, MAKE NOTE.)
1. YES
3. YES, amount edited out earlier
4. YES, but no evidence of account earlier
5. NO
0. Inap. (No adults with independent finances,
independent adults have no vehicles)
7670 Y36.3 Where did you tell me about this/these vehicles?
Code up to 5 characters
0. Inap. (No adults with independent finances,
independent adults have no vehicles,
did not include this income earlier)
6420 Y37. (Does he/Does she/Do they) have any bank accounts, savings
accounts, or savings bonds?
1. YES
5. NO
0. Inap. (No adults with independent finances)
6421 Y37.1 Roughly, how much in total (does he/does she/do they) have
in bank accounts, savings accounts, or savings bonds?
(ACCEPT RANGE.)
Code actual amount
-1. Zero; account with no balance
0. Inap. (No adults with independent finances,
independent adults have no accounts/savings bonds)
6422 Y37.2 Did you include this amount when you told
me about these items earlier in this interview? (IF R ONLY
TOLD ABOUT PART, MAKE NOTE.)
1. YES
3. YES, amount edited out earlier
4. YES, but no evidence of account earlier
5. NO
0. Inap. (No adults with independent finances,
independent adults have no accounts/savings bonds)
7671 Y37.3 Where did you tell me about these items?
Code up to 5 characters
0. Inap. (No adults with independent finances,
independent adults have no accounts/savings bonds,
did not include this income earlier)
6423 Y38. (Does he/Does she/Do they) have any other assets (such as
stocks, bonds, a business, or any properties, including
any part of the [house/apartment] you live in)?
1. YES
5. NO
0. Inap. (No adults with independent finances)
Y38.1 What other kinds of assets (does he/does she/do they)
have? (CODE ALL THAT APPLY.)
6424 Y38.1 A. R'S HOME
6425 Y38.1 B. STOCKS
6426 Y38.1 C. BONDS
6427 Y38.1 D. MUTUAL FUNDS
6428 Y38.1 E. MONEY MARKET FUNDS
6429 Y38.1 F. BUSINESS
6430 Y38.1 G. OTHER REAL ESTATE
6431 Y38.1 H. OTHER
1. Checked
5. Not checked
0. Inap. (No adults with independent finances,
independent adults have no other assets)
6432 Y38.2 Roughly, how much in total (does he/does she/do they) have
in (all these/this) asset(s)? (ACCEPT RANGE.)
Code actual amount
-1. Zero value; currently a loss
0. Inap. (No adults with independent finances,
independent adults have no other assets)
6433 Y38.3 Did you include this amount in the assets you told
me about earlier in this interview? (IF R ONLY
TOLD ABOUT PART, MAKE NOTE.)
1. YES
3. YES, amount edited out earlier
4. YES, but no evidence of account earlier
5. NO
0. Inap. (No adults with independent finances,
independent adults have no other assets)
7672 Y38.4 Where did you tell me about this/these asset(s)?
Code up to 5 characters
0. Inap. (No adults with independent finances,
independent adults have no other assets,
did not include this income earlier)
6434 Y39 INERVIEWER CHECKPOINT: "R's HOME" MARKED IN Y38.1
1. YES
5. NO
0. Inap. (No adults with independent finances,
independent adults have no other assets)
6435 Y39.1 What share of this home (does he/does she/do they) own?
Code PERCENT to 2 decimal places
0. Inap. (No adults with independent finances,
independent adults do not own part of R's home)
6436 Y39.2 What is the present value of this home? I mean, about
what would it bring if it were sold today?
Code actual amount
0. Inap. (No adults with independent finances,
independent adults do not own part of R's home)
6437 Y39.3 What is the amount still owed on all the mortgages, land
contracts and loans on the home? (ACCEPT RANGE.)
Code actual amount
-1. NOTHING
0. Inap. (No adults with independent finances,
independent adults do not own part of R's home)
6438 Y40. Not including any debts (he/she/they) owe(s) you (or your
[husband/wife/partner]), (does he/does she/do they) have any
debts? (IF R ASKS: DO NOT INCLUDE MORTGAGE ON R'S HOME.)
1. YES
5. NO
0. Inap. (No adults with independent finances)
6439 Y40.1 Roughly how much in total are (his/her/their) debts?
Code actual amount
0. Inap. (No adults with independent finances,
independent adults do have any debts)
6440 Y40.2 Did you include these debts when you told me about
the household debts earlier in this interview? (IF R ONLY
TOLD ABOUT PART, MAKE NOTE.)
1. YES
3. YES, amount edited out earlier
4. YES, but no evidence of account earlier
5. NO
0. Inap. (No adults with independent finances,
independent adults do have any debts)
7673 Y40.3 Where did you tell me about these debts?
Code up to 5 characters
0. Inap. (No adults with independent finances,
independent adults do have any debts,
did not include this income earlier)
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EXPECTATIONS AND ATTITUDES
-----------------------------------------------------------------------------
301 A1. I'd like to start this interview by asking you about your
expectations for the future. Over the next five years, do
you expect the U.S. economy as a whole to perform better,
worse, or about the same as it has over the past five
years?
1. BETTER
2. WORSE
3. ABOUT THE SAME
302 A2. Five years from now, do you think interest rates will be
higher, lower, or about the same as today?
1. HIGHER
2. LOWER
3. ABOUT THE SAME
303 A3. Over the next five years, do you expect your total
(family) income to go up more than prices, less than
prices, or about the same as prices?
1. UP MORE
2. UP LESS
3. ABOUT THE SAME
304 A4. Over the past five years, did your total (family) income
go up more than prices, less than prices, or about the
same as prices?
1. UP MORE
2. UP LESS
3. ABOUT THE SAME
7586 A4.1. At this time, do you have a good idea of what your
(family's) income for the next year will be?
1. YES
5. NO
401 B1. Now I would like to ask you some questions about how you
feel about credit. In general, do you think it is a good
idea or a bad idea for people to buy things on the
installment plan?
1. GOOD IDEA
3. GOOD IN SOME WAYS, BAD IN OTHERS
5. BAD IDEA
B2. People have many different reasons for borrowing money
which they pay back over a period of time. For each of
the reasons I read, please tell me whether you feel it is
all right for someone like yourself to borrow money...
402 B2.1 first, to cover the expenses of a vacation trip?
403 B2.2 next, to cover living expenses when income is cut?
404 B2.3 (next,) to finance the purchase of a fur coat or jewelry?
405 B2.4 (next,) to finance the purchase of a car?
406 B2.5 finally, to finance educational expenses?
1. YES
5. NO
407 B3. In the past five years, has a particular lender or
creditor turned down any request you (or your
[husband/wife/partner]) made for credit, or not
given you as much credit as you applied for?
(PROBE: Turned down, or not as much credit?)
1. YES, TURNED DOWN
3. YES, NOT AS MUCH CREDIT
5. NO
408 B3.1 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?
1. YES
3. DID NOT REAPPLY
5. NO
0. Inap. (Not turned down)
7585 B3.2 On the most recent occasion, what reasons were you
(or your husband/wife/partner) given for being
turned down for credit or unable to get as much
credit as you applied for?
50. FAMILY BACKGROUND
51. FAMILY SIZE
52. MARITAL STATUS
53. SEX
54. COMBINATION MARITAL STATUS AND SEX
55. AGE
56. RACE
57. PERSONAL CHARACTER/REPUTATION
58. HEALTH
59. OTHER PERSONAL CHARACTERISTIC
61. NEED TO HAVE CHECKING/SAVINGS ACCOUNT AT INSTITUTION
62. NO CREDIT HISTORY
63. CREDIT REPORTS FROM CREDIT BUREAU
64. CREDIT RECORDS FROM OTHER INSTITUTIONS
65. LACK OF ASSETS
66. AMOUNT OF DEBT
69. OTHER CREDIT CHARACTERISTICS
71. TIME ON CURRENT JOB
72. JOB, TYPE OF WORK
73. LACK OF JOB
74. LACK OF HOMEOWNERSHIP
75. TIME AT CURRENT ADDRESS
76. AMOUNT OF INCOME
77. SOURCE OF INCOME
78. WHERE YOU LIVE
79. OTHER FINANCIAL CHARACTERISTICS
81. LACK OF FAMILIARITY/EXPERIENCE
82. PREVIOUS BAD EXPERIENCE
83. INSTITUTION IS MORE STRICT
87. DISCRIMINATION, RED-LINING
88. INCONVENIENT, DIFFICULT
89. OTHER MISCELLANEOUS
90. DIDN'T APPROVE OF LOAN PURPOSE
91. LOAN TOO LARGE FOR SOURCE TO HANDLE
92. INTEREST
-1. NONE, NO REASON GIVEN
-7. OTHER
7584 B3.3 What type of credit did you apply for?
1. MORTGAGE
2. CAR LOAN
3. OTHER INSTALLATION PLAN
4. CREDIT CARD
6. STORE ACCOUNT
17. EQUITY LOAN
18. Business/investment loan
19. Line of credit
20. Personal loan
21. Consolidation loan
-7. OTHER
409 B3.4 Was there any time in the past five 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?
1. YES
5. NO
7583 B3.5 On the most recent occasion, why did you (or your
husband/wife/partner) think you might be turned down?
50. FAMILY BACKGROUND
51. FAMILY SIZE
52. MARITAL STATUS
53. SEX
54. COMBINATION MARITAL STATUS AND SEX
55. AGE
56. RACE
57. PERSONAL CHARACTER/REPUTATION
58. HEALTH
59. OTHER PERSONAL CHARACTERISTIC
61. NEED TO HAVE CHECKING/SAVINGS ACCOUNT AT INSTITUTION
62. NO CREDIT HISTORY
63. CREDIT REPORTS FROM CREDIT BUREAU
64. CREDIT RECORDS FROM OTHER INSTITUTIONS
65. LACK OF ASSETS
66. AMOUNT OF DEBT
69. OTHER CREDIT CHARACTERISTICS
71. TIME ON CURRENT JOB
72. JOB, TYPE OF WORK
73. LACK OF JOB
74. LACK OF HOMEOWNERSHIP
75. TIME AT CURRENT ADDRESS
76. AMOUNT OF INCOME
77. SOURCE OF INCOME
78. WHERE YOU LIVE
79. OTHER FINANCIAL CHARACTERISTICS
81. LACK OF FAMILIARITY/EXPERIENCE
82. PREVIOUS BAD EXPERIENCE
83. INSTITUTION IS MORE STRICT
87. DISCRIMINATION, RED-LINING
88. INCONVENIENT, DIFFICULT
89. OTHER MISCELLANEOUS
90. DIDN'T APPROVE OF LOAN PURPOSE
91. LOAN TOO LARGE FOR SOURCE TO HANDLE
92. INTEREST
-1. NONE, NO REASON GIVEN
-7. OTHER
3001 I16. R HAS ANY TYPE OF LOAN OR DEBT? CODE ALL THAT
APPLY. REFER TO INSTITUTIONS CARD.
1. R HAS ANY TYPE OF LOAN OR DEBT -- MORTGAGE, HOUSING
LOAN, PROPERTY, VEHICLE OR OTHER LOANS
2. ALL OTHERS
3. CHECKED "NO DEBTS," BUT R HAD DEBTS
4. CHECKED "DEBTS," R HAD NO DEBTS
3002 I17. (SHOW CARD 5) Thinking about the loan or mortgage that you
took out most recently, what was the main reason you chose
the lender that you did? Was it because of the location
of their offices, because they had the best interest
rates, because you were able to obtain many services at
one place, because they were recommended by someone else,
or some other reason?
1. RECOMMENDED
2. INTEREST RATES
3. LOCATION OF OFFICES
4. Other business done here
5. Easy to qualify (for credit); only place that would
give us a loan
6. MANY/SPECIAL SERVICES IN ONE PLACE
7. Low fees/service charges
11. Personal relationship; they know me;
know/like them; freindly;
R/Spouse works there
21. No choice--assumed existing debt and lender from
previous owner
22. No choice--financed through store/dealer and this
was their financial institution
23. Advertisement
24. Convenient hours
25. No particular reason
26. No other institutions
27. Privacy
-7. OTHER
0. Inap. (R has no loans)
3003 I18. (READ SLOWLY:) Again thinking about the same
loan, roughly how far was the office where the
application was made from the home or workplace of the
person who made the application? (IF R ASKS: WE WANT THE
CLOSER OF THE DISTANCE FROM HOME OR OFFICE.) (ACCEPT
RANGE.)
Code MILES
51. OVER 50 MILES
-1. LESS THAN A MILE
0. Inap. (R has no loans)
3004 I19. Now thinking of all the various loan payments you made
during the last year, were all the payments made the way
they were scheduled, or were payments on any of the loans
sometimes made later or missed?
1. ALL PAID AS SCHEDULED
5. SOMETIMES GOT BEHIND OR MISSED PAYMENTS
-1. Payments not due/started yet
-7. Other
0. Inap. (R has no loans)
3005 I19.1 Were you ever behind in your payments by two months or
more?
1. YES
5. NO
0. Inap. (R has no loans, all payments made as scheduled)
3006 J1. Now I'd like to ask a few questions about your (family's)
3007 savings. People have different reasons for saving. What
7515 are your (family's) most important reasons for saving?
7514
7513 1. Children's education; education of grandchildren
2. Own education; spouse's education; education--NA for
whom
3. "For the children/family"--NFS; "to help the kids
out"
11. Buying own house (code summer cottage in 12)
12. Purchase of cottage or second home for own use
13. Buy a car
14. Home improvements/repairs
15. To travel; take vacations
16. Buy durable household goods, appliances, home
furnishings; hobby items; for other purchases not
codable above or not further specified; "buy things
when we need/want them"; moving/special occasions
17. Burial; funeral expenses
18. Charitable or religious contributions
21. Buying (investing in) own business/farm; equipment
for business/farm
22. Retirement; old age
23. Reserves in case of unemployment
24. In case of illness; medical/dental expenses
25. Emergencies; "rainy days"; other unexpected needs;
for "security"/independence
26. Investment reasons (to get interest, to be
diversified, to buy other forms of assets)
27. To meet contractual commitments (debt repayment,
insurance, taxes, settlement, etc.); to pay
off house
28. "To get ahead"; for the future; to advance standard
of living
29. Ordinary living expenses/bills
30. To move
90. Had extra income; saved because had the money left
over--no other purpose specified
91. Wise/prudent thing to do; good discipline to save
92. Liquidity; to have cash available/on hand
-1. Don't/can't save; "have no money"
0. Inap. (No additional reason)
3010 J2. Are there any forseeable major financial
obligations that you (and your family) expect
will have to be met in the future, such as
educational expenses, health care costs, and so forth?
(IF R ASKS, THE FUTURE MEANS THE NEXT FIVE TO TEN
YEARS.)
1. YES
5. NO
3011 J2.1. (SHOW CARD 6) What kinds of obligations are these?
3012 (CODE ALL THAT APPLY.)
3013
7512
7511 Code up to 5 mentions
1. EDUCATION: R'S CHILDREN (incl. step & adopted
children); grandchildren
2. EDUCATION: OTHERS (incl. R & spouse)
3. HEALTH CARE: SELF/SPOUSE
4. HEALTH CARE: OTHERS (incl. elderly parents/disabled
child)
5. Health care/Medical expenses -- NA for whom
11. General support for R/spouse in retirement or old
age
12. General support for (disabled) child/grandchild;
"raising my grandson"
13. General support for parents
14. General support for others or NA for whom
21. Home purchase (incl. vacation home)
22. Purchase of car or other large durable goods
23. Burial expenses
24. Taxes
25. Home repairs/improvements
26. Weddings, vacations, moving and other special
expenditures
31. Business/investment; start/expand own business
35. Settlement; legal expenses
41. Bills/living expenses--NFS
-7. OTHER
0. Inap. (No financial obligations, no additional
financial obligations)
3008 J3. (SHOW CARD 7) In deciding how much of their (family) income
to spend or save, people are likely to think about
different financial planning periods. In planning your
(family's) saving and spending, which of the time periods
listed on this page is most important to you (and your
[husband/wife/partner])?
1. NEXT FEW MONTHS
2. NEXT YEAR
3. NEXT FEW YEARS
4. NEXT 5 - 10 YEARS
5. LONGER THAN 10 YEARS
-1. R only says: "no savings"/"can't (don't) save"
3009 J4. Which is the least important to you?
1. NEXT FEW MONTHS
2. NEXT YEAR
3. NEXT FEW YEARS
4. NEXT 5 - 10 YEARS
5. LONGER THAN 10 YEARS
-1. R only says: "no savings"/"can't (don't) save"
3014 J5. (SHOW CARD 8) 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 ANSWERS ONLY IF
NECESSARY)
If more than one box checked, code smallest category #.
1. TAKE SUBSTANTIAL FINANCIAL RISKS EXPECTING TO EARN
SUBSTANTIAL RETURNS.
2. TAKE ABOVE AVERAGE FINANCIAL RISKS EXPECTING TO EARN
ABOVE AVERAGE RETURNS.
3. TAKE AVERAGE FINANCIAL RISKS EXPECTING TO EARN
AVERAGE RETURNS.
4. NOT WILLING TO TAKE ANY FINANCIAL RISKS.
J6. (SHOW CARD 9) Which of the following statements on this
page comes closest to describing you(r) (and your
[husband's/wife's/partner's]) saving habits?
(CODE MORE THAN ONE ONLY IF NECESSARY.) (READ
ANSWERS ONLY IF NECESSARY.)
3015 J6-1. DON'T SAVE -- USUALLY SPEND MORE THAN INCOME
3016 J6-2. DON'T SAVE -- USUALLY SPEND ABOUT AS MUCH AS INCOME
3017 J6-3. SAVE WHATEVER IS LEFT OVER AT THE END OF THE MONTH--NO
3018 J6-4. SAVE INCOME OF ONE FAMILY MEMBER, SPEND THE OTHER
3019 J6-5. SPEND REGULAR INCOME, SAVE OTHER INCOME
3020 J6-6. SAVE REGULARLY BY PUTTING MONEY ASIDE EACH MONTH
1. Checked
5. Not checked
3023 J7. (SHOW CARD 10) How would you rate the
retirement income you (expect to) receive
from Social Security and job pensions?
1. TOTALLY INADEQUATE
2.
3. ENOUGH TO MAINTAIN LIVING STANDARDS
4.
5. VERY SATISFACTORY
3024 J8. (SHOW CARD 10) When making major decisions about borrowing
and saving, some people shop around for the very best
terms while others don't. Where would your family be on
the scale?
1. ALMOST NO SHOPPING
2.
3.
4.
5. A GREAT DEAL OF SHOPPING
7510 J9. Over the past year, would you say that (your/your
family's) spending exceeded (your/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.)
1. SPENDING EXCEEDED INCOME
2. SPENDING EQUALLED INCOME
3. SPENDING WAS LESS THAN INCOME
7509 J9.1. Did any of that spending include purchases of a
home or automobile or spending for any investments?
1. YES
5. NO
0. Inap. (spending did not exceed income)
7508 J9.2. Including only monthly payments on your house or
car and leaving aside any spending on investments,
over the past year, would you say that (your/your
family's) spending exceeded (your/your family's)
income, that is was about the same as your income,
or that you spent less than your income?
1. SPENDING EXCEEDED INCOME
2. SPENDING EQUALLED INCOME
3. SPENDING WAS LESS THAN INCOME
0. Inap.
7507 J9.3. 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
3. Got behind on payments; didn't pay bills
4. Help from others
5. Possible respondent error #1: cut back on expenses
6. Possible respondent error #2: got addititional income
-7. OTHER
0. Inap. (spending did not exceed income)
7506 J9.4. Did any of that spending include purchases of a
home or automobile or spending for any investments?
1. YES
5. NO
0. Inap. (spending did not equal income)
-----------------------------------------------------------------------------
LINKAGE TO PENSION PROVIDER
-----------------------------------------------------------------------------
6501 Y42. END OF IW REFERENCE: RESPONDENT'S EMPLOYMENT/PENSION
INFORMATION
1. R IS COVERED BY PENSION ON CURRENT JOB (1 OR MORE
PLANS AT R18, P. 82)
2. ALL OTHERS
6502 Y43. END OF IW REFERENCE: SPOUSE'S EMPLOYMENT/PENSION
INFORMATION
3. R IS NOT MARRIED/LIVING WITH PARTNER
4. S IS COVERED BY PENSION ON CURRENT JOB
5. ALL OTHERS
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INTERVIEWER OBSERVATIONS
-----------------------------------------------------------------------------
6503 ZZ1. RELATIONSHIP OF R TO INFORMANT:
1. R IS INFORMANT
2. Spouse of Informant; partner of Informant
3. Child " "
4. Parent " "
5. Roommate/friend
6. Employer of Informant (e.g., maid was Informant)
7. Aunt/uncle
8. Grandchild
9. Grandparent (incl. in-laws)
10. Cousin
11. Niece/nephew
12. Sister/brother (incl. in-laws)
13. Great grandchild
14. Other relative
-7. OTHER: R IS __________ OF INFORMANT
6504 ZZ2. TYPE OF STRUCTURE IN WHICH FAMILY LIVES:
0. IW NOT CONDUCTED AT R'S HOME (low priority code)
1. TRAILER; MOBILE HOME
2. DETACHED SINGLE FAMILY HOUSE
3. 2-FAMILY HOUSE, 2 UNITS SIDE BY SIDE
4. 2-FAMILY HOUSE, 2 UNITS ONE ABOVE THE OTHER;
"duplex"--NA whether 3 or 4
5. DETACHED 3-4 FAMILY HOUSE
6. ROW HOUSE (3 OR MORE UNITS IN AN ATTACHED ROW)
7. APARTMENT HOUSE (4 OR FEWER UNITS)
8. CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 3 STORIES OR
LESS)
9. CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 4 STORIES OR
MORE)
10. APARTMENT IN PARTLY COMMERCIAL STRUCTURE
11. Gov't. housing "projects"--not codeable above
12. CO-OP/CONDO/NFS
-7. OTHER
ZZ3. NEIGHBORHOOD: Look at the structures on R's block and
CODE as many as apply.
6505 ZZ3. VACANT LAND (include "lake", "farmland")
6506 ZZ3. TRAILER/MOBILE HOME
6507 ZZ3. DETACHED SINGLE FAMILY HOUSE
6508 ZZ3. 2-FAMILY HOUSE; SIDE BY SIDE OR ONE ABOVE THE OTHER
6509 ZZ3. DETACHED 3-4 FAMILY HOUSE
6510 ZZ3. ROW HOUSE (3 OR MORE UNITS IN AN ATTACHED ROW)
6511 ZZ3. APARTMENT HOUSE (4 OR FEWER UNITS)
6512 ZZ3. CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 3 STORIES OR
LESS)
6513 ZZ3. CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 4 STORIES OR
MORE)
6514 ZZ3. COMMERCIAL OR INDUSTRIAL STRUCTURE
6515 ZZ3. PARK; golf course
6516 ZZ3. SCHOOL OR OTHER GOV'T. BUILDING
6517 ZZ3. VACANT BUILDING
7768 ZZ3. FARM
6518 ZZ3. OTHER
1. Checked
2. Gov't/Housing Project--not codeable above
5. Not checked
0. Inap. (Interview not conducted in R's home)
6519 ZZ4. BUILDINGS IN THE IMMEDIATE NEIGHBORHOOD (LOOK UP AND DOWN
THE BLOCK) ARE:
1. ALL RESIDENTIAL
2. MOSTLY RESIDENTIAL
3. ABOUT EQUALLY RESIDENTIAL AND NONRESIDENTIAL
4. MOSTLY NONRESIDENTIAL
5. NONE IN VIEW;
0. Inap. (Interview not conducted in R's home)
6520 ZZ5. HOUSING STRUCTURES ON BLOCK ARE:
1. 0-20 FEET APART
2. 21-100 FEET APART
3. OVER 100 FEET APART
0. Inap. (Interview not conducted in R's home)
6521 ZZ6. CONDITION OF BUILDING EXTERIOR IS:
1. CLEAN AND SOUND
2. SOME PAINT PEELING OR CRACKS IN MASONRY
3. NEEDS SUBSTANTIAL PAINTING, REFILLING, OR REPAIR
4. DILAPIDATED
0. Inap. (Interview not conducted in R's home)
6522 ZZ7. CONDITION OF THE EXTERIOR OF BUILDINGS ON BLOCK IN GENERAL
(BOTH SIDES OF STREET) LOOKS:
1. BETTER THAN R'S
2. AS GOOD AS R'S
3. WORSE THAN R'S
4. NO OTHER BUILDINGS IN VIEW;
Inap. (Interview not conducted in R's home)
6523 ZZ8. PLEASE RATE THE PHYSICAL CONDITION OF THE INTERIOR OF THE
HU:
1. EXCELLENT: WALLS AND CEILINGS HAVE NO CRACKS; PAINT OR
PANELLING IS IN GOOD CONDITION
2. GOOD: NEEDS SOME MINOR PAINTING OR REFINISHING
3. FAIR: NEEDS MAJOR INTERIOR WORK--HOLES AND/OR CRACKS
NEED PATCHING, PAINTING NEEDED, ETC.
4. POOR: SOME WALLS OR CEILINGS NEED REPLACEMENT
0. Inap. (Interview not conducted in R's home)
6524 ZZ9. NEIGHBORHOOD RESIDENTS SEEM TO BE:
1. ALL BLACK
2. ALMOST ALL BLACK
3. HALF BLACK AND HALF NON-BLACK
4. ALMOST ALL NON-BLACK
5. ALL NON-BLACK
0. Inap. (Interview not conducted in R's home)
6525 ZZ10. R'S UNDERSTANDING OF THE QUESTIONS WAS . . .
1. EXCELLENT
2. GOOD
3. FAIR
4. POOR
6526 ZZ11. R'S ABILITY TO EXPRESS (HIMSELF/HERSELF) WAS . . .
1. EXCELLENT
2. GOOD
3. FAIR
4. POOR
6527 ZZ12. WAS R SUSPICIOUS ABOUT THE STUDY BEFORE THE INTERVIEW?
1. NO, NOT AT ALL SUSPICIOUS
2. YES, SOMEWHAT SUSPICIOUS
5. YES, VERY SUSPICIOUS
6528 ZZ13. WAS R SUSPICIOUS ABOUT THE STUDY AFTER THE INTERVIEW?
1. NO, NOT AT ALL SUSPICIOUS
2. YES, SOMEWHAT SUSPICIOUS
5. YES, VERY SUSPICIOUS
6529 ZZ14. OVERALL, HOW GREAT WAS R'S INTEREST IN THE INTERVIEW?
1. VERY HIGH
2. ABOVE AVERAGE
3. AVERAGE
4. BELOW AVERAGE
5. VERY LOW
ZZ15. OTHER PERSONS PRESENT AT THE INTERVIEW: (CODE ALL THAT
APPLY.)
6530 ZZ15 CHILDREN UNDER 6
6531 ZZ15. CHILDREN 6 & OVER
6532 ZZ15. SPOUSE
6533 ZZ15. OTHER RELATIVES
6534 ZZ15. OTHER ADULTS
6535 ZZ15. NO ONE
1. Checked
5. Not checked
6536 ZZ16. DID R REFER TO DOCUMENTS TO ANSWER QUESTIONS?
1. FREQUENTLY
2. SOMETIMES
4. RARELY
5. NEVER
ZZ17. WHICH DOCUMENTS DID R REFER TO? (CODE ALL THAT APPLY)
6537 ZZ17. LOAN DOCUMENTS
6538 ZZ17. CHECKING; SAVINGS; INVESTMENTS
6539 ZZ17. PENSION DOCUMENTS
6540 ZZ17. INCOME TAX RETURN
7769 ZZ17. OTHER
7770 ZZ17. BILLS
7771 ZZ17. PAY STUBS
7772 ZZ17. OTHER RECORDS
1. Checked
5. Not checked
-1. None
0. Inap. (Did not refer to documents)
7504 ZZ18. IN WHAT LANGUAGE WAS THE SURVEY CONDUCTED?
1. English
2. Spanish
***********************************************************************
MISC. RECODED VARIABLES
***********************************************************************
X. VEHICLES
8346 place holder for imputed value of x2103
8347 place holder for imputed value of x2110
8348 place holder for imputed value of x2204
8349 place holder for imputed value of x2304
8350 place holder for imputed value of x2404
XIII. FINANCIAL ASSETS
4016 n50.face val oth life in
8174 intrm var - original value of 4006
4019 n52.if other assets
8173 number of other assets (N52)
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Last update: February 29, 2000, 5:00pm