Form FR 3059 FR 3059 2010 Survey of Consumer Finances (Sample)

2010 Survey of Consumer Finances

FR3059[1].2010.samplesurvey

Main survey (2010 Survey of Consumer Finances)

OMB: 7100-0287

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SAMPLE

Survey of Consumer Finances

(FR 3059; OMB No. 7100-0287)

Expires December 31, 2008

SURVEY CODEBOOK

NOTE: Data for the pretest and the survey would be collected using a computer program; thus there is no hardcopy version of the questionnaire other than the text of the computer program. For convenience of review, a copy of the preliminary 2007 survey codebook is attached. The wording of the survey questions may be modified somewhat after the results of the 2006 pretest are available, but it is anticipated that such changes would be minor.

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HOUSEHOLD LISTING

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X7504 INTERVIEWER: CHOOSE LANGUAGE TO CONDUCT INTERVIEW IN.

1. *ENGLISH

2. *SPANISH

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

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X7578 INTERVIEWER: ARE YOU CONDUCTING THIS INTERVIEW IN PERSON OR OVER THE

PHONE?

1. *IN PERSON

5. *ON THE PHONE

X7579 INTERVIEWER: PLEASE CONFIRM THAT YOU ARE CONDUCTING THIS INTERVIEW

(ON THE PHONE/IN PERSON)

1. *YES

2. *NO

THIS STATEMENT MUST BE READ TO ALL RESPONDENTS:

This interview is completely voluntary and confidential,

and all the information collected will be used for

statistical purposes only. Because this interview is a

part of the Survey of Consumer Finances, I will be asking a

number of questions that have dollar answers. The most

useful answer is always an exact amount that truly reflects

your situation. However, this is not always possible--you

may not know the figure, or you may not feel comfortable

answering. Because your answers are so important to the

study, I am allowed to collect dollar ranges when no better

information is available. Of course, if there is a

question you cannot answer or do not want to answer, we

will move on at that point. Feel free to consult any

knowledgeable person or use any records and notes at any

time during this interview. And please ask questions

when anything is not clear.

HAND THE INSTITUTIONS CARD TO THE RESPONDENT AND SAY: As

we go through the interview, I will ask you to write a few

things on this card to help keep us on track. At the end

of the interview, I will either leave this card with you or

tear it up, whichever you prefer.

X8000 Original respondent and spouse/partner variables reversed.

THE PERSON REFERRED TO AS THE "HEAD" IN THIS CODEBOOK IS

EITHER THE MALE IN A MIXED-SEX COUPLE OR THE OLDER

INDIVIDUAL IN A SAME-SEX COUPLE. WHERE X8000=1, ALL

VARIABLES IN THE DATA SET THAT ORIGINALLY REFERRED TO

"RESPONDENT" AND "SPOUSE/PARTNER" AND ALL CODES THAT

CONTAIN THE SAME REFERENCES HAVE BEEN REVERSED. THIS

CHANGE IS MADE FOR CONVENIENCE IN PROCESSING THE DATA AND

INDICATES NO JUDGMENT WHATSOEVER ABOUT THE ARRANGEMENTS OF

INDIVIDUAL FAMILIES. THE QUESTION TEXT AND ASSOCIATED

CODES GIVEN HERE HAVE NOT BEEN ALTERED TO USE THE WORD

"HEAD." NO CHANGE IS MADE WHERE THE SPOUSE/PARTNER IS

NOT INCLUDED IN THE INTERVIEW (X100=5).

1. Reversed

5. Not reversed

In the 2004 SCF, the definitions used in determining

whether a spouse or partner is a part of the primary

economic unit changed somewhat from earlier SCFs. Most of

these changes affect small groups of the population. Two

groups account for most of the changes. First, cases where

the respondent intially reports being married, but the

spouse is not there (or it is questionable whether the

spouse is there) and does not share in the finances of the

unit (or it is questionable whether the spouse does so).

The second group is a roughly comparable group of partners.

Where respondents have not been willing to answer questions

about the presence of spouses or partner, default

assumptions were made.

X7019 The following variable summarizes the sets of possible martial

arrangements and specifies the assumption about whether a

spouse or partner is included in the primary economic unit.

The information used in this classification is based on the

answers of the original respondent; when X8000=5, this

information is contained in the first position of the

household listing variables below, and when X8000=1 the

information in the second position was used.

Note that unlike the case with other variables in the main

interview, variables in the initial household listing

describing the respondent's marital status are not imputed.

Initially-reported marital status=MARRIED

1. Spouse there now=YES, Spouse usually there=YES: Spouse

in PEU

2. Spouse there now=YES, Spouse usually there=NO, Have

shared finances=SHARED: Spouse in PEU

3. Spouse there now=YES, Spouse usually there=NO, Have

shared finances=NOT SHARED: Spouse not in PEU

4. Spouse there now=YES, Spouse usually there=NO, Have

shared finances=DK/REF: Q1428, Spouse not in PEU

5. Spouse there now=YES, Spouse usually there=DK/REF:

Spouse in PEU

6. Spouse there now=NO, Spouse usually there=YES, Live

with a partner=YES, Partner usually there=YES: Partner in PEU

7. Spouse there now=NO, Spouse usually there=YES, Live

with a partner=YES, Partner usually there=NO, Have

shared finances=SHARED: Partner in PEU

8. Spouse there now=NO, Spouse usually there=YES, Live

with a partner=YES, Partner usually there=NO, Have

shared finances=NOT SHARED: Neither spouse nor partner in PEU

9. Spouse there now=NO, Spouse usually there=YES, Live

with a partner=YES, Partner usually there=NO, Have

shared finances=DK/REF: Neither spouse nor partner in PEU

10. Spouse there now=NO, Spouse usually there=YES, Live

with a partner=YES, Partner usually there=DK/REF, Have

shared finances=SHARED: Partner in PEU

11. Spouse there now=NO, Spouse usually there=YES, Live

with a partner=YES, Partner usually there=DK/REF, Have

shared finances=NOT SHARED: Neither spouse nor partner in PEU

12. Spouse there now=NO, Spouse usually there=YES, Live

with a partner=YES, Partner usually there=DK/REF, Have

shared finances=DK/REF: Neither spouse nor partner in PEU

13. Spouse there now=NO, Spouse usually there=YES, Live

with a partner=NO: Spouse in PEU

14. Spouse there now=NO, Spouse usually there=YES, Live

with a partner=DK/REF: Spouse in PEU

15. Spouse there now=NO, Spouse usually there=NO, Live with

a partner=YES, Partner usually there=YES: Partner in

PEU

16. Spouse there now=NO, Spouse usually there=NO, Live with

a partner=YES, Partner usually there=NO, Have shared

finances= SHARED: Partner in PEU

17. Spouse there now=NO, Spouse usually there=NO, Live with

a partner=YES, Partner usually there=NO, Have shared

finances= Not SHARED: Neither spouse nor partner in PEU

18. Spouse there now=NO, Spouse usually there=NO, Live with

a partner=YES, Partner usually there=NO, Have shared

finances=DK/REF: Neither spouse nor partner in PEU

19. Spouse there now=NO, Spouse usually there=NO, Live with

a partner=YES, Partner usually there=DK/REF, Have

shared finances= SHARED: Partner in PEU

20. Spouse there now=NO, Spouse usually there=NO, Live with

a partner=YES, Partner usually there=DK/REF, Have

shared finances= Not SHARED: Neither spouse nor partner in PEU

21. Spouse there now=NO, Spouse usually there=NO, Live with

a partner=YES, Partner usually there=DK/REF, Have

shared finances=DK/REF: Neither spouse nor partner in PEU

22. Spouse there now=NO, Spouse usually there=NO, Live with

a partner=NO, Have shared finances= SHARED: Spouse in

PEU

23. Spouse there now=NO, Spouse usually there=NO, Live with

a partner=NO, Have shared finances= Not SHARED: Spouse

not in PEU

24. Spouse there now=NO, Spouse usually there=NO, Live with

a partner=NO, Have shared finances= DK/REF: Spouse not

in PEU

25. Spouse there now=NO, Spouse usually there=NO, Live with

a partner=DK/REF Have shared finances= SHARED:

Spouse in PEU

26. Spouse there now=NO, Spouse usually there=NO, Live with

a partner=DK/REF Have shared finances= Not SHARED:

Spouse not in PEU

27. Spouse there now=NO, Spouse usually there=NO, Live with

a partner=DK/REF Have shared finances= DK/REF: Spouse

not in PEU

28. Spouse there now=DK/REF, Spouse usually there=NO:

Spouse not in PEU

29. Spouse there now=DK/REF, Spouse usually there=YES:

Spouse in PEU

30. Spouse there now=NO, Spouse usually there=DK/REF, Live

with a partner=YES, Partner usually there=YES: Partner in PEU

31. Spouse there now=NO, Spouse usually there=DK/REF, Live

with a partner=YES, Partner usually there=NO, Have

shared finances= SHARED: Partner in PEU

32. Spouse there now=NO, Spouse usually there=DK/REF, Live

with a partner=YES, Partner usually there=NO, Have

shared finances= Not SHARED: Neither spouse nor

partner in PEU

33. Spouse there now=NO, Spouse usually there=DK/REF, Live

with a partner=YES, Partner usually there=NO, Have

shared finances= DK/REF: Neither spouse nor partner in PEU

34. Spouse there now=NO, Spouse usually there=DK/REF, Live

with a partner=YES, Partner usually there=DK/REF, Have

shared finances= SHARED: Partner in PEU

35. Spouse there now=NO, Spouse usually there=DK/REF, Live

with a partner=YES, Partner usually there=DK/REF, Have

shared finances= Not SHARED: Neither spouse nor

partner in PEU

36. Spouse there now=NO, Spouse usually there=DK/REF, Live

with a partner=YES, Partner usually there=DK/REF, Have

shared finances= DK/REF: Neither spouse nor partner in

PEU

37. Spouse there now=NO, Spouse usually there=DK/REF, Live

with a partner=NO, Have shared finances= SHARED: Spouse

in PEU

38. Spouse there now=NO, Spouse usually there=DK/REF, Live

with a partner=NO, Have shared finances= Not SHARED:

Spouse not in PEU

39. Spouse there now=NO, Spouse usually there=DK/REF, Live

with a partner=NO, Have shared finances= DK/REF:

Spouse not in PEU

40. Spouse there now=NO, Spouse usually there=DK/REF, Live

with a partner=DK/REF Have shared finances= SHARED:

Spouse in PEU

41. Spouse there now=NO, Spouse usually there=DK/REF, Live

with a partner=DK/REF Have shared finances= Not SHARED:

Spouse not in PEU

42. Spouse there now=NO, Spouse usually there=DK/REF, Live

with a partner=DK/REF Have shared finances= DK/REF:

Spouse not in PEU

43. Spouse there now=DK/REF, Spouse usually there=DK/REF:

Spouse not in PEU

Initially-reported marital status=LIVING WITH PARTNER

44. Partner usually there=YES: Partner in PEU

45. Partner usually there=NO, Have shared finances=SHARED:

Partner in PEU

46, Partner usually there=NO, Have shared finances=NOT

SHARED: Partner not in PEU

47. Partner usually there=NO, Have shared finances=DK/REF:

Partner not in PEU

48. Partner usually there=DK/REF, Have shared

finances=SHARED: Partner in PEU

49. Partner usually there=DK/REF, Have shared finances=NOT

SHARED: Partner not in PEU

50. Partner usually there=DK/REF, Have shared

finances=DK/REF: Partner not in PEU

Initially-reported marital status=SEPARATED

51. Live with a partner=YES, Partner usually there=YES:

Partner in PEU

52. Live with a partner=YES, Partner usually there=NO, Have

shared finances=SHARED: Partner in PEU

53. Live with a partner=YES, Partner usually there=NO, Have

shared finances=NOT SHARED: Partner not in PEU

54. Live with a partner=YES, Partner usually there=NO, Have

shared finances=DK/REF: Partner not in PEU

55. Live with a partner=YES, Partner usually there=DK/REF,

Have shared finances=SHARED: Partner in PEU

56. Live with a partner=YES, Partner usually there=DK/REF,

Have shared finances=NOT SHARED: Partner not in PEU

57. Live with a partner=YES, Partner usually there=DK/REF,

Have shared finances=DK/REF: Partner not in PEU

58. Live with a partner=NO: No partner in PEU

59. Live with a partner=DK/REF: No partner in PEU

Initially-reported marital status=DIVORCED OR WIDOWED

60. Live with a partner=YES, Partner usually there=YES:

Partner in PEU

61. Live with a partner=YES, Partner usually there=NO, Have

shared finances=SHARED: Partner in PEU

62. Live with a partner=YES, Partner usually there=NO, Have

shared finances=NOT SHARED: Partner not in PEU

63. Live with a partner=YES, Partner usually there=NO, Have

shared finances=DK/REF: Partner not in PEU

64. Live with a partner=YES, Partner usually there=DK/REF,

Have shared finances=SHARED: Partner in PEU

65. Live with a partner=YES, Partner usually there=DK/REF,

Have shared finances=NOT SHARED: Partner not in PEU

66. Live with a partner=YES, Partner usually there=DK/REF,

Have shared finances=DK/REF: Partner not in PEU

67. Live with a partner=NO: No spouse/partner in PEU

68. Live with a partner=DK/REF: no spouse/partner in PEU

Initially-reported marital status=NEVER MARRIED

69. Live with a partner=YES, Partner usually there=YES:

Partner in PEU

70. Live with a partner=YES, Partner usually there=NO, Have

shared finances=SHARED: Partner in PEU

71. Live with a partner=YES, Partner usually there=NO, Have

shared finances=NOT SHARED: Partner not in PEU

72. Live with a partner=YES, Partner usually there=NO, Have

shared finances=DK/REF: Partner not in PEU

73. Live with a partner=YES, Partner usually there=DK/REF,

Have shared finances=SHARED: Partner in PEU

74. Live with a partner=YES, Partner usually there=DK/REF,

Have shared finances=NOT SHARED: Partner not in

PEU

75. Live with a partner=YES, Partner usually there=DK/REF,

Have shared finances=DK/REF: Partner not in PEU

76. Live with a partner=NO: no spouse/partner in PEU

77. Live with a partner=DK/REF: no spouse/partner in PEU

Initially-reported marital status=DK/REF

78. Live with a partner=YES, Partner usually there=YES:

Partner in PEU

79. Live with a partner=YES, Partner usually there=NO, Have

shared finances=SHARED: Partner in PEU

80. Live with a partner=YES, Partner usually there=NO, Have

shared finances=NOT SHARED: Partner not in PEU

81. Live with a partner=YES, Partner usually there=NO, Have

shared finances=DK/REF: Partner not in PEU

82. Live with a partner=YES, Partner usually there=DK/REF,

Have shared finances=SHARED: Partner in PEU

83. Live with a partner=YES, Partner usually there=DK/REF,

Have shared finances=NOT SHARED: Partner not in PEU

84. Live with a partner=YES, Partner usually there=DK/REF,

Have shared finances=DK/REF: Partner not in PEU

85. Live with a partner=NO: no spouse/partner in PEU

86. Live with a partner=DK/REF: no spouse/partner in PEU

X7020 Spouse or partner assumed to be a part of the PEU.

1. No spouse or partner in the PEU

2. Spouse or partner included in the PEU

(X7019 IN (1 2 5 6 7 10 13 14 15 16 19 22 25 29 30 31

34 37 40 44 45 48 51 52 55 60 61 64 69 70 73 78 79 82))

X100 This variables indicates when there is information in the

initial household listing that indicates that the

respondent has a spouse or partner, but that person is not

included as a part of the PEU.

1. Included in Iw

5. Not included in Iw

0. Inap. (Spouse present; legally married and partner

present; absent partner; no spouse/partner)

X101 Number of people in the household according to the HHL.

Excludes people included in the household listing who do

not usually live there and who are financially independent.

Code total # of persons in HHL

11. 11 or more people

NOTE: detailed data (X8020 etc.) are collected on at most

10 people in the household. Respondents who provide

information on 10 people are asked whether there are any

other people in the household; X101 is coded 11 for

respondents who answer this question YES.

NOTE: in some cases, it is not known precisely whether a

spouse or partner is included in the household; in such

cases, an assumption is made and that assumption is

contained in X7020; the determination of X101 relies on

the assumption in X7020.

X7001 Number of people in the primary economic unit.

Code total # of persons

11. 11 or more people

NOTE: in some cases, it is not known precisely whether a

spouse or partner is included in the household; in such

cases, an assumption is made and that assumption is

contained in X7020; the determination of X7001 relies on

the assumption in X7020.

X8020(#1) Before we start the interview, I need to list the people who

X102(#2) live with you and obtain some basic information about each one.

X108(#3) Let's start with you.

X114(#4)

X120(#5) What is the next person's relationship to you?

X126(#6)

X132(#7) CODE RELATIVES OF SPOUSE/PARTNER THE SAME AS R'S RELATIVES.

X202(#8)

X208(#9) 1. *RESPONDENT

X214(#10) 2. *Spouse of R

X220(#11) 3. *Partner of R

4. *Child (in-law) (of R or Spouse/Partner)

5. *Grandchild

6. *Parent

7. *Grandparent

8. *Aunt/uncle

9. *Cousin

10. *Niece/nephew

11. *Sister/brother

12. *Great grandchild

29. *Other relative

31. *Roommate

32. *Friend

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)

NOTE: position #2 contains only spouse/partner information;

in all other cases the #2 position contains all zeroes.

NOTE: position #11 contains non-zero data only in cases

where there were 10 or more people in the household and the

respondent had no spouse/partner.

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FOR THE PUBLIC DATA SET, CODE 12 IS COMBINED WITH

CODE 5; CODES 31, 32 AND 36 ARE COMBINED WITH CODE

39; CODES 9 AND 10 ARE COMBINED WITH CODE 29

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X8021(#1) CODE SEX WITHOUT ASKING. IF NECESSARY, SAY:

X103(#2) (I am required to ask your sex.)

X109(#3)

X115(#4) 1. *Male

X121(#5) 2. *Female

X127(#6) 0. Inap. (No further persons)

X133(#7)

X203(#8)

X209(#9)

X215(#10)

X221(#11)

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X109, X115, X121, X127, X133, X203, X209, X215 AND

X221 NOT INCLUDED IN THE PUBLIC DATA SET

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What is your date of birth?

What is (his/her) date of birth?

X5907(#1) Code month

X6107(#2)

0. Inap. (/no spouse or partner)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

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X7003(#1) Code day of month

X7382(#2)

0. Inap. (/no spouse or partner)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X5908(#1) Code year (4 digits)

X6108(#2)

0. Inap. (/no spouse or partner)

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FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-95

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X8022(#1) FOR THE RESPONDENT, THIS VARIABLE CONTAINS THE DATE-OF-BIRTH

X104(#2) AGE UNLESS HE/SHE REJECTS THAT AGE WHEN ASKED FOR CONFIRMATION

X110(#3) AND PROVIDES ANOTHER AGE (SEE X14 BELOW).

X116(#4)

X122(#5) How old (are you/is [he/she/that person])?

X128(#6) CODE LESS THAN ONE YEAR AS 0.

X134(#7)

X204(#8) Code AGE

X210(#9) 0. Inap. (No further persons)

X216(#10) *********************************************************

X222(#11) FOR THE PUBLIC DATA SET, TOP-CODED AT 95;

X110, X116, X122, X128, X134, X204, X210, X216 AND

X222 NOT INCLUDED IN THE PUBLIC DATA SET

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X14 Respondent: "Reconciled age"

X19 Spouse: "Reconciled age"

IN THE CAPI PROGRAM USED IN THE SURVEY, DESIGNATED Rs

WERE FIRST ASKED THEIR DATE OF BIRTH (X5907/X7003/X5908 OR

X6107/X7382/X6108 DEPENDING ON THE VALUE OF X8000).

THE COMPUTER CALCULATED THEIR AGE AND THEN THE INTERVIEWER

ASKED FOR CONFIRMATION (X7005/X7015). AT THAT POINT, A

RESPONDENT COULD AGREE TO THE COMPUTED AGE, CORRECT THEIR

BIRTH DATE, OR PROVIDE A DIFFERENT AGE (X8022/X104). FOR

THE DESIGNATED R, THIS VARIABLE CONTAINS THE DOB AGE UNLESS

A DIFFERENT AGE WAS REPORTED SUBSEQUENTLY. FOR THE R'S

SPOUSE/PARTNER, ONLY AGE WAS ASKED DURING THE HOUSEHOLD

LISTING AND DATE OF BIRTH WAS ASKED LATER IN THE

QUESTIONNIARE. HOWEVER, THERE WAS NO CONFIRMATION/

RECONCILIATION BUILT INTO THE PROGRAM FOR THE SPOUSE/PARTNER.

THIS AGE VARIABLE WAS USED IN ALL CONVERSIONS OR

CALCULATIONS INVOLVING AGES OF R/S.

Code age

0. Inap. (No further persons)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 95

*********************************************************

X13 Respondent: Age computed from date of birth

X18 Spouse: Age computed from date of birth

(BASED ON X5907/X7003/X5908 OR X6107/X7382/X6108 DEPENDING

ON THE VALUE OF X8000)

Code age

0. Inap. (No further persons)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X7005(#1) So, you are (COMPUTED AGE) years old?

X7015(#2)

(ASKED ONLY OF DESIGNATED RESPONDENT)

1. *YES

3. *NO, FIX BIRTHDATE

5. Missing value for year or month of birth

9. Not asked

0. Inap. (No spouse/partner)

X7006(#3) Is (he/she/that person) 18 or older?

X7007(#4)

X7008(#5) 1. *YES

X7009(#6) 5. *NO

X7010(#7) 0. Inap. (No further persons)

X7011(#8)

X7012(#9)

X7013(#10)

X7014(#11)

X8023(#1) (Are you/Is [RELATIONSHIP] currently married or

X105(#2) living with a partner, separated, divorced,

X111(#3) widowed, or (have you/has [he/she]) never been married?

X117(#4)

X123(#5) (NOTE: if R lives with a partner who is financially

X129(#6) interdependent, this variable is always coded '2' for the

X135(#7) head and partner. The legal marital status of R and of the

X205(#8) partner is given by X7372 and X7018 respectively.)

X211(#9

X217(#10 1. *Married

X223(#11) 2. *Living with a partner

3. *Separated

4. *Divorced

5. *Widowed

6. *Never married

0. Inap. (Person age 17 or less; no further persons)

NOTE: for the person in position #1, this variable

contains the current living arrangement, which is not

necessarily the information reported in the interview.

For example, a respondent may have answered "married" to

this question, but actually be living with a partner; in

this case, the variable has been recoded coded "partner":

such instances may be detected by the fact that J8023=8

and X102=3.

*********************************************************

FOR THE PUBLIC DATA SET (EXCEPT X8023 AND X105), CODES

3 AND 5 ARE COMBINED WITH CODE 4; CODE 2 IS COMBINED

WITH CODE 1

*********************************************************

X7000(#1) Does your (spouse/partner) live with you now?

X7016(#2)

1. *YES

5. *NO

9. Not asked

0. Inap. (No spouse/partner)

X7021(#1) Does your spouse usually live with you?

X7022(#2)

Does your partner usually live with you?

1. *YES

5. *NO

9. Not asked

0. Inap. (Does not initially report being either married

or living with a partner: X8023^=1, 2)

X7002(#1) Do you live with a partner?

X7017(#2)

1. *YES

5. *NO

9. Not asked

0. Inap. (Spouse living there)

X8024(#1) Does (he/she) usually live with you?

X106(#2) (FILLED IN FOR RESPONDENT)

X112(#3)

X118(#4) 1. *YES (incl. R and Spouse/Partner)

X124(#5) 5. *NO

X130(#6) 0. Inap. (Person other than #1/#2 under 18; no further persons)

X136(#7) (NOTE: X8024/X106 and X7021/X7022 may contain different values:

X206(#8) (1) R does not report being married or living with a partner

X212(#9) at X8023, but reports living with a partner at X7002

X218(#10) (2) R reports being married at X8023, but reports living with

X224(#11) a partner at X7002.)

X8098(#1) Do you and your (husband/wife/partner) have shared

X107(#2) finances?

X113(#3)

X119(#4) (ASKED ONLY IF SPOUSE/PARTNER DOES NOT USUALLY LIVE

X125(#5) THERE, OTHERWISE ASSUMED TO BE SHARED FINANCES.)

X131(#6)

X137(#7) Does (RELATIONSHIP) depend on you (and your

X207(#8) [husband/wife/partner]) for most of (his/her)

X213(#9) support or is (he/she) financially independent for

X219(#10) the most part?

X225(#11)

TREAT LIVE-IN SERVANTS AS FINANCIALLY INDEPENDENT.

(THIS QUESTION IS KEY IN DEFINING THE PRIMARY

ECONOMIC UNIT--SEE INTRODUCTION. A SPOUSE/PARTNER

WHO LIVES THERE AT THE TIME OF THE INTERVIEW OR WHO

USUALLY LIVES THERE IS ASSUMED TO BE FINANCIALL

INTERRELATED WITH THE R. SIMILARLY, CHILDREN UNDER

THE AGE OF 18 ARE ALSO ASSUMED TO BE FIANCIALLY

DEPENDENT ON THE R, EVEN THOUGH IT IS POSSIBLE THAT

SOME CHILDRENT OF PEOPLE OUTSIDE THE PEU MAY BE

INCLUDED BY THIS RULE.)

1. FINANCIALLY DEPENDENT/SHARED FINANCES (TRIVIALLY FOR R)

5. FINANCIALLY INDEPENDENT/NOT SHARED FINANCES

0. Inap. (No further persons)

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FINANCIAL INSTITUTIONS

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

As we go through the interview, I will be asking you about

various kinds of financial matters--sometimes just for you,

but usually for you and your family living here. By "your

family living here" I mean only the following people...

X301 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

X302 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

X7100 IN PERSON VERSION:

(SHOW CARD 1)

When making major decisions about credit or borrowing, some

people shop around for the very best terms while others don't.

What number would (you/your family) be on the scale?

TELEPHONE VERSION:

On a scale from one to five, where one is almost no

shopping, three is moderate shopping, and five is a great

deal of shopping, where would (you/your family) be on the scale?

IF R SAYS "I DON'T BORROW", SAY: What did you do the last

time you borrowed?

1. *ALMOST NO SHOPPING

3. *MODERATE SHOPPING

5. *A GREAT DEAL OF SHOPPING

NOTE: CARD 1 contains the following information:

The numbers 1 through 5 in a horizonal row bounded by dark

lines. Below 1 is printed "Almost no shopping"; below 3

is printed "Moderate shopping"; and below 5 is printed "A

great deal of shopping." Nothing is printed below 2 and 4.

X7101 IN PERSON VERSION:

X7102 (SHOW CARD 2)

X7103 Please look at this list.

X7104 What sort of information do you (and your

X7105 [husband/wife/partner]) use to make decisions about credit or

X7106 borrowing? (Do you call around, read newspapers,

X7107 magazines, material you get in the mail, use information

X7108 from television, radio, the Internet or

X7109 advertisements? Do you get advice from a friend, relative,

X7110 lawyer, accountant, banker, broker, or financial planner?

X6849 Or do you do something else?)

X6861

X6862 TELEPHONE VERSION:

X6863 What sort of information do you (and your

X6864 [husband/wife/partner]) use to make decisions about credit or

borrowing? Do you call around, read newspapers,

magazines, material you get in the mail, use information

from television, radio, the Internet or

advertisements? Do you get advice from a friend, relative,

lawyer, accountant, banker, broker, or financial planner?

Or do you do something else?

CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN.

1. *CALL AROUND

2. *MAGAZINES/NEWSPAPERS; books

3. *MATERIAL IN THE MAIL

4. *TELEVISION/RADIO

5. *INTERNET/ONLINE SERVICE

6. *ADVERTISEMENTS

7. *FRIEND/RELATIVE

8. *LAWYER

9. *ACCOUNTANT

10. *BANKER

11. *BROKER

12. *FINANCIAL PLANNER

13. *SELF (NOT SHOWN ON CARD); spouse/partner

14. *NEVER BORROW

16. Don't shop around; always use same institution

17. Past experience

18. Material from work/business contacts

19. Other personal research

20. Real estate broker; builder

21. Other institutional source (e.g., college, social service

agency, etc.)

22 Shop around

23. Store; dealer

24. Insurance agent

32. Telemarketer

-7. *OTHER

X7111 IN PERSON VERSION:

(SHOW CARD 1)

When making major saving and investment decisions, some

people shop around for the very best terms while others don't.

What number would (you/your family) be on the scale?

TELEPHONE VERSION:

When making major saving and investment decisions, some

people shop around for the very best terms while others don't.

On a scale from one to five, where one is almost no

shopping, three is moderate shopping, and five is a great

deal of shopping, where would (you/your family) be on the scale?

1. *ALMOST NO SHOPPING

3. *MODERATE SHOPPING

5. *A GREAT DEAL OF SHOPPING

NOTE: See X7100 for a description of CARD 1.

X7112 IN PERSON VERSION:

X7113 (SHOW CARD 2)

X7114 Please look at this list.

X7115 How do you (and your [husband/wife/partner])

X7116 make decisions about saving and investments? (Do you call

X7117 around, read newspapers, magazines, material you get in the

X7118 mail, use information from television, radio, the Internet

X7119 or advertisements? Do you get advice from a friend,

X7120 relative, lawyer, accountant, banker, broker, or

X7121 financial planner? Or do you do something else?)

X6865

X6866 TELEPHONE VERSION:

X6867 What sort of information do you (and your

X6868 [husband/wife/partner]) use to make decisions about saving and

X6869 investments? (Do you call around, read newspapers,

magazines, material you get in the mail, use information

from television, radio, the Internet or advertisements?

Do you get advice from a friend, relative, lawyer, accountant,

banker, broker, or financial planner? Or do you do something else?)

CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN.

1. *CALL AROUND

2. *MAGAZINES/NEWSPAPERS; books

3. *MATERIAL IN THE MAIL

4. *TELEVISION/RADIO

5. *INTERNET/ONLINE SERVICE

6. *ADVERTISEMENTS

7. *FRIEND/RELATIVE

8. *LAWYER

9. *ACCOUNTANT

10. *BANKER

11. *BROKER

12. *FINANCIAL PLANNER

13. *SELF (NOT SHOWN ON CARD); spouse/partner

14. *DO NOT SAVE/INVEST

16. Don't shop around; always use same institution

17. Past experience

18. Material from work/business contacts

19. Investment club

20. Investment seminars

21. Other personal research

22. Shop around

23. Store; dealer

24. Insurance agent

32. Telemarketer

-7. *OTHER

X6497 Do you or your (husbans/wife/partner) use any type of computer

software to help you with managing your money?

Do you use any type of computer software to help you with

managing your money?

1. *YES

5. *NO

X305 The next few questions are about the financial

institutions where you do business.

With how many financial institutions do you 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.

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.

X8300 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 CAPI program returned to the institution

questions for the added institutions. In some cases,

interviewers failed to enter the new instituion properly,

so the followup questions were not generated by the CAPI

program. X8300 takes the originally reported value of X305

as its base and adds additional institutions whenever a

commercial bank, savings and loan, credit union, or

brokerage was reported without an initial link to the

institution data. Where more there were more than the 6

institutions on which detailed information was collected,

the total number of institutions was augmented and stored

in X8300. In cases where any of the first seven institutions

have been inferred from an interviewer error, the detailed

information (location and how R does business) has been

imputed.

Code NUMBER

-1. NONE

Institutions were enumerated by name, and the name was used

as a text fill later in the interview when, e.g., the R was

asked to identify the institution where the main checking

account was held. To protect the privacy of respondents,

this variable was not retained in the data set.

(What is the name of this financial institution?/

What is the name of the financial institution where you do

the most business?/What is the name of the financial

institution where you and your family living here do the

most business?)

[What is the name of the financial institution where you do

the (second/third/fourth/fifth/sixth/seventh) most business?/

What is the name of the financial institution where you and

your family living here do the (second/third/fourth/fifth/

sixth/seventh) most business?

IF R ASKS WHY WE NEED THE NAME, SAY: I only need to put

the name in the computer for the wording of some questions

later in the interview. Please feel free to call it

anything you like that you will recognize when we come to

it again.

Once the program had generated questions about the number

of institutions specified by X305, the program asked:

Do you have any other financial institutions which we have not

listed yet?

(Have you included all your accounts?/Have you included the

accounts for all the people in your household?)

If the R recalled an additional account, the program was

set up to augment the list of institutions until the

respondent said there were no more.

If X305 contained a value that indicated that there were

accounts, but the number was a missing value, the R was

asked:

X308(#1) IN PERSON VERSION:

X312(#2) (SHOW CARD 3)

X316(#3) About (name of institution), what kind of

X320(#4) institution is this? (Is it a commercial bank, a savings

X324(#5) and loan or savings bank, a credit union, a mortgage

X328(#6) company, a finance or loan company, a brokerage, or what?)

X332(#7)

TELEPHONE VERSION:

About (name of institution), what kind of

institution is this? Is it a commercial bank, a savings

and loan or savings bank, a credit union, a mortgage

company, a finance or loan company, a brokerage, or what?

(If R added institutions during the interview, the CAPI

program generated the detailed questions on those

institutions after the section on financial assets was

completed.)

MASTER INSTITUTION LIST

11. *COMMERCIAL BANK; trust company

12. *SAVINGS AND LOAN OR SAVINGS BANK

13. *CREDIT UNION

14. *FINANCE OR LOAN COMPANY

15. Store or dealer; utility company

16. *BROKERAGE; "mutual fund," "hedge fund", n.f.s.; also

include general financial service companies that have

group membership restrictions (e.g., TIAA/CREF)

17. Insurance company

18. *MORTGAGE COMPANY; mortgage broker

19. Contractor or developer; trailer park owner

20. Prior owner

21. Automobile finance company; GMAC, Ford Credit

22. Doctor or hospital; dentist; veterinarian

23. Lawyer

24. Accountant

25. Employer; former employer

26. Friend or Relative (not codeable above)

27. Individual Lender/Advisor (not codeable above)

28. Pension Administrator

29. "Broad financial services company" n.e.c.

30. Internet-based businesses, n.e.c. (note: excludes code 101)

31. Real estate (investment) company; includes land trusts

32. School/college/university

33. Local/county/state government (except Courts code 42)

34. Special federal government agency; FMHA, SBA, VA, FHA, HUD, NDSL

35. Federal government general or NA agency; IRS

36. Fiduciary/advisor, n.e.c.

37. Self/spouse/partner (manages own trust)

38. Bank or general purpose credit card company; Visa,

Carte Blanche, Master Card (except American Express code 51)

39. Union

40. Church

41. American Association of Retired Persons (AARP)

42. Courts

43. Collection agency; loan liquidator

44. Cooperative organization; "co-op"; agricultural

cooperative lending associations (FCS)

45. Specialized education lender, n.e.c.

46. Family trust; trust fund

47. Fraternal organization

50. Discover card/Novus (for X415 etc. only; "Sears" only,

use code 15)

51. American Express/Optima card

52. AT&T card

53. Gasoline company

56. Leasing company

57. Airline

61. Other membership organization; AAA, NEA, NTA (X415 etc. only)

62. Tribal and similar organizations

75. Foreign institution type

80. Direct student loan, n.e.c. (include references to Stafford,

Perkins, Ford, etc. student loans when a more specific

institution reference is not available).

81. Nonprofit credit counseling service

85. Ex-spouse

92. Money market (mutual) funds, n.f.s.

93. Farm-related lenders (not codeable above)

94. Investment/management companies or consultants, n.e.c.;

include specialized institutions providing private banking

and investment services to individuals

95. Non-financial institution (except codes 40-42 and 61)

101. Internet-based bill paying service

-1. Combinations of TYPES of financial institutions

-7. *OTHER

0. Inap. (no institutions: X8300=-1/fewer than 2

institutions: X8300<2/fewer than 3 institutions: X8300<3/

fewer than 4 institutions: X8300<4/fewer than 5

institutions: X8300<5/fewer than 6 instiutions:

X8300<6/fewer than 7 institutions:X8300<7)

*********************************************************

FOR THE PUBLIC DATA SET, CODES 42, 43 AND 81 ARE

COMBINED WITH CODE 95; CODES 39, 40, 41, AND 62 ARE

COMBINED WITH CODE 61; CODES 23 AND 36 ARE COMBINED

WITH CODE 24; CODES 33 AND 34 ARE COMBINED WITH CODE

35; CODES 50, 51, 52, AND 53 ARE COMBINED WITH CODE

38; CODE 29 IS COMBINED WITH CODE 11; CODE 101 IS

COMBINED WITH CODE 30

*********************************************************

NOTE: CARD 3 was available to the interviewer. This card

contains the following in a vertical column: "Commercial

Bank," "Savings and Loan or Savings Bank," "Credit Union,"

"Finance or Loan Company," "Brokerage," and "Other."

NOTE: Throughout the codebook, there are variable which

are labeled "Recode: type of institution". In these

locations, the preceding question asks the respondent

whether the institution where a loan/account is held is

the same as one of the ones originally recorded in the

sequence here. If it was one of these, the interviewer

entered a link to the appropriate institution. If it was a

new institution and there were fewer than seven institutions

already listed, the interviewer was instructed to follow a

procedure to add the institution to the existing list of

institutions. Once seven institutions were recorded in the

list, the interviewer could either link to an institution

that had already been recorded or code an institution type

(e.g., commercial bank). For the cases where a link was

made to one of the listed institutions, the recode

variable contains a code for the institution type obtained

from matching to the sequence of variables described here.

Where the institution was one that was outside the scope of

the list, the recode variable contains a code for the

institution type as asked directly from the respondent.

NOTE: Examination of the data suggests that a relatively

small number of respondents reported that their mortgage

institution was a finance company and some others reported

that it was a brokerage. Examination of the name of the

institution, which is available for most cases in a

non-public internal data set, suggests that the respondent

misclassified a mortgage company or mortgage broker.

X7035(#1) Does this institution have offices in more than one state?

X7037(#2)

X7039(#3) 1. *YES

X7041(#4) 5. *NO

X7043(#5) 0. Inap. (no institutions: X8300=-1/fewer than 2

X7045(#6) institutions: X8300<2/fewer than 3 institutions: X8300<3/

X7047(#7) fewer than 4 institutions: X8300<4/fewer than 5

institutions: X8300<5/fewer than 6 instiutions:

X8300<6/fewer than 7 institutions:X8300<7)

Institution 1: X6600 X6601 X6602 X6603 X6604 X6605 X6606 X6607

X6870 X6871 X6872 X6873

Institution 2: X6608 X6609 X6610 X6611 X6612 X6613 X6614 X6615

X6874 X6875 X6876 X6877

Institution 3: X6616 X6617 X6618 X6619 X6620 X6621 X6622 X6623

X6878 X6879 X6880 X6881

Institution 4: X6624 X6625 X6626 X6627 X6628 X6629 X6630 X6631

X6882 X6883 X6884 X6885

Institution 5: X6632 X6633 X6634 X6635 X6636 X6637 X6638 X6639

X6886 X6887 X6888 X6889

Institution 6: X6640 X6641 X6642 X6643 X6644 X6645 X6646 X6647

X6890 X6891 X6892 X6893

Institution 7: X6656 X6657 X6658 X6659 X6660 X6661 X6662 X6663

X6894 X6895 X6896 X6897

IN PERSON VERSION:

(SHOW CARD 4)

What are the main ways (you do/your family

does) business with this institution [-by checks written on

the institution, by ATM (cash machine), by debit card, in

person, by mail, by talking with someone on the phone, by

touchtone service on the phone, by direct payment to or

from the institution, by computer or the Internet, by other

electronic transfer, or some other way]? Please start with

the most important way.

TELEPHONE VERSION:

What are the main ways (you do/your family

does) business with this institution [-by checks written on

the institution, by ATM (cash machine), by debit card, in

person, by mail, by talking with someone on the phone, by

touchtone service on the phone, by direct payment to or

from the institution, by computer or the Internet, by other

electronic transfer, or some other way]? Please start with

the most important way.

CODE ALL THAT APPLY: CODE MAIN METHOD FIRST AND REMAINDER

IN ORDER GIVEN.

1. *ATM/CASH MACHINE/DEBIT CARD

2. *IN PERSON

3. *MAIL

4. *PHONE - TALKING

5. *DIRECT PAYMENT/DIRECT DEPOSIT TO INST

6. *DON'T DO REGULAR BUSINESS

7. *PHONE - USING TOUCHTONE SERVICE

8. *DIRECT PAYMENT/DIRECT WITHDRAWAL FROM INST

9. *OTHER ELECTRONIC TRANSFER

10. *CHECK WRITTEN ON INSTITUTION; n.f.s.

11. R's agent or manager; personal banker; go-between

(this is a broad category that encompasses both

formal and informal relationships)

12. *COMPUTER/INTERNET/ONLINE SERVICE/email

30. Fax Machine

33. Credit card

-7. *OTHER

0. Inap. (no institutions: X8300=-1/fewer than 2

institutions: X8300<2/fewer than 3 institutions: X8300<3/

fewer than 4 institutions: X8300<4/fewer than 5

institutions: X8300<5/fewer than 6 instiutions:

X8300<6/fewer than 7 institutions:X8300<7)

X310(#1) Roughly, how many miles is the office or ATM (cash machine)

X314(#2) of this institution from the home or workplace of the person

X318(#3) who uses it most often?

X322(#4)

X326(#5) IF R ASKS: WE WANT THE CLOSER OF THE DISTANCE FROM HOME OR

X330(#6) WORKPLACE.

X334(#7)

(Is it more than 50 miles?)

USE "OVER 50 MILES," "FOREIGN LOCATION", "TOLL-FREE PHONE",

"LOCAL POST BOX" OR "INTERNET" ONLY IF R CANNOT GIVE AN

ESTIMATE OF THE NUMBER OF MILES.

Code number of miles

51. *OVER 50 MILES

992. *FOREIGN LOCATION

-1. *LESS THAN A MILE

-2. *LOCATED AT WORK

-3. *TOLL-FREE PHONE

-4. *LOCAL POST BOX

-5. *INTERNET/ONLINE SERVICE

0. Inap. (no institutions: X8300=-1/fewer than 2

institutions: X8300<2/fewer than 3 institutions: X8300<3/

fewer than 4 institutions: X8300<4/fewer than 5

institutions: X8300<5/fewer than 6 instiutions:

X8300<6/fewer than 7 institutions:X8300<7)

X306 Do you (or your family living here) have a card that allows

you to deposit or withdraw money from this institution

(any of these institutions) using a cash machine or ATM?

1. *YES

5. *NO

0. Inap. (no institutions: X8300=-1)

WE CARE ABOUT WHETHER R HAS SUCH A CARD, NOT WHETHER R

USES IT.

X7582 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.

Do you use any debit cards?

Does your family use any debit cards?

INTERVIEWER: WE CARE ABOUT USE, NOT WHETHER R HAS A DEBIT CARD.

INCLUDE ATM CARDS USED AS DEBIT CARDS AS WELL AS

VISA/MASTERCARD DEBIT CARDS.

1. *YES

5. *NO

0. Inap. (no institutions: X8300=-1)

X7122 Some people have their paychecks or Social Security

benefits or other money automatically paid directly into

their accounts.

(Do you have any money directly deposited into your account?/

Do you have any money directly deposited into one of your

accounts?/

Do you or someone in your family living here have any money

directly deposited into your family's account?/

Do you or someone in your family living here have any money

directly deposited into one of your family's accounts?)

(IF R ASKS, DO NOT INCLUDE INTEREST PAID ON THE ACCOUNT.)

1. *YES

5. *NO

0. Inap. (no institiutions: X8300=-1)

What kinds of deposits are these?

CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN.

X7123 *PAYCHECK; OTHER INCOME FROM WORK (e.g., consulting fees);

reimbursements for work expenses

X7124 *SOCIAL SECURITY; RAILROAD RETIREMENT

X6858 Pension or other retirement income; IRA/Keogh withdrawals;

annuity income

X6859 Royalties and other investment income, n.e.c.; trust income

1. Checked

5. Not checked

0. Inap. (no institutions, no automatic deposit: X7122=(0, 5))

X7125 *OTHER

4. Disability payments; VA disability benefits

6. Supplemental Security Income (SSI) and other types of welfare

7. Automatic transfers TO THIS account FROM ANOTHER of

R's accounts

8. Automatic payments on loans made by R (i.e., loans

from which R receives income)

10. Alimony/support; other support from family members

13. Insurance reimbursement

15. Tax refund

16. Government payments (not classified elsewhere)

17. Periodic settlement of legal claim, estate, lottery,

or other such obligation, n.e.c.

18. Reimbursement from "flexible spending account"

22. Disbursements from loans

-7. Other

5. Not checked

0. Inap. (no institutions, no automatic deposit: X7122=(0, 5))

X7126 Some people have their utility or insurance bills, mortgage

or rent payments, or other payments automatically deducted

from their accounts without having to write a check.

(Do you have any payments that you make in this way?/

Do you and your family living here have any payments that

you make in this way?)

DO NOT INCLUDE PAYROLL DEDUCTIONS, SUCH AS DEDUCTIONS FOR

HEALTH INSURANCE.

1. *YES

5. *NO

0. Inap. (no accounts: X8300=-1)

What sorts of payments are these?

CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN.

X7127 *UTILITY BILLS

X7128 *MORTGAGE/RENT

X6790 *INSURANCE

X6854 Automatic transfers FROM THIS account TO ANOTHER of R's

accounts/investments

X6855 Other payments of irregular bills (e.g., credit card bills)

X6856 Car loans; other non-mortgage loan payments (except

credit cards)

1. Checked

5. Not checked

0. Inap. (no accounts, no pre-auth. debits: X7126=(0, 5))

X7129 *OTHER

X6857

X6860 4. Condominium/Coop fees

6. Lease payments

9. Cable, satellite TV/radio; newspapers; magazines

10. Gifts to charities/non-profits

11. Tuition

12. Health/sports club; YMCA/YWCA/YMHA/YWHA; membershsip

fees, n.e.c.

14. Alimony/support; other transfers to family members

17. Security system; garbage fees; other regular home

maintenance fees; housekeeper

18. Safety deposit box; other storage

19. Internet provider payment

20. Tax payments

25. Motor vehicle toll/parking pass/navigation

system/other vehicle-specific charges

26. Payment to household employees

-7. Other regular payments

5. Not checked

0. Inap. (no accounts, no pre-auth. debits: X7126=(0, 5))

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

CREDIT ATTITUDES AND CREDIT CARDS

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

X401 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?

IF R SAYS THEY DO NOT NEED TO BORROW FOR ANYTHING, SAY:

What do you think in general?

1. *Good idea

3. *GOOD IN SOME WAYS, BAD IN OTHERS

5. *Bad idea

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...

X402 first, to cover the expenses of a vacation trip?

X403 next, to cover living expenses when income is cut?

X404 next, to finance the purchase of a fur coat or jewelry?

X405 next, to finance the purchase of a car?

X406 finally, to finance educational expenses?

1. *YES

5. *NO

X7131 [Have you and your (husband/wife/partner) applied for any

type of credit or loan in the last five years?/

Have you applied for any type of credit or loan in the last

five years?]

INCLUDE PRE-APPROVED CREDIT THAT R ACCEPTED.

1. *YES

5. *NO

X407 [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?/

In the past five years, has a particular lender or creditor

turned down any request you made for credit, or not given

you as much credit as you applied for?]

(PROBE: Turned down, or not as much credit?)

IF TURNED DOWN AND NOT AS MUCH CREDIT, ASK WHICH IS MORE RECENT.

1. *Yes, turned down

3. *Yes, not as much credit

5. *No

0. Inap. (no credit application in previous 5 years: X7131=5)

X408 [Were you later able to obtain the full amount you or your

(husband/wife/partner) requested by reapplying to the same

institution or by applying elsewhere?/

Were you later able to obtain the full amount you requested

by reapplying to the same institution or by applying elsewhere?]

1. *YES

3. *Did Not Reapply

5. *NO

0. Inap. (no credit application in previous 5 years: X7131=5;

not turned down: X407=5)

X7585 [On the most recent occasion, what reasons were you or your

(husband/wife/partner) (given for being turned down for

credit?/given for being unable to get as much credit as you

applied for?)/

On the most recent occasion, what reasons were you given for

(being turned down for credit?/being unable to get as much

credit as you applied for?)]

Personal Characteristics of Borrower

50. Family background/life history; who your parents

(relatives) are

51. Family size; number of children or dependents

52. Marital status

53. Sex

54. Combination of marital status and sex, "single men",

"married women"

55. Age

56. Race

57. Personal character/reputation, whether borrower is

stable, honest; known by other people trusted by institution

58. Health

59. Other personal characteristics of borrower

Credit Characteristics of Borrower

61. Need to have a checking/savings account (at institution)

62. Haven't established a credit history

63. Credit rating service/credit bureau reports

64. Credit records/history from other institution; other

loans or charge account; previous payment records; bankruptcy

65. Lack of/not enough assets/collateral/property to secure

the loan (except home ownership, code 74); size of down

payment; financial status

66. Amount of debt; size of other payments; ability to repay loan

67. Insufficient credit references

69. Other credit characteristics of borrower

Financial Characteristics of Borrower

70. Bad Credit, NEC

71. Time on current job

72. Job; type of work; steady/secure employment; good job

73. Lack of job; not working; on welfare

74. Lack of homeownership

75. Time at current address; time in community or state

76. Amount of income; "income"

77. Source of income; retired

78. Where you live; what type of neighborhood/area of city

you live in; if you live in the state/county

79. Other financial characteristics of borrower

Miscellaneous

81. Lack of familiarity/experience of lender with R; don't have an

account there; I'm not a credit union member

82. Previous bad experience, n.e.c.; had difficulty/been

turned down NA why

83. Institution is more "strict" in lending requirements,

NA in what areas

86. Not eligible for special type of credit (e.g.,

subsidized education loan)

87. "Discrimination"; references to red-lining, NA basis

88. Inconvenient/difficult (not codable above)

89. Other miscellaneous

90. Didn't approve of purpose for which money was to be borrowed

91. Loan was too large for source to handle; source doesn't

have much money to lend; money reserves of source are low

92. Interest

93. Insufficient collateral/equity

94. Loan too small

95. Unclear title

101. Error in credit report

102. Credit problems of ex-spouse

103. Characteristics of the collateral, n.e.c (e.g., too

many rental units in a condominium)

104. Error in processing application

105. Identity theft

-1. None; no reason was given; "bank policy

-7. Other, n.e.c.

0. Inap. (no credit application in previous 5 years: X7131=5;

not turned down: X407=5)

*********************************************************

FOR THE PUBLIC DATA SET, CODE 105 IS COMBINED

WITH CODE 101

*********************************************************

X7584 What type of credit did you apply for?

1. *Mortgage

2. *Car loan; other vehicle loan

3. *Other installment loan

4. *Credit Card

6. Store account

17. Equity loan

18. Business/Investment loan

19. *Line of credit

20. Personal loan

21. Consolidation loan

22. Student loan

23. Home improvement loan (except for code 17)

24. Construction loan, n.e.c.

-7. *Other

0. Inap. (no credit application in previous 5 years: X7131=5;

not turned down: X407=5)

X409 [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?/

Was there any time in the past five years that you thought

of applying for credit at a particular place, but changed

your mind because you thought you might be turned down?0

1. *YES

5. *NO

X7583 [On the most recent occasion, why did you or your

(husband/wife/partner) think you might be turned down?/

On the most recent occasion, why did you think you might be

turned down?]

Personal Characteristics of Borrower

50. Family background/life history; who your parents

(relatives) are

51. Family size; number of children or dependents

52. Marital status

53. Sex

54. Combination of marital status and sex, "single men",

"married women"

55. Age

56. Race

57. Personal character/reputation, whether borrower is

stable, honest; known by other people trusted by institution

58. Health

59. Other personal characteristics of borrower

Credit Characteristics of Borrower

61. Need to have a checking/savings account (at institution)

62. Haven't established a credit history

63. Credit rating service/credit bureau reports

64. Credit records/history from other institiuon; other

loans or charge account; previous payment records;

bankruptcy

65. Lack of/not enough assets/collateral/property to secure

the loan (except home ownership, code 74); size of down

payment; financial status

66. Amount of debt; size of other payments; ability to repay loan

67. Insufficient credit references

69. Other credit characteristics of borrower

Financial Characteristics of Borrower

70. Bad Credit, NEC

71. Time on current job

72. Job; type of work; steady/secure employment; good job

73. Lack of job; not working; on welfare

74. Lack of homeownership

75. Time at current address; time in community or state

76. Amount of income; "income"

77. Source of income; retired

78. Where you live; what type of neighborhood/area of city

you live in; if you live in the state/county

79. Other financial characteristics of borrower

Miscellaneous

81. Lack of familiarity/experience of lender with R; don't have an

account there; I'm not a credit union member

82. Previous bad experience, n.e.c.; had difficulty/been

turned down NA why

83. Instutution is more "strict" in lending requirements,

NA in what areas

86. Not eligible for special type of credit (e.g.,

subsidized education loan)

87. "Discrimination"; references to red-lining, NA basis

88. Inconvenient/difficult (not codable above)

89. Other miscellaneous

90. Didn't approve of purpose for which money was to be borrowed

91. Loan was too large for source to handle; source doesn't

have much money to lend; money reserves of source are low

92. Interest

93. Insufficient collateral/equity

94. Loan too small

95. Unclear title

101. Error in credit report

102. Credit problems of ex-spouse

103. Characteristics of the collateral, n.e.c (e.g., too

many rental units in a condominium)

104. Error in processing application

105. Identity theft

-1. None; no reason was given; "bank policy"

-7. Other, n.e.c.

0. Inap. (did not expect to be turned down: X409=5)

*********************************************************

FOR THE PUBLIC DATA SET, CODE 105 IS COMBINED

WITH CODE 101

*********************************************************

X410 Now I have some questions about credit cards and charge cards.

(Do you have any credit cards or charge cards?/

Do you or anyone in your family living here have any credit

cards or charge cards?)

IF YES: Please do not include debit cards.

DO NOT INCLUDE CARDS USED ENTIRELY FOR BUSINESS.

1. *YES

5. *NO

X7973(#1) (Are any of the cards you have any type of/

Are any of the cards you and your family living here have

any type of) Visa, Mastercard, Discover, or American

Express cards you can pay off over time?

DO NOT INCLUDE REGULAR AMERICAN EXPRESS CHARGE CARDS.

X7974(#2) (Are any of the cards you have/

Are any of the cards you and your family living here have)

Macy's, Sears, Wal-Mart, furniture, clothing and other store cards?

X7975(#3) (Are any of the cards you have/

Are any of the cards you and your family living here have)

gasoline cards such as Shell or Exxon?

X7976(#4) (Are any of the cards you have/

Are any of the cards you and your family living here have)

American Express, Diners Club, or Carte Blanche cards?

INCLUDE AMERICAN EXPRESS CHARGE (NOT CREDIT) CARDS.

X7977(#5) (Do you have/Do you and your family living here) have any

other type of credit card?

IF YES: Please do not include telephone calling cards or

gift cards.

1. *YES

5. *NO

0. Inap. (no credit cards: X410=5)

X411(#1) How many?

X419(#2) Please do not count duplicate cards for the same account or

X422(#3) any business or company accounts.

X425(#4)

X428(#5) Code number

-1. None

0. Inap. (no credit cards: X410=5; no cards of type)

*********************************************************

FOR THE PUBLIC DATA SET, THE NUMBER OF #1/2 CARDS IS

TOP-CODED AT 10, #3/4/5 CARDS ARE TOP-CODED AT 5

*********************************************************

X412(#1) (On your last bills, roughly how much were the new charges

X420(#2) made to these accounts?/

X423(#3) On your last bill, roughly how much were the new charges

X426(#4) made to this account?)

X429(#5)

IF R DID NOT RECEIVE A BILL LAST MONTH, CODE ZERO.

Code amount

-1. None

0. Inap. (no credit cards: X410=5; no cards of type)

X413(#1) (After the last payments were made on these accounts,

X421(#2) roughly what was the balance still owed on these accounts?/

X424(#3) After the last payment was made on this account, roughly

X427(#4) what was the balance still owed on this account?)

X430(#5)

WE WANT THE TOTAL AMOUNT OWED, NOT THE MINIMUM PAYMENT.

CODE ZERO IF ALL ACCOUNTS WERE PAID IN FULL.

Code amount

-1. None

0. Inap. (no credit cards: X410=5; no cards of type)

X414(#1) (What is the maximum amount you could borrow on all of these

accounts; that is, what is your total credit limit?/

What is the maximum amount you could borrow on this account;

that is, what is your total credit limit?)

Code amount

-1. No limit

0. Inap. (no credit cards: X410=5; no cards of type)

X7132(#1) What interest rate do you pay on the card where you have

the largest balance?

What is the interest rate on the card you got most recently?

What interest rate do you pay on this card?

INTERVIEWER: WE WANT TO KNOW THE RATE THAT R PAYS ON NEW

BALANCES.

IF RATE IS FOR A LIMITED-TIME, MAKE AN [F2] COMMENT.

Code percent * 100

-1. No interest

0. Inap. (no credit cards: X410=5; no cards of type)

(#1) only: X415 X416 X417 X418 X7500 X6648 X6649 X6720

Please look at the list of institutions you wrote down.

(Is this/Are these) credit cards with any of the

institutions on the list, or from someplace else?

IF INSTITUTIONS LIST: Which institution?

IF "SOMEPLACE ELSE": (What institution is that?/

What type of institution is that?)

Please look at the Institutuions Card. (Is this/Are these)

credit cards with any of the institutions on the list,

or from someplace else?

IF INSTITUTIONS CARD: Which institution?

IF "SOMEPLACE ELSE": (What institution is that?/

What type of institution is that?)

CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN.

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (no credit cards: X410=5; no cards of type)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMMERICAL BANK; trust company

12. *S&L/SAVINGS BANK

13. *CREDIT UNION

15. *STORE OR OTHER BUSINESS

50. *DISCOVER/NOVUS

51. *AMERICAN EXPRESS (OPTIMA/BLUE/PAY OVER TIME)

53. *GASOLINE COMPANY

61. *MEMBERSHIP ORG.

-7. *OTHER

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

(#1) only: X9082 X9151 X9152 X9153 X9202 X9216 X9221 X9222

Recode: type of insitution

See MASTER INSTITIUTION LIST for codes (See X308)

0. Inap. (no credit cards: X410=5; no cards of type)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X432 Thinking only about Visa, Mastercard, Discover, American

Express cards you can pay off over time, and store cards,

do you almost always, sometimes, or hardly ever pay off the

total balance owed on the account each month?

1. *Always or almost always

3. *Sometimes

5. *Hardly ever

0. Inap. (no credit cards: X410=5; no #1 or #2 cards)

X7577 (Other than the store accounts where you have credit cards,

do you have any charge or revolving charge accounts at

stores where you owed money after your last payment?/

Other than the store accounts where you have credit cards,

do you or your family living here have any charge or

revolving charge accounts at stores where you owed money

after your last payment?/

Do you have any charge or revolving charge accounts at

stores where you owed money after your last payment?/

Do you or your family living here have any charge or

revolving charge accounts at stores where you owed money

after your last payment?)

DO NOT INCLUDE ACCOUNTS WHERE R DOES NOT OWE MONEY.

1. *YES

5. *NO

X7576 (How many such accounts do you have where you owe money?/

How many such accounts do you or your family living here

have where you owe money?)

Code number

0. Inap. (no accounts: X7577=5)

X7575 (After the last payments were made on these accounts, what

was the balance still owed on all these accounts?/

After the last payment was made on this account, what was

the balance still owed on this account?)

WE WANT THE TOTAL AMOUNT OWED, NOT THE MINIMUM PAYMENT.

Code amount

-1. None

0. Inap. (no accounts: X7577=5)

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

PRINCIPAL RESIDENCE

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

X501 INTERVIEWER CHECKPOINT: WHERE DOES R LIVE?

4. *R LIVES ON A RANCH

5. *R LIVES ON A FARM

2. *R LIVES IN A MOBILE HOME/RV

3. *R LIVES IN HOUSE/TOWNHOUSE/APT

IF R LIVES IN ANY STRUCTURE ON A FARM/RANCH, CODE

FARM OR RANCH

X6770 How many years have you (or anyone in your family here)

lived within about 25 miles of your current home?

CODE NUMBER OF YEARS

-1. *LESS THAN A YEAR

-2. *ENTIRE LIFE

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 95

THEN IF 95 SET TO -2

*********************************************************

X7136 We are interested in your view of the chance

that you will be staying at your current address for the

next two years. Using any number from zero to 100, where

zero equals no chance and 100 equals absolutely certain,

what do you think the chances are that you will be living

at your current address two years from now?

INTERVIEWER: ROUND TO CLOSEST NUMBER DISPLAYED.

-1. ABSOLUTELY NO CHANCE OF STAYING (recoded from zero)

10.

20.

30.

40.

50. 50-50 CHANCE

60.

70.

80.

90.

100. ABSOLUTELY CERTAIN TO STAY

NOTE: CARD 6 contains the following information:

The numbers 0, 10, 20, ..., 100 in a horizonal row bounded

by dark lines. Below 0 is printed "Absolutely no chance";

in the space below 20 and 30 is printed "Possible but not

likely"; below 50 is printed "50-50 chance"; in the space

below 70 and 80 is printed "Likely but not certain"; and

below 100 is printed "Absolutely certain."

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

R LIVES ON A FARM

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

X502 Now I have some questions about this property.

About how many acres is this (farm/ranch), including any

acres that you rent or rent out to others?

INCLUDE ALL ACREAGE IN NON-CONTIGUOUS PIECES OF LAND

THAT ARE USED AS A PART OF THE FARM/RANCH OPERATION.

Code acres

0. Inap. (R does not live on farm/ranch: X501^=4 or 5)

*********************************************************

FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 5 IF

BETWEEN 10 AND 100 INCLUSIVE, OTHERWISE IF > 100

ROUNDED TO NEAREST 10 WITH A TOP-CODE AT 1000

*********************************************************

X503 (Do you operate a farming or ranching business on this

property?/

Do you or anyone in your family living here operate a

farming or ranching business on this property?)

(IF R CLAIMS THE FARM ON HIS INCOME TAX, THEN THE FARM IS A

BUSINESS FOR OUR PURPOSES.)

1. *YES

5. *NO

0. Inap. (R does not live on farm/ranch: X501^=4 or 5)

X504 (Do you rent out any part of this property to others?/

Do you or anyone in your family living here rent out any

part of this property to others?)

1. *YES

5. *NO

0. Inap. (R does not live on farm/ranch: X501^=4 or 5)

X505 How much rent do you collect?

Code amount

-1. None

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not rent out part of property: X504=5)

X506 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount collected?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

11. *Twice per year

12. Every two months

31. *Twice a month

-1. No rent collected

-7. *Other

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not rent out part of property: X504=5)

What part of this property is used for (farm/ranch)ing?

X507 Code percent * 100

-1. *Very little

9995. *Almost all

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1)

X7574 Code number of acres

-1. Very little

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X508 What is the legal ownership status of this (farm/ranch)?

[Do you own this (farm/ranch), do you own part of it, do

you rent it, is it all owned by a business, or what?/

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 only part

5. *Sharecropper

3. *Rents/Leases all

4. *Owned by a business

-7. *Other

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1)

R OWNS ALL

X509 [Does your (farm/ranch)ing business pay any rent for the

use of the property?/

Does your family's (farm/ranch)ing business pay any rent

for the use of the property?]

1. *YES

5. *NO

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1;

R does not own all of farm/ranch: X508^=1)

X510 (How much rent do you collect?/

How much rent do you or your family living here collect?)

Code amount

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1;

R does not own all of farm/ranch: X508^=1; business

does not pay rent: X509^=1))

X511 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount collected?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

11. *Twice per year

12. Every two months

31. *Twice a month

-7. *Other

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1;

R does not own all of farm/ranch: X508^=1; business

does not pay rent: X509^=1))

X513 Could you tell me the current value of all the land and

buildings - that is, what would it bring if it were sold

today? Do not include any farm animals, implements or crops.

Code amount

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1;

R does not own all of farm/ranch: X508^=1)

OWNED BY A BUSINESS

X514 (Do you pay the business any rent for this property?/

Do you or your family living here pay the business any rent

for this property?)

1. *YES

5. *NO

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1;

farm/ranch not owned by a business: X508^=4)

X515 In what month and year did you move into this (farm/ranch)?

Code month

1. *January

2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1;

farm/ranch not owned by a business: X508^=4)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X516 Code year (4 digits)

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1;

farm/ranch not owned by a business: X508^=4)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-60

*********************************************************

R OWNS PART

X517 [Does the (farm/ranch)ing business pay you any rent for

the use of the property?/

Does the (farm/ranch)ing business pay you or your family

living here any rent for the use of the property?]

1. *YES

5. *NO

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1;

R does not own only part of farm/ranch: X508^=2)

X518 (How much rent do you collect?/

How much rent do you or your family living here collect?)

Code amount

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1;

R does not own only part of farm/ranch: X508^=2;

business does not pay rent to R: X517^=1)

X519 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount collected?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

11. *Twice per year

12. Every two months

31. *Twice a month

-7. *Other

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1;

R does not own only part of farm/ranch: X508^=2;

business does not pay rent to R: X517^=1)

X520 (Do you pay any rent for this property?/

Do you or anyone in your family living here pay any rent

for this property?)

1. *YES

5. *NO

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1;

R does not own only part of farm/ranch: X508^=2)

X521 (How much rent do you pay?/

How much rent do you or your family living here pay?)

Code amount

-1. None

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1;

R does not own only part of farm/ranch: X508^=2;

R does not pay rent to business: X520^=1)

X522 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount paid?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

11. *Twice per year

12. Every two months

31. *Twice a month

-1. No rent

-7. *Other

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1;

R does not own only part of farm/ranch: X508^=2;

R does not pay rent to business: X520^=1)

(I will ask you more about the business operation later.

Now I'd like to ask about the part of the property that

you personally own. About what percent of the total

property is that?/

I will ask you more about the business operation later.

Now I'd like to ask about the part of the property that

you and your family living here personally own. About

what percent of the total property is that?)

X523 Code percent * 100

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1;

R does not own only part of farm/ranch: X508^=2)

X7573 Code acres

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1;

R does not own only part of farm/ranch: X508^=2)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X526 Could you tell me the current value of the entire part of

the land and buildings you own? I mean, what would it

bring if it were sold today? Do not include any farm

animals, implements or crops.

Code amount

0. Inap. (R does not live on farm/ranch: X501^=4 or 5;

R does not operate farm/ranch as a business: X503^=1;

R does not own only part of farm/ranch: X508^=2)

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

R LIVES IN MOBILE HOME

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

X601 (Now I have some questions about your home. Do you own

both this mobile home and site or lot, do you own only the

mobile home, do you own only the site, do you rent both

the home and site, or what?/

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 own nor rent

RENTS HOME, OWNS SITE

X602 How much rent do you pay on this home?

Code amount

-1. None

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=2)

X603 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount paid?)

Code frequency

2. *Week

3. *Every two weeks

4. *Month

5. *Quarter

6. *Year

11. *Twice per year

12. Every two months

31. *Twice a month

-7. *Other

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=2)

X604 Could you tell me the current value of the site? I mean,

about what would it bring if it were sold today?

Code amount

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=2)

In what month and year did you purchase the site?

(INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.)

X605 Code month

1. *January

2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=2)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X606 Code year (4 digits)

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=2)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-60

*********************************************************

X608 CODE GIFT/INHERITANCE

1. *GIFT/INHERITANCE

5. *R PURCHASED

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=2)

X607 How much did this site cost when you originally acquired it?

(INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.)

Code amount

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=2)

NEITHER OWNS NOR RENTS MH

X609 How is that?

1. Housing is part of job compensation; live-in

servant; housekeeper; gardener; farm laborer;

military; minister; etc.

2. Housing is a gift paid for by someone outside HU;

owned by relative outside HU; R pays only taxes/fees

3. Sold home, has not moved yet

4. Living in house which will inherit; estate in

process

5. Living in temporary quarters while home is under construction

6. Public Housing; charity

8. Living in home of relatives/friends without paying

rent; include list sample R "home from school"

9. House owned by trust created by R

10. Property owned by tribal association and R has

lifetime rights to residence; other such communal

residence rights where R has no equity interest

12. R is a part-owner

13. Not paying rent, n.e.c.

0 Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=-7)

*********************************************************

FOR THE PUBLIC DATA SET, CODES 9 AND 10 ARE COMBINED

WITH CODE -7; CODES 4 AND 8 ARE COMBINED WITH CODE 2

*********************************************************

In what month and year did you move into this mobile home?

X610 Code month

1. *January

2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=-7)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X611 Code year (4 digits)

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=-7)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-60

*********************************************************

OWNS HOME, RENTS SITE

X612 How much rent do you pay on this site?

Code amount

-1. None

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=3)

X613 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount paid?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

11. *Twice per year

12. Every two months

31. *Twice a month

-1. No rent collected

-7. *Other

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=3)

X614 Could you tell me the current value of this mobile home?

I mean, about what would it bring if it were sold today?

Code amount

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=3)

In what month and year did you purchase this mobile home?

(INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.)

X615 Code month

1. *January

2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=3)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X616 Code year (4 digits)

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=3)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-60

*********************************************************

X618 CODE GIFT/INHERITANCE

1. *GIFT/INHERITANCE

5. *R PURCHASED

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=3)

X617 How much did this mobile home cost when you originally

acquired it?

INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.

Code amount

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=3)

RENTS HOME AND SITE

X619 About how much rent do you pay on this home and site?

Code amount

-1. None

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=4)

X620 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is it paid?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

11. *Twice per year

12. Every two months

31. *Twice a month

-7. *Other

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=4)

In what month and year did you move into this mobile home?

X621 Code month

1. *January

2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=4)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X622 Code year (4 digits)

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=4)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-60

*********************************************************

OWNS HOME AND SITE

X623 Could you tell me the current value of this home and site?

I mean, about what would they bring if they were sold today?

Code amount

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=1)

X624 Were the site and mobile home purchased separately?

1. *YES

5. *NO

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=1)

In what month and year did you purchase this mobile home?

(INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.)

X625 Code month

1. *January

2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=1; home and site not purchased

separately: X624^=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X626 Code year (4 digits)

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=1; home and site not purchased

separately: X624^=1)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-60

*********************************************************

X628 CODE GIFT/INHERITANCE

1. *GIFT/INHERITANCE

5. *R PURCHASED

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=1; home and site not purchased

separately: X624^=1)

X627 How much did the mobile home cost when you originally

acquired it?

INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.

Code amount

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=1; home and site not purchased

separately: X624^=1)

In what month and year did you purchase this site?

(INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.)

X629 Code month

1. *January

2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=1; home and site not purchased

separately: X624^=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X630 Code year (4 digits)

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=1; home and site not purchased

separately: X624^=1)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-60

*********************************************************

X632 CODE GIFT/INHERITANCE

1. GIFT/INHERITANCE

5. R PURCHASED

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=1; home and site not purchased

separately: X624^=1)

X631 How much did this site cost when you originally acquired it?

INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.

Code amount

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=1; home and site not purchases

separately: X624^=1)

In what month and year did you purchase this mobile home and site?

(INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.)

X633 Code month

1. *January

2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=1; home and site purchased

separately: X624=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X634 Code year (4 digits)

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=1; home and site purchased

separately: X624=1)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-60

*********************************************************

X636 CODE GIFT/INHERITANCE

1. *GIFT/INHERITANCE

5. *R PURCHASED

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=1; home and site purchased

separately: X624=1)

X635 How much did the mobile home and site cost when you

originally acquired it?

INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.

Code amount

0. Inap. (R does not live in MH: X501^=2; other MH

ownership: X601^=1; home and site purchased

separately: X624=1)

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

R LIVES IN HU OTHER THAN FARM/RANCH OR MOBILE HOME

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

X701 Now I have some questions about your home.

Do you own this ranch, do you pay rent, do you own it as a

part of a condo, co-op, townhouse association, or what?

Do you own this farm, do you pay rent, do you own it as a

part of a condo, co-op, townhouse association, or what?

Do you own this (house and lot/apartment), do you pay rent,

do you own it as a part of a condo, co-op, townhouse

association, or what?

Do you and your family living here own this ranch, do you

pay rent, do you own it as a part of a condo, co-op,

townhouse association, or what?

Do you and your family living here own this farm, do you

pay rent, do you own it as a part of a condo, co-op,

townhouse association, or what?

Do you and your family living here own this (house and

lot/apartment), 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 Association

6. *Retirement Lifetime Tenancy

8. *OWN ONLY PART

-7. *Neither owns nor rents

0. Inap. (R lives in MH: X501=2; R lives on farm and farm

is operated as a business: X501=4 or 5 and X503=1)

NEITHER OWNS NOR RENTS

X705 How is your housing provided?

1. Housing is part of job compensation; live-in servant;

house-keeper; gardener; farm laborer; military;

minister; etc.

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 while home is under construction

6. Public Housing; charity

8. Living in home of relatives/friends without paying

rent; include list sample R "home from school"

9. House owned by trust created by R

10. Property owned by tribal association and R has

lifetime rights to residence; other such communal

residence rights where R has no equity interest

12. R is a part-owner

13. Not paying rent, n.e.c.

-7. Other

0. Inap. (R lives in MH: X501=2; R lives on farm and farm

is operated as a business: X501=4 or 5 and X503=1;

some living arrangement other than neither owns nor

rents: X701^=-7)

*********************************************************

FOR THE PUBLIC DATA SET, CODES 9 AND 10 ARE COMBINED

WITH CODE -7; CODES 4 AND 8 ARE COMBINED WITH CODE 2

*********************************************************

X7133 Do you own any part of this ranch?

Do you own any part of this farm?

Do you own any part of this (house and lot/apartment)?

Does anyone in your family living here own any part of

this (farm/ranch)?

Does anyone in your family living here own any part of

this (house and lot/apartment)?

1. *YES

5. *NO

0. Inap. (R lives in MH: X501=2; R lives on farm and farm

is operated as a business: X501=4 or 5 and X503=1;

some living arrangement other than neither owns nor

rents: X701^=-7)

X7134 IN THE FOLLOWING QUESTIONS ABOUT VALUE AND LOANS, INCLUDE

ONLY R'S SHARE; IF R KNOWS ONLY TOTALS FOR THE WHOLE

PROPERTY, MAKE NOTES WHERE APPLICABLE.

What percent of the property do you own?

What percent of the property do you and your family living

here own?

Code percent * 100

0. Inap. (R lives in MH: X501=2; R lives on farm and farm

is operated as a business: X501=4 or 5 and X503=1;

some living arrangement other than neither owns nor

rents or owns only part: X701^=-7, 8; R does not own

any part: X7133=5)

In what month and year did you move into this home?

X706 Code month

1. *January

2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (R lives in MH: X501=2; R lives on farm and farm

is operated as a business: X501=4 or 5 and X503=1;

some living arrangement other than neither owns nor

rents: X701^=-7; R owns any part: X7133^=5)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X707 Code year (4 digits)

0. Inap. (R lives in MH: X501=2; R lives on farm and farm

is operated as a business: X501=4 or 5 and X503=1;

some living arrangement other than neither owns nor

rents: X701^=-7; R owns any part: X7133^=5)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-60

*********************************************************

RENTS HOME (INCLUDES FARM WITH NO FARM BUSINESS/RENTED FARM)

X708 How much rent do you pay for this (farm/ranch)?

How much rent do you or your family living here pay for

this (farm/ranch)?

How much rent do you pay for this (house/apartment)?

How much rent do you or your family living here pay for this

(house/apartment)?

IF RENT IS SUBSIDIZED, PROBE FOR DETAILS AND MAKE A NOTE.

IF R SHARES RENT WITH ROOMATES NOT IN THE PEU, INCLUDE

ONLY R'S (FAMILY'S) SHARE OF RENT.

Code amount

-1. None

0. Inap. (R lives in MH: X501=2; R lives on farm operated

as a business, but does not rent: X501=4 or 5 and

X503=1 and X508^=3; some living arrangement other than

rents rents: X701^=2)

X709 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount paid?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

11. *Twice per year

12. Every two months

31. *Twice a month

-1. No rent collected

-7. *Other

0. Inap. (R lives in MH: X501=2; R lives on farm operated

as a business, but does not rent: X501=4 or 5 and

X503=1 and X508^=3; some living arrangement other than

rents rents: X701^=2)

X710 Does the rent include some or all utilities?

1. *Yes, all

3. *Yes, some

5. *No

0. Inap. (R lives in MH: X501=2; R lives on farm operated

as a business, but does not rent: X501=4 or 5 and

X503=1 and X508^=3; some living arrangement other than

rents rents: X701^=2)

X711 Do you rent it furnished or unfurnished?

1. *Furnished

3. *Partially furnished

5. *Unfurnished

0. Inap. (R lives in MH: X501=2; R lives on farm operated

as a business, but does not rent: X501=4 or 5 and

X503=1 and X508^=3; some living arrangement other than

rents rents: X701^=2)

In what month and year did you move into this ranch?

In what month and year did you move into this farm?

In what month and year did you move into this (house/apartment)?

X712 Code month

1. *January

2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (R lives in MH: X501=2; R lives on farm operated

as a business, but does not rent: X501=4 or 5 and

X503=1 and X508^=3; some living arrangement other than

rents rents: X701^=2)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X713 Code year (4 digits)

0. Inap. (R lives in MH: X501=2; R lives on farm operated

as a business, but does not rent: X501=4 or 5 and

X503=1 and X508^=3; some living arrangement other than

rents rents: X701^=2)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-60

*********************************************************

R OWNS SOME PART (INCLUDES FARM WITH NO FARM BUSINESS)

X7572 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. (R lives in MH: X501=2; R lives on farm and farm

is operated as a business: X501=4 or 5 and X503=1;

some living arrangement other than owns: X701^=1, 3,

4, 5, 6, or 8 and X7133^=1)

X703 How much are your fees?

Code amount

-1. None

0. Inap. (R lives in MH: X501=2; R lives on farm and farm

is operated as a business: X501=4 or 5 and X503=1;

some living arrangement other than owns: X701^=1, 3,

4, 5, 6, or 8 and X7133^=1; no fees: X7572^=1)

X704 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often do you pay this amount?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. *Twice per year

12. Every two months

31. *Twice a month

-7. *Other

0. Inap. (R lives in MH: X501=2; R lives on farm and farm

is operated as a business: X501=4 or 5 and X503=1;

some living arrangement other than owns: X701^=1, 3,

4, 5, 6, or 8 and X7133^=1; no fees: X7572^=1)

X702 INTERVIEWER OBSERVATION: DOES R LIVE IN MULTIPLE HU STRUCTURE?

(CONFIRM WITH R IF NECESSARY.)

1. *YES

5. *NO

0. Inap. (R lives in MH: X501=2; R lives on farm and farm

is operated as a business: X501=4 or 5 and X503=1;

some living arrangement other than owns: X701^=1, 3,

4, 5, 6, or 8 and X7133^=1)

X714 Do you own the entire building or just your unit?

Do you and your family living here own the entire building

or just your unit?

IF R OWNS MULTIPLE UNITS, BUT NOT THE WHOLE BUILDING, MAKE

A NOTE AND INCLUDE ADDITIONAL UNIT LATER AS OTHER REAL

ESTATE.

1. *Entire building

2. *Just R's unit

0. Inap. (R lives in MH: X501=2; R lives on farm and farm

is operated as a business: X501=4 or 5 and X503=1;

some living arrangement other than owns: X701^=1, 3,

4, 5, 6, or 8 and X7133^=1)

X715 How many housing units are in this building?

Code number of units

0. Inap. (R lives in MH: X501=2; R lives on farm and farm

is operated as a business: X501=4 or 5 and X503=1;

some living arrangement other than owns: X701^=1, 3,

4, 5, or 6 and X7133^=1; does not own entire building:

X714^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 100

*********************************************************

X7135 Do you own your unit separately from the rest of the building?

1. *YES

5. *NO

0. Inap. (R lives in MH: X501=2; R lives on farm and farm

is operated as a business: X501=4 or 5 and X503=1;

some living arrangement other than owns: X701^=1, 3,

4, 5, 6, or 8 and X7133^=1; does not own entire building:

X714^=1)

X716 The following questions about your home refer to your unit

only.

The following questions refer to the entire building.

What is the current value of this (home and

land/apartment/property)? I mean, without taking any

outstanding loans into account, about what would it

bring if it were sold today?

INTERVIEWER: PROPERTY REFERS TO WHATEVER PART R OWNS OF

THEIR HOUSE AND LOT, APARTMENT, BUILDING, FARM OR

RANCH. INCLUDE THE PART OF THE PROPERTY THAT R OWNS; FOR

FARMS/RANCHES, INCLUDE ALL OWNED LAND AND STRUCTURES.

Code amount

0. Inap. (R lives in MH: X501=2; R lives on farm and farm

is operated as a business: X501=4 or 5 and X503=1;

some living arrangement other than owns: X701^=1, 3,

4, 5, 6, or 8 and X7133^=1)

NOTE: where X7133=YES (R neither owns nor rents, but owns

part of the property), the amount here has been adjusted to

reflect the value of the entire property.

In what month and year did you first purchase any part of

this property?

(INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.)

IF THE PROPERTY WAS ACQUIRED/INHERITED/BUILT AT DIFFERENT

TIMES, RECORD THE EARLIEST DATE.

X719 Code month

1. *January

2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (R lives in MH: X501=2; R lives on farm and farm

not owned at least in part: X501=4 or 5 and X508^=1 or

2; some living arrangement other than owns: X701^=1, 3,

4, 5, 6, or 8 and X7133^=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X720 Code year (4 digits)

0. Inap. (R lives in MH: X501=2; R lives on farm and farm

not owned at least in part: X501=4 or 5 and X508^=1 or

2; some living arrangement other than owns: X701^=1, 3,

4, 5, 6, or 8 and X7133^=1)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-60

*********************************************************

X718 CODE GIFT/INHERITANCE

1. GIFT/INHERITANCE

5. R PURCHASED

0. Inap. (R lives in MH: X501=2; R lives on farm and farm

not owned at least in part: X501=4 or 5 and X508^=1 or

2; some living arrangement other than owns: X701^=1, 3,

4, 5, 6, or 8 and X7133^=1)

X7060 Did you (or your husband/wife/partner) ever own your home

in the past?

1. *YES

5. *NO

0. Inap. (R lives in MH: X501=2; R lives on farm and farm

is operated as a business: X501=4 or 5 and X503=1;

R owns: X701=1, 3, 4, 5, 6, or 8 and X7133^=1)

(ALL OWNERS EXCEPT MH)

X717 How much did it cost when you originally acquired it?

IF PROPERTY WAS PURCHASED SEPARATELY, WE WANT THE TOTAL

COST OF LAND AND HOUSE. INTERVIEWER: IF GIFT/INHERITANCE,

ASK VALUE WHEN RECEIVED.

Code amount

0. Inap. (R lives in MH: X501=2; R owns neither farm nor

other type of dwelling: X508^=1 or 2 and X701^=1, 3,

4, 5, 6, or 8 and X7133^=1)

(ALL TYPES OF OWNERS)

X721 What are the real estate taxes on this home and land?

What are the real estate taxes on this land?

What are the real estate taxes on this home?

What are the real estate taxes on this farm?

What are the real estate taxes on this ranch?

What are the real estate taxes on the part of the ranch you own?

What are the real estate taxes on the part of the farm you own?

What are the real estate taxes on this unit?

What are the real estate taxes on this property?

Code amount

-1. None

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1)

X722 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often do you pay this amount?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

11. *Twice per year

12. Every two months

20. Five times a year; every 10 weeks

22. Varies

25. Every two years

31. *Twice a month

-7. *Other

-1. None

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1)

X723 Is there a mortgage or land contract on this (home/home and

land/apartment/property)?

IF YES, SAY: Please do not include home equity loans or

lines of credit.

INTERVIEWER: IF R SAYS BOTH MORTGAGE AND LAND CONTRACT,

CHOOSE MORTGAGE.

IF R SAYS REVERSE ANNUITY MORTGAGE, CODE MORTGAGE AND MAKE

A NOTE [F2].

1. *Yes, mortgage

2. *Yes, land contract

5. *No

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1)

X830 Do you have another mortgage or a land contract on this

property?

IF YES, SAY: Please do not include home equity lines of credit.

INTERVIEWER: A HOME EQUITY LINE OF CREDIT IS AN AGREEMENT

WHERE THE R CAN BORROW AT ANY TIME USING THE HOUSE AS

COLLATERAL, UP TO SOME LIMIT. A HOME EQUITY LOAN IS A FIXED

LENGTH, FIXED MONTHLY PAYMENT LOAN.

1. *Yes, second mortgage

2. *Yes, land contract

5. *No

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723=5)

X931 Do you have any other loans that use this property as collateral?

Do you have any loans that use this property as collateral?

IF YES, SAY: Please do not include any home equity lines of credit.

1. *YES

5. *NO

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

first mortgage but no second mortgage: X723=1 and X830^=1)

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

MORTGAGES/LAND CONTRACTS/EQUITY LOANS ON PRINCIPAL RESIDENCE

#1 refers to first mortgage

#2 refers to second mortgage

#3 refers to other home equity loan other than a home equity line of credit

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

X724(#1) Is the first or main mortgage a FHA, VA or other federally

guaranteed mortgage?

FANNY MAE AND FREDDY MAC SHOULD NOT BE INCLUDED AS

FEDERALLY GUARANTEED.

1. *YES

5. NO

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no mortgage: X723=5)

X726(#1) Is it an FHA mortgage, a VA mortgage, or is it from some

other program?

1. *Federal Housing Administration (FHA)

2. *Veteran's Administration (VA)

3. Federal land bank

4. Federal National Mortgage Association ("Fannie Mae")

5. Federal Home Loan Mortgage Corp. ("Freddie Mac")

10. State housing programs

11. First-time buyer program, n.e.c.

12. Other Federal loan program

-7. *Other

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no mortgage: X723=5; not federally guaranteed: X724^=1)

*********************************************************

FOR THE PUBLIC DATA SET, CODE 4 IS COMBINED WITH

CODE 5; CODES 2, 3, 10, AND 11 ARE COMBINED WITH CODE

*********************************************************

X727(#1) 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

30. Special features for first-time home buyers

80. No Choice, NEC

81. Used before, always use

83. Recommended

85. Home inspection policy

90. Assumed or assumable; seller-financed

-7. Other

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no mortgage: X723=5; not federally guaranteed: X724^=1)

X725(#1) Private mortgage insurance, or PMI, protects lenders

against default. Does your currently mortgage carry PMI?

(IF R ASKS: DO NOT INCLUDE MORTGAGE LIFE INSURANCE.)

1. *YES

5. *NO

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no mortgage: X723=5; has VA/FHA: X724=1)

About this mortgage, in what month and year did you obtain

or last refinance it?

About this land contract, in what month and year did you

obtain or last refinance it?

About this loan, in what month and year did you obtain or

last refinance it?

X801(#1) Code month

X901(#2) 1. *January

X1001(#3) 2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no mortgage: X723=5)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X802(#1) Code year (4 digits)

X902(#2) 0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X1002(#3) X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no mortgage: X723=5)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-30

*********************************************************

X803(#1) Was this mortgage assumed from the previous owner?

X903(#2)

Was this land contract assumed from the previous owner?

Was this second mortgage assumed from the previous owner?

1. *YES

5. *NO

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no mortgage: X723=5; year of mortgage not same as year

of purchase: X802^=X606, X611, X616, X626, X630, X634,

and X720)

X7137(#1) Did you take out this mortgage to: refinance or rollover an

earlier loan, borrow additional money on your home equity,

or to do both?

1. *Refinance or rollover an earlier loan,

2. *Borrow additional money on your home equity,

3. *Or to do both?

4. *ORIGINALLY PAID CASH AND TOOK OUT LOAN LATER;

no pre-existing mortgage when loan taken out

8. Assumed mortgage when inherited the house

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

land contact: X723=2; no mortgage: X723=5; year of

mortgage same as year of purchase: X802= one of X606,

X611, X616, X626, X630, X634, or X720)

X7138(#1) How much additional money did you borrow?

INTERVIEWER: WE WANT THE AMOUNT THAT R BORROWED NET OF

CLOSING COSTS AND THE AMOUNT REFINANCED.

Code amount

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

land contact: X723=2; no mortgage: X723=5; year of

mortgage same as year of purchase: X802= one of X606,

X611, X616, X626, X630, X634, or X720; did not borrow

additional money: X7137^=2, 3; assumed mortgage on

inherited house: X7137=8)

X6723(#1) For what purpose was the money used?

MASTER LOAN PURPOSE LIST

1. Own home purchase/construction

3. Home improvements or additions (incl. assessments for

sewer/sidewalk, etc.)

4. Home repairs/maintenance/upkeep

10. Car

11. Refrigerator

12. Stove/range; microwave oven

13. Dishwasher

14. Freezer

15. Air conditioner; furnace

16. Washing machine (incl. washer/dryer combination)

17. Dryer

18. Furniture (excluding pianos and organs -- see code

34); lamps; mattress and spring combinations; rug

and/or carpet; other household furnishings

20. Vaccum 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 and appliances

29. Other appliances or durable goods; sewing machine; typewriter

31. Stereo; phonograph (may include radio); include sound

equipment; amplifiers here; radio (AM or FM); tuner;

CB equipment; tape recorder, tape player (cassette or

reel-to-reel); CD player

34. Piano; Organ

35. Musical instruments (excl. piano and organ)

36. TV -- color or black and white; "home entertainment

center" (including combination TV, radio, phonograph);

video cassette recorder/player (VCR); video camera

(Cam-corder); satellite dish

49. Other small/indoor hobby and entertainment items

(incl. pool tables and regular cameras)

50. Power tools and yard equipment

61. Boat; boating equipment (incl. trailer), airplane,

airplane equipment

63. Motorcycles; bicycle; moped; snowmobiles; off-road vehicles

65. Camper-trailers; RV, n.f.s.

67. Cottage; vacation property; mobile homes -- seasonal

residence (if current residence, code 01); "motor home";

second home

69. Other outdoor recreation items; horse

74. Invest in own business

75. Business investment (exc. 74),

incl. businesses now defunct

76. Other asset investment; bought stocks/bonds; IRA

deposit; gold; "investment", n.f.s.

78. Investment real estate (incl. cemetery plots and

additions and repairs to investment property);

farmland (exc. 74); vacation property

79. To have cash reserve

80. Divorce/separation expenses

81. Travel/vacation expenses

82. Medical/dental/veterinary expenses; attorney's fees

83. Education/school expenses

84. Tax and insurance expenses (exc. vehicle, code 93)

85. Weddings/funerals/other "occasions"

86. Legal judgment against R

88. Moving expenses

89. Other special expenses; encyclopedia; health membership

90. "Personal loan"--NA what for

91. Bill/debt consolidation; "bills"

92. Personal items, incl. clothing, jewelry

93. Vehicle repair/upkeep (incl. insurance)

94. Gifts; goods or gifts of money; "Christmas"

95. Living/general expenses

96. Loans made to others; "loaned friend/son money for a house"

97. Charitable or political contributions

-7. Other (including combinations)

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

land contact: X723=2; no mortgage: X723=5; year of

mortgage same as year of purchase: X802= one of X606, X611,

X616, X626, X630, X634, or X720; additional money not

taken out on loan: X7137^=2, 3, or 4; assumed mortgage on

inherited house: X7137=8)

*********************************************************

THE FOLLOWING NEW CATEGORIES HAVE BEEN CREATED FOR THE

PUBLIC DATA SET:

IF (loan purpose type=1 or 67) THEN newcode=1;

ELSE IF (loan purpose type=3 or 4) THEN newcode=2;

ELSE IF (loan purpose type=10 or 24) THEN newcode=3;

ELSE IF (loan purpose type=11, 12, 13, 14, 15, 16,

17, 18, 20, 25, 26, or 29) THEN newcode=4;

ELSE IF (loan purpose type=23, 31, 34, 35, 36, 49,

50, or 69) THEN newcode=5;

ELSE IF (loan purpose type=61, 63, or 65) THEN

newcode=6;

ELSE IF (loan purpose type=74, 75, 76, 78, or 79)

THEN newcode=7;

ELSE IF (loan purpose type=80, 81, 85, 88, or 89)

THEN newcode=8;

ELSE IF (loan purpose type=82 or 83) THEN newcode=9;

ELSE IF (loan purpose type=84, 86, 90, 91, 92, 93, 94,

95, 96, or 97) THEN newcode=10;

*********************************************************

X804(#1) What was the amount of the land contract when you took it out?

X904(#2)

X1004(#3) Including both the amount refinanced and the additional

borrowing, how much did you borrow?

How much did you refinance?

How much did you borrow?

IF R HAS REVERSE ANNUITY MORTGAGE, THE AMOUNT BORROWED IS

THE TOTAL AMOUNT RECEIVED TO DATE.

Code amount

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2/no second mortgage:

X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1))

X805(#1) What is the amount still owed on the land contract?

X905(#2)

X1005(#3) How much is still owed on this loan?

Code amount

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;

no first mortgage: X723^=1 or 2/no second mortgage:

X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1))

How many years or payments did you agree upon when the

(land contract/loan) was taken out or refinanced?

IF R SAYS MORTGAGE IS A REVERSE ANNUITY MORTGAGE, MAKE A NOTE.

X806(#1) NUMBER OF YEARS

X906(#2)

X1006(#3) Code number of years

-1. NO SET NUMBER OF YEARS

-7. Unable to calculate from number of payments

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2/no second mortgage:

X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1))

X807(#1) NUMBER OF PAYMENTS

X907(#2)

X1007(#3) Code number of payments

-1. NO SET NUMBER OF PAYMENTS

-7. Unable to calculate from number of years

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2/no second mortgage:

X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1))

X9154(#1) Recode: Term of loan in months

X9155(#2)

X9156(#3) Code number of months

-1. NO SET NUMBER OF YEARS/PAYMENTS

-7. Unable to calculate from number of payments/years

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2/no second mortgage:

X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1))

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X808(#1) How much are the payments?

X908(#2)

X1008(#3) EXCLUDE TAXES AND INSURANCE, IF POSSIBLE.

Code amount

-1. None

-2. NO REGULAR PAYMENTS

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2/no second mortgage:

X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1);

no set number of payments: X806/X906/X1006=-1 or

X807/X907/X1007=-1)

X809(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

X909(#2) (And how often is that amount due?)

X1009(#3)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only

11. *Twice per year

12. Every two months

22. Varies

23. 13 times a year; every 4 weeks

24. Every 6 weeks

31. *Twice a month

-1. NO PAYMENT

-2. NO REGULAR PAYMENTS

-7. *Other

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2/no second mortgage:

X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1);

no set number of payments: X806/X906/X1006=-1 or

X807/X907/X1007=-1)

X813(#1) What is the typical payment?

X913(#2)

X1013(#3) EXCLUDE TAXES AND INSURANCE, IF POSSIBLE.

Code amount

-1. None

-2. NO TYPICAL PAYMENTS

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2/no second mortgage:

X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1);

set number of payments and positive payment:

X806/X906/X1006^=-1 and X807/X907/X1007^=-1 and

X808/X908/X1008>0)

X814(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

X914(#2) (And how often is that amount made?)

X1014(#3)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only

11. *Twice per year

12. Every two months

22. Varies

23. 13 times a year; every 4 weeks

24. Every 6 weeks

31. *Twice a month

-1. NO PAYMENT

-2. NO TYPICAL PAYMENTS

-7. *Other

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2/no second mortgage:

X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1);

set number of payments and positive payment:

X806/X906/X1006^=-1 and X807/X907/X1007^=-1 and

X808/X908/X1008>0)

X810(#1) Does this amount include real estate taxes or homeowners'

insurance? (Which?)

1. *Taxes only

2. *Insurance only

3. *Both

4. *Neither

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2; no typical payment:

X813=-1 or -2/X913=-1 or -2/X1013=-1 or -2)

X811(#1) Will the (regular) payments repay the loan completely, or

X911(#2) will there be a balance payable, or "balloon" payment, when

X1011(#3) the loan is due?

IF R IS REQUIRED TO REFINANCE THE LOAN AFTER A FIXED

PERIOD, CHOOSE "BALANCE PAYABLE OR BALLOON" AND MAKE

A NOTE.

1. *Repay completely

2. *Balance payable or Balloon

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/

no third mortgage: X931^=1 or (X723=5 and X830^=1; no

typical payment: X813=-1 or -2/X913=-1 or -2/X1013=-1 or -2)

X812(#1) What will the balance due or balloon payment be?

X912(#2)

X1012(#3) Code amount

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/

no third mortgage: X931^=1 or (X723=5 and X830^=1; no

typical payment: X813=-1 or -2/X913=-1 or -2/

X1013=-1 or -2; no balloon payment: X811^=2/X911^=2/X1011^=2)

X7571(#1) Are you paying off this (land contract/loan) ahead of

X7570(#2) schedule, behind schedule, or are the payments about

X7569(#3) on schedule?

1. *ON SCHEDULE

2. *AHEAD OF SCHEDULE

3. *BEHIND SCHEDULE

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/

no third mortgage: X931^=1 or (X723=5 and X830^=1;

no set number of payments: X811=-1/X911=-1/X1011=-1;

no typical payment: X813=-1 or -2/X913=-1 or -2/

X1013=-1 or -2)

X815(#1) When do you expect this (land contract/loan) to be repaid?

X915(#2)

X1015(#3) Code year (4 digits)

-1. Reverse annuity loan

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/

no third mortgage: X931^=1 or (X723=5 and X830^=1;

loan on schedule: X7571=1/X7570=1/X7569=1)

X816(#1) What is the current annual rate of interest being charged

X916(#2) on the loan?

X1016(#3) What is the current annual rate of interest on the land

contract?

Code percent * 100

-1. No interest

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/

no third mortgage: X931^=1 or (X723=5 and X830^=1)

X817(#1) Please look at the list of institutions you wrote down.

X917(#2) Is the loan with any of the institutions on the list, or from

X1017(#3) someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED

AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution

is that?)

Please look at the Institutions Card. Is the loan with any

of the institutions on the Institutions Card, or from

someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS

MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of

institution is that?)

WE WANT THE INSTITUTION THAT CURRENTLY HOLDS THE MORTGAGE,

NOT THE INSTITUTION WHERE R ORIGINALLY TOOK OUT THE LOAN.

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/

no third mortgage: X931^=1 or (X723=5 and X830^=1)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMMERCIAL BANK; trust company

12. *S&L/SAVINGS BANK

14. *FINANCE/LOAN CO

17. *INSURANCE CO

18. *MORTGAGE CO

19. *CONTRACTOR/DEVELOPER

20. *PRIOR OWNER

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X9083(#1) Recode: type of institution

X9084(#2)

X9085(#3) See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/

no third mortgage: X931^=1 or (X723=5 and X830^=1)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X7568(#1) Is this the same institution as the one from which you

originally took out this loan?

IF R REFINANCED THE LOAN, WE WANT TO KNOW ABOUT THE REFINANCED

LOAN, NOT THE ORIGINAL LOAN.

1. *YES

5. *NO

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2)

X7580(#1) Please look at the list of institutions you wrote down. Was

the loan originally with any of the institutions on that

list, or from someplace else? (IF ON THE LIST: Which

institution?) (IF SOMEPLACE ELSE: What type of institution

is that?)

Please look at the Institutions Card. Was the loan originally

with any of the institutions on the Institutions Card, or from

someplace else? (IF INSTITUTIONS CARD: Which institution?)

(IF SOMEPLACE ELSE: What type of institution is that?)

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2; not same institution as

one from which originally took out loan: X7568^=5)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMMERCIAL BANK; trust company

12. *S&L/SAVINGS BANK

14. *FINANCE/LOAN CO

17. *INSURANCE CO

18. *MORTGAGE CO

19. *CONTRACTOR/DEVELOPER

20. *PRIOR OWNER

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X9258(#1) Recode: type of institution

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2; not same institution as

one from which originally took out loan: X7568^=5)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X6442(#1) Roughly, how many miles was the office of the institution

where you originally took out the loan 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

WORKPLACE.

Code number of miles

51. *OVER 50 MILES

992. *FOREIGN LOCATION

-1. *LESS THAN A MILE

-2. *LOCATED AT WORK

-3. *TOLL-FREE PHONE

-4. *LOCAL POST BOX

-5. *INTERNET/ONLINE SERVICE

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2; not same institution as

one from which originally took out loan: X7568^=5;

original institution is one already listed in the

institutions roster: X7580 in (1, 2, 3, 4, 5, 6, 7))

X819(#1) What was the most important reason you chose the original lender?

What is the most important reason you chose this lender?

(Was it because they were recommended to you, because they

had low interest rates or fees, 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 RATES OR FEES

3. *LOCATION OF OFFICES

4. *OTHER BUSINESS WITH THEM

5. *EASY TO QUALIFY (for credit); only place that would

give us a loan

6. Many services in one place

10. Low fees/service charges

11. Personal relationship; they know me; know/like them;

R/Spouse works there

21. No choice -- assumed existing debt and lender from

previous owner

22. No choice--financed through contractor/developer/previous

owner/builder and this was their financial institution/

land contract

23. No choice, n.e.c.

24. Flexible loan terms; choice of loan terms

25. Handled VA loans/other government program

26. Participated in first time buyer program

27. Government-sponsored program, n.e.c.

32. Clear information

33. Mortgage sold to another lender

40. Current or past relationship through work, n.e.c.

-7. *OTHER REASON

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2)

*********************************************************

FOR THE PUBLIC DATA SET, CODE 25 IS COMBINED WITH

CODE 27

*********************************************************

X918(#2) Was the money from this loan used for the purchase of this

X1018(#3) home or for some other purpose?

1. *Home purchase

3. *Home improvements

-7. *Other (Coded using the MASTER LOAN PURPOSE LIST)

See MASTER LOAN PURPOSE LIST at X6723 for other codes

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no second mortgage: X830^=1/no third mortgage: X931^=1

or (X723=5 and X830^=1)

*********************************************************

SEE MASTER LOAN PURPOSE LIST FOR INFORMATION ON CODE

COLLAPSING FOR LOAN PURPOSE VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X820(#1) Is this an adjustable rate (land contract/loan/mortgage); that

X920(#2) is, does it have an interest rate that can rise or fall?

X1020(#3)

INCLUDE LOANS WHERE THE RATE CAN CHANGE ONLY ONCE, EVEN IF

THE CHANGE HAS ALREADY OCCURRED.

DO NOT INCLUDE RATE CHANGES DUE ONLY TO REFINANCING.

1. *YES

5. *NO

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/

no third mortgage: X931^=1 or (X723=5 and X830^=1)

X821(#1) Does the change in your interest rate depend on some other

interest rate?

1. *YES

5. *NO

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2; not adjustable rate: X820^=1)

X7060(#1) Has the interest rate on your current (land contract/loan/mortgage)

changed since you took it out?

DO NOT INCLUDE RATE CHANGES DUE ONLY TO REFINANCING.

1. *YES

5. *NO

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2; not adjustable rate: X820^=1)

X7061(#1) What was the interest rate on this (land contract/loan/mortgage)

when you took it out?

IF R HAS REFINANCED, WE WANT TO KNOW THE INITIAL RATE ON

THE CURRENT LOAN, NOT THE RATE ON THE ORIGINAL LOAN.

Code percent * 100

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2; not adjustable rate: X820^=1;

interest rate not changed: X7060=5)

X7062(#1) In what year can the rate first change?

Code year (4 digits)

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2; not adjustable rate: X820^=1;

interest rate has changed: X7060=1)

X7063(#1) After the first change, how often can your interest rate change?

How often can your interest rate change?

IF RATE CANNOT CHANGE AGAIN, CODE ZERO

Code number of times

-1. 0 times (cannot cahnge again)

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2; not adjustable rate: X820^=1)

X7064(#1) CODE FREQUENCY WITHOUT ASKING IF ALREADY MENTIONED.

Code frequency

1. Day

2. *Week

3. *Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *In total

11. Twice per year; every six months

12. Every two months

13. *Every three years

15. *Continuously floating rate; whenever rate changes

16. *Every seven years

17. Fixed for 2 or more years, then variable annually

22. Varies

25. Every two years

26. Every four years

27. Every five years

28. Every ten years

30. At seven years

31. *Twice a month

32. Every eight years

33. Initially fixed for 2 or more years, then variable

more frequently than annually

34. Initially fixed for 2 or more years, then variable

less frequently than annually or frequency NA

-7. *Other

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2; not adjustable rate: X820^=1)

X7065(#1) What is the most the rate can rise at any one time?

A BASIS POINT IS 1/100TH OF A PERCENTAGE POINT, SO ONE

BASIS POINT IS 0.01%.

IF R SAYS "POINTS," CLARIFY: Basis points or perecntage points?

Code percent * 100

-2. No limit

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2; not adjustable rate:

X820^=1; interest rate changing more than once after

first time: X7023>1)

X7066(#1) What was the highest level the rate could have gone up to?

WE WANT THE HIGHEST LEVEL THE RATE COULD HAVE REACHED,

NOT THE MAXIMUM ADDITIONAL AMOUNT THE RATE COULD RISE.

What is the highest level the rate can go up to over the

life of the loan?

WE WANT THE HIGHEST LEVEL THE RATE CAN REACH, NOT THE

MAXIMUM ADDITIONAL AMOUNT THE RATE COULD RISE.

Code percent * 100

-2. No limit

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2; not adjustable rate:

X820^=1; change in rate does not depend on other rate:

X821=5; rate can change again: X7063^=-1; no limit on

rate rise: X7065=-2)

X825(#1) When the interest rate on your (land contract/loan/mortgage)

(changes, does/changed, did) the size of your monthly

payments also change?

1. *YES

5. *NO

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2; not adjustable rate: X820^=1)

X7067(#1) Is this a convertible (land contract/loan/mortgage); that is, do

you have an option to convert it to a (land contract/loan/mortgage)

with a fixed interest rate without having to refinace it?

1. *YES

5. *NO

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2; not adjustable rate:

X820^=1; rate cannot change again: X7063=-1)

X7068(#1) Are any of the other terms on your loan scheduled to change

over the remaining life of the loan?

DO NOT INCLUDE THE POSSIBILITY OF CHANGES DUE TO FUTURE REFINANCING.

DO NOT INCLUDE FUTURE ELIMINATION OF PAYMENTS FOR PMI (PRIVATE

MORTGAGE INSURANCE) AS A PART OF R'S REGULAR MORTGAGE PAYMENTS.

1. *YES

5. *NO

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2; not adjustable rate: X820^=1)

X7069(#1) What terms will change and how will they change?

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no first mortgage: X723^=1 or 2; not adjustable rate:

X820^=1; other terms will not change: X7068=5)

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

OTHER LOAN USED TO PURCHASE PROPERTY

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

X1032 Do you owe money on any other loans used for the purchase of

this property, such as loans from relatives or the seller?

Do you owe money on any loans used for the purchase of

this property, such as loans from relatives or the seller?

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?

Do you and your family living here owe money on any loans

used for the purchase of this property, such as loans from

relatives or the seller?

IF YES, SAY: Please do not include home equity lines of credit.

1. *YES

5. *NO

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1)

In what month and year was this loan taken out?

X1033 Code month

1. *January

2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no other loan for home purchase: X1032^=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X1034 Code year (4 digits)

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no other loan for home purchase: X1032^=1)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-30

*********************************************************

X1035 How much was borrowed, not including finance charges?

Code amount

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no other loan for home purchase: X1032^=1)

X1036 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?

1. *Regular installment

2. *Other kind

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no other loan for home purchase: X1032^=1)

How many monthly payments or years were agreed upon when

the loan was received?

X1038 Code number of years

-1. No set number of years

-7. Unable to calculate from number of payments

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no other loan for home purchase: X1032^=1; not a

regular loan: X1036^=1)

X1037 Code number of payments

-1. No set number of payments

-7. Unable to calculate from number of years

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no other loan for home purchase: X1032^=1; not a

regular loan: X1036^=1)

X9160 Recode: term of loan in months

-1. No set number of years/payments

-7. Unable to calculate from number of years/payments

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no other loan for home purchase: X1032^=1; not a

regular loan: X1036^=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X1039 How much are the payments?

Code amount

-1. Nothing

-2. No regular payment

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no other loan for home purchase: X1032^=1; not a

regular loan: X1036^=1; no set number of payments:

X1038=-1)

X7567 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount paid?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only

11. *Twice per year

12. Every two months

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no other loan for home purchase: X1032^=1; not a

regular loan: X1036^=1; no set number of payments:

X1038=-1)

X1040 What is the typical payment?

Code amount

-1. Nothing

-2. No typical payment

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no other loan for home purchase: X1032^=1; regular

loan and regular payments: X1036=1 and X1039>0)

X1041 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount paid?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only

11. *Twice per year

12. Every two months

22. Varies

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no other loan for home purchase: X1032^=1; regular

loan and regular payments: X1036=1 and X1039>0)

X7566 Are you paying off this loan ahead of schedule, behind

schedule, or are the payments about on schedule?

1. *On schedule

2. *Ahead of schedule

3. *Behind schedule

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no other loan for home purchase: X1032^=1; not regular

loan: X1036^=1; no regular payment: X1039<=0)

In what month and year do you expect this loan to be repaid?

X1042 Code month

1. *January

2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no other loan for home purchase: X1032^=1; payments on

schedule: X7566=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X1043 Code year (4 digits)

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no other loan for home purchase: X1032^=1; payments on

schedule: X7566=1)

X1044 How much is still owed on this loan?

Code amount

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no other loan for home purchase: X1032^=1)

X1045 What is the current annual rate of interest being charged

on this loan?

Code percent * 100

-1. Nothing

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no other loan for home purchase: X1032^=1)

X1046 Please look at the list of institutions you wrote down.

Is the loan with any of the institutions on the list, or from

someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED

AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution

is that?)

Please look at the Institutions Card. Is the loan with any

of the institutions on the Institutions Card, or from

someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS

MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of

institution is that?)

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no other loan for home purchase: X1032^=1)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMMERCIAL BANK; trust company

12. *S&L/SAVINGS BANK

13. *CREDIT UNION

14. *FINANCE/LOAN CO

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X9086 Recode: type of institution

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no other loan for home purchase: X1032^=1)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

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

LINES OF CREDIT

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

X1101 Do you have any lines of credit, not counting credit cards

or business lines of credit? Please include approved lines of

credit even if you are not currently drawing against them.

Do you have a home equity line of credit or any other lines

of credit, not counting credit cards or business lines of

credit? Please include approved lines of credit even if you

are not currently drawing against them.

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 approved lines of credit even if you

are not currently drawing against them.

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 approved lines of credit even if you are not currently

drawing against them.

SIMILARLY TO A CREDIT CARD AGREEMENT, A LINE OF CREDIT

ALLOWS A PERSON TO BORROW AS THEY SEE FIT UP TO A MAXIMUM LIMIT.

A HOME EQUITY LINE OF CREDIT IS A LINE OF CREDIT SECURED BY

THE EQUITY IN A HOME.

INCLUDE CHECKING ACCOUNT OVERDRAFT PROTECTION.

1. *YES

5. *NO

X1102 How many lines of credit do you have?

How many lines of credit do you and your family living here

have?

Code number

0. Inap. (no lines of credit: X1101=5)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 5

*********************************************************

X6686 Originally reported value of X1102 (see introduction)

Code number

0. Inap. (no lines of credit: X1101=5)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 5

*********************************************************

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

#1 refers to first line of credit

#2 refers to second line of credit

#3 refers to third line of credit

#4 refers to all remaining lines of credit

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

X1103(#1) Is this line of credit secured by the equity in your home?

X1114(#2)

X1125(#3) Is the largest line of credit secured by the equity in your home?

Is the next line of credit secured by the equity in your home?

1. *YES

5. *NO

0. Inap. (no lines of credit: X1101=5/no second line of

credit: X1102<2/no third line of credit: X1102<3;

does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and

X7133^=1)

X1105(#1) Do you currently owe any money on this line?

X1116(#2)

X1127(#3)

1. *YES

5. *NO

0. Inap. (no lines of credit: X1101=5/no second line of

credit: X1102<2/no third line of credit: X1102<3)

X7141(#1) How much did you borrow the most recent time you used this

X7142(#2) line?

X7143(#3)

Code amount

0. Inap. (no lines of credit: X1101=5/no second line of

credit: X1102<2/no third line of credit: X1102<3;

not currently borrowing: X1105^=1/X1116^=1/X1127^=1)

X1106(#1) What was the money used for? (What was its major use?)

X1117(#2)

X1128(#3) See MASTER LOAN PURPOSE LIST at X6723.

0. Inap. (no lines of credit: X1101=5/no second line of

credit: X1102<2/no third line of credit: X1102<3;

not currently borrowing: X1105^=1/X1116^=1/X1127^=1)

*********************************************************

SEE MASTER LOAN PURPOSE LIST FOR INFORMATION ON CODE

COLLAPSING FOR LOAN PURPOSE VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X1108(#1) How much is currently owed?

X1119(#2)

X1130(#3) Code amount

0. Inap. (no lines of credit: X1101=5/no second line of

credit: X1102<2/no third line of credit: X1102<3;

not currently borrowing: X1105^=1/X1116^=1/X1127^=1)

X1109(#1) What is the typical payment?

X1120(#2)

X1131(#3) Code amount

-1. Nothing

-2. No typical payment

0. Inap. (no lines of credit: X1101=5/no second line of

credit: X1102<2/no third line of credit: X1102<3;

not currently borrowing: X1105^=1/X1116^=1/X1127^=1)

X1110(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

X1121(#2) (And how often is it made?)

X1132(#3)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only

11. *Twice per year

12. Every two months

22. Varies

31. *Twice a month

-1. NO PAYMENT

-2. NO TYPICAL PAYMENTS

-7. *Other

0. Inap. (no lines of credit: X1101=5/no second line of

credit: X1102<2/no third line of credit: X1102<3;

not currently borrowing: X1105^=1/X1116^=1/X1127^=1)

X1111(#1) What is the current annual rate of interest being charged

X1122(#2) on this loan?

X1133(#3)

Code percent * 100

-1. Nothing

0. Inap. (no lines of credit: X1101=5/no second line of

credit: X1102<2/no third line of credit: X1102<3;

not currently borrowing: X1105^=1/X1116^=1/X1127^=1)

X1112(#1) Please look at the list of institutions you wrote down.

X1123(#2) Is this line of credit with any of the institutions on the

X1134(#3) list, or from someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED

AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution

is that?)

Please look at the Institutions Card. Is this line of

credit with any of the institutions on the Institutions

Card, or from someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS

MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of

institution is that?)

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (no lines of credit: X1101=5/no second line of

credit: X1102<2/no third line of credit: X1102<3)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMMERCIAL BANK; trust company

12. *S&L/SAVINGS BANK

14. *FINANCE/LOAN CO

16. *BROKERAGE

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X9087(#1) Recode: type of institution

X9088(#2)

X9089(#3) See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (no lines of credit: X1101=5/no second line of

credit: X1102<2/no third line of credit: X1102<3)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X1104(#1) (Including what you owe now,) what is the maximum amount

X1115(#2) you could owe on this line of credit? That is, what is

X1126(#3) your total credit limit on this line?

INTERVIEWER: WE WANT THE TOTAL OF WHAT IS OWED NOW AND

THE REMAINING AMOUNT OF CREDIT AVAILABLE ON THE LINE.

Code amount

-1, DRAW PERIOD OVER

0. Inap. (no lines of credit: X1101=5/no second line of

credit: X1102<2/no third line of credit: X1102<3)

X1136(#4) What is the total amount that you currently owe on all

other remaining lines of credit?

What is the total amount that you and your family living

here currently owe on all other remaining lines of credit?

Code amount

-1. Nothing

0. Inap. (no lines of credit: fewer than four lines

credit: X1102<4)

X8401(#4) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (Does not have any lines of credit: X1101=5;

fewer than four lines of credit: X1102<4; did

break off early in grid)

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

HOME IMPROVEMENTS

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

X1201 Have you ever made any major additions or done extensive

remodeling to this property?

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. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1)

X1202 Roughly what was the total cost of all remodeling or

additions to this property?

Code amount

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1)

X1203 Other than what I have already recorded, do you owe any

money on loans taken out for these projects?

Other than what I have already recorded, do you or your

family living here owe any money on loans taken out for

these projects?

1. *YES

5. *NO

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1)

In what month and year was the most recent loan taken out?

X1204 Code month

1. *January

2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1; no home improvement loan:

X1203^=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X1205 Code year (4 digits)

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1; no home improvement loan:

X1203^=1)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-30

*********************************************************

X1206 How much was borrowed, not including finance charges?

Code amount

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1; no home improvement loan:

X1203^=1)

X1207 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?

1. *Regular installment

2. *Other kind

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1; no home improvement loan:

X1203^=1)

How many monthly payments or years were agreed upon when

the loan was received?

X1209 Code number of years

-1. No set number of years

-7. Unable to calculate from number of payments

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1; no home improvement loan:

X1203^=1; not a regular loan: X1207^=1)

X1208 Code number of payments

-1. No set number of payments

-7. Unable to calculate from number of years

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1; no home improvement loan:

X1203^=1; not a regular loan: X1207^=1)

X9161 Recode: term of loan in months

-1. No set number of years/payments

-7. Unable to calculate from number of years/payments

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1; no home improvement loan:

X1203^=1; not a regular loan: X1207^=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X1210 How much are the payments?

Code amount

-1. Nothing

-2. No regular payment

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1; no home improvement loan:

X1203^=1; not a regular loan: X1207^=1;

no set number of payments: X1209=-1)

X7565 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often are they made?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only

11. *Twice per year

12. Every two months

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1; no loan for home

improvements: X1203^=1; not a regular loan: X1207^=1;

no set number of payments: X1209=-1)

X1211 What is the typical payment?

Code amount

-1. Nothing

-2. No typical payment

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1; no loan for home

improvements: X1203^=1; not a regular loan and regular

payments: X1210>0)

X1212 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is it made?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only

11. *Twice per year

12. Every two months

22. Varies

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1; no loan for home

improvements: X1203^=1; not a regular loan and regular

payments: X1210>0)

X7564 Are you paying off this loan ahead of schedule, behind

schedule, or are the payments about on schedule?

1. *On schedule

2. *Ahead of schedule

3. *Behind schedule

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1; no loan for home

improvements: X1203^=1; not a regular loan: X1207^=1;

no regular payment: X1210<=0)

In what month and year do you expect this loan to be repaid?

X1213 Code month

1. *January

2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1; no loan for home

improvements: X1203^=1; payments on schedule: X7564=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X1214 Code year (4 digits)

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1; no loan for home

improvements: X1203^=1; payments on schedule: X7564=1)

X1215 How much is still owed on this loan?

Code amount

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1; no loan for home

improvements: X1203^=1)

X1216 What is the current annual rate of interest being charged

on this loan?

Code percent * 100

-1. Nothing

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1; no loan for home

improvements: X1203^=1)

X1217 Please look at the list of institutions you wrote down.

Is the loan with any of the institutions on the list, or from

someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED

AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution

is that?)

Please look at the Institutions Card. Is the loan with any

of the institutions on the Institutions Card, or from

someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS

MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of

institution is that?)

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1; no loan for home

improvements: X1203^=1)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMMERCIAL BANK

12. *S&LSAVINGS BANK

13. *CREDIT UNION

14. *FINANCE/LOAN CO

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X9090(#1) Recode: type of institution

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and X7133^=1;

no improvements: X1201^=1; no loan for home

improvements: X1203^=1)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X1218 Do you owe money on more than one loan for home additions

or improvements to this property?

1. *YES

5. *NO

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and

X7133^=1; no improvements: X1201^=1; no home

improvement loan: X1203^=1)

X1219 Altogether, how much is still owed on all other loans for

additions or improvements to this property?

Code amount

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and

X7133^=1; no improvements: X1201^=1; no home

improvement loan: X1203^=1; no additional home

improvement loans: X1218^=1)

X1220 Altogether, how much are the payments?

Code amount

-1. None

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and

X7133^=1; no improvements: X1201^=1; no home

improvement loan: X1203^=1; no additional home

improvement loans: X1218^=1)

X1221 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often are they made?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only

11. *Twice per year

12. Every two months

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and

X7133^=1; no improvements: X1201^=1; no home

improvement loan: X1203^=1; no additional home

improvement loans: X1218^=1)

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

RENT OUT ANY PORTION OF PROPERTY

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

X1223 Do you rent out any portion of this (house or

lot/apartment/mobile/home/building) to others?

1. *YES

5. *NO

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and

X7133^=1)

X1224 How much rent do you collect?

Code amount

-1. Nothing

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and

X7133^=1; does not rent part of home: X1223^=1)

X1225 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount collected?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

11. *Twice per year

12. Every two months

31. *Twice a month

-1. No rent collected

-7. *Other

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and

X7133^=1; does not rent part of home: X1223^=1)

X1226 Have you (OR your [husband/wife/partner]) ever owned a home

before this one?

1. *YES

5. *NO

0. Inap. (Does not own any part of HU: X508^=1 or 2 and

X601^=1, 2, or 3 and X701^=1, 3, 4, 5, 6, or 8 and

X7133^=1)

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

LAND CONTRACTS AND NOTES GIVEN BY R

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

X1401 Have you ever sold any real estate for which you loaned

money to the buyer? Please include accepting a note, land

contract, or mortgage from the buyer.

Have you or anyone in your family living here ever sold

any real estate for which you loaned money to the buyer?

Please include accepting a note, land contract, or mortgage

from the buyer.

1. *YES

5. *NO

X1402 Does the buyer still owe you money on any of these notes,

land contracts, or mortgages?

Does the buyer still owe your family money on any of these

notes, land contracts, or mortgages?

1. *YES

5. *NO

0. Inap. (Never made any such loans: X1401=5)

X1403 Altogether, on how many such loans are you owed money?

Altogether, on how many such loans is your family owed money?

Code number

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 15

*********************************************************

X6687 Originally reported value of X1403 (see introduction)

Code number

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 15

*********************************************************

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

#1 refers to first loan

#2 refers to second loan

#3 refers to third loan

#4 refers to all remaining loans

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

X1404(#1) About this loan, is it a land contract, a mortgage, or

X1504(#2) something else?

X1604(#3)

About the largest loan, is it a land contract, a mortgage,

or something else?

About the next largest loan, is it a land contract, a

mortgage, or something else?

1. *land contract/lease purchase

2. *mortgage

3. *something else/other type of personal loan

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1/fewer than 2 loans: X1403<2/

fewer than 3 loans: X1403<3)

X1405(#1) How much are you owed on this note?

X1505(#2)

X1605(#3) How much are you and your family owed on this note?

Code amount

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1/fewer than 2 loans: X1403<2/

fewer than 3 loans: X1403<3; loan is land contract or

mortgage: X1401=1 or 2/X1504=1 or 2/X1604=1 or 2)

In what month and year was this loan taken out?

X1406(#1) Code month

X1506(#2) 1. *January

X1606(#3) 2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1/fewer than 2 loans: X1403<2/

fewer than 3 loans: X1403<3; loan is not land contract

or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X1407(#1) Code year (4 digits)

X1507(#2) 0. Inap. (Never made any such loans: X1401=5; no such

X1607(#3) loans currently: X1402^=1/fewer than 2 loans: X1403<2/

fewer than 3 loans: X1403<3; loan is not land contract

or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-30

*********************************************************

X1408(#1) How much money did you lend the borrower?

X1508(#2)

X1608(#3) How much money did your family lend the borrower?

Code amount

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1/fewer than 2 loans: X1403<2/

fewer than 3 loans: X1403<3; loan is not land contract

or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2)

X1409(#1) How much is still owed on this loan?

X1509(#2)

X1609(#3) Code amount

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1/fewer than 2 loans: X1403<2/

fewer than 3 loans: X1403<3; loan is not land contract

or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2)

X1410(#1) How much are the loan payments?

X1510(#2)

X1610(#3) Code amount

-1. Nothing

-2. No regular payments

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1/fewer than 2 loans: X1403<2/

fewer than 3 loans: X1403<3; loan is not land contract

or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2)

X1411(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

X1511(#2) (And how often is that amount paid?)

X1611(#3)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only

11. *Twice per year

12. Every two months

22. Varies

31. *Twice a month

-1. Nothing

-2. No regular payments

-7. *Other

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1/fewer than 2 loans: X1403<2/

fewer than 3 loans: X1403<3; loan is not land contract

or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2)

When the loan was taken out, was it agreed upon that there

were going to be a number of years , a number of payments,

or was there no set number of years or payments?

X1412(#1) Code number of years

X1512(#2) -1. No set number of years

X1612(#3) 0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1/fewer than 2 loans: X1403<2/

fewer than 3 loans: X1403<3; loan is not land contract

or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2;

number of payments given: X1413>0/X1513>0/X1613>0)

X1413(#1) Code number of payments

X1513(#2) -1. No set number of payments

X1613(#3) 0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1/fewer than 2 loans: X1403<2/

fewer than 3 loans: X1403<3; loan is not land contract

or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2;

number of years given: X1412>0/X1512>0/X1612>0)

X1414(#1) Will the regular payments pay off the loan completely or

X1514(#2) will there be a balance payable or "balloon" when the loan

X1614(#3) is due?

IF R IS REQUIRED TO REFINANCE THE LOAN AFTER A FIXED

PERIOD, CHOOSE "BALANCE PAYABLE OR BALLOON" AND MAKE

A NOTE.

1. *REPAID COMPLETELY

5. *BALANCE PAYABLE OR BALLOON

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1/fewer than 2 loans: X1403<2/

fewer than 3 loans: X1403<3; loan is not land contract

or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2;

no set number of payments: X1413=-1/X1513=-1/X1613=-1)

X1415(#1) What will the balance payable or balloon payment be?

X1515(#2)

X1615(#3) Code amount

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1/fewer than 2 loans: X1403<2/

fewer than 3 loans: X1403<3; loan is not land contract

or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2;

no set number of payments: X1413=-1/X1513=-1/X1613=-1;

no balloon payment: X1414^=5/X1514^=5/X1614^=5)

X1416(#1) Do you still owe any money on loans for this property?

X1516(#2)

X1616(#3) Do you or your family living here still owe any money

on loans for this property?

1. *YES

5. *NO

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1/fewer than 2 loans: X1403<2/

fewer than 3 loans: X1403<3)

X1417(#1) How much do you still owe?

X1517(#2)

X1617(#3) Code amount

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1/fewer than 2 loans: X1403<2/

fewer than 3 loans: X1403<3; R owes no money on property

X1416^=1/X1516^=1/X1616^=1)

X1619(#4) About how much in total is owed to you on the remaining

notes, land contracts, or mortgages?

About how much in total is owed to your family on the

remaining notes, land contracts, or mortgages?

Code amount

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1; fewer than 4 loans: X1403<4)

X8402(#4) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1; did not break off early in

grid)

X1620(#4) Do you still owe any money on loans for these other

properties?

Do you or your family here still owe any money on loans

for these other properties?

1. *YES

5. *NO

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1; fewer than 4 loans: X1403<4)

X8403(#4) Original value for Rs who did not provide complete

information within the grid structure (see introduction)

1. *YES

5. *NO

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1; did not break off early in

grid)

X1621(#4) Altogether how much do you still owe?

Altogether how much does your family still owe?

Code amount

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1; fewer than 4 loans: X1403<4;

R owes no money on properties: X1620^=1)

X8404(#4) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (Never made any such loans: X1401=5; no such

loans currently: X1402^=1; did not break off early in

grid; no money owed on properties underlying loans:

X8403^=1)

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

INVESTMENT REAL ESTATE AND VACATION PROPERTIES

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

X1700 Do you own any (other) real estate such as a lot, vacation

home, timeshare, apartment building, commercial property, or

other investment property, including properties owned in

partnership with other people?

Do you or anyone in your family living here own any (other)

real estate such as a lot, vacation home, timeshare,

apartment building, commercial property, or other investment

property, including properties owned in partnership with

other people?

1. *YES

5. *NO

X7555 Are any of these properties owned by a business?

(IF YES, SAY: I'll ask about those properties later).

1. *YES

5. *NO

0. Inap. (No properties: X1700=5)

X1701 How many properties that are not owned by a business do

you own or have an interest in?

How many properties that are not owned by a business do you

and your family living here own or have an interest in?

Earlier you told me you own your home separately from the

other unit you own on the property. Please include the

rest of the property here.

RECORD DETAILS FOR EACH PROPERTY SEPARATELY.

EXCEPTION: TREAT PARCELS OF LAND OR GROUPS OF BUILDINGS

MANAGED TOGETHER AS ONE PROPERTY, IF THAT IS EASIER FOR R.

Code number

-1. None

0. Inap. (No properties: X1700=5)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 20

*********************************************************

X6688 Originally reported value of X1701 (see introduction)

Code number

-1. None

0. Inap. (No properties: X1700=5)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 20

*********************************************************

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

#1 refers to first property

#2 refers to second property

#3 refers to third property

#4 refers to all remaining vacation properties

#5 refers to all remaining properties other than vacation properties

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

X1703(#1) I would like to ask first about the property where you live.

X1803(#2) In the questions that follow, please give me the amounts

X1903(#3) for the building excluding your unit.

I would like to ask first about the most valuable property.

About the property.....

About the next most valuable property.....

What type of property is this?

IF PROPERTY IS RESIDENTIAL, PROBE FOR NUMBER OF UNITS.

10. Farm/Ranch -- any mention

11. Land only: Lot, tract, acreage; building lots; "farmland"

12. Substantial land and seasonal or other residence (except 14)

13. Substantial land and some other type of structure

14. Substantial land and trailer/mobile home

15. Recreational property; sports field; golf course

21. Seasonal/vacation house (winter/summer home; cottage;

etc.); other additional home

22. Trailer/Mobile Home

24. Mobile home park

25. Time-share ownership -- any

40. One single family house

41. Multiple single family houses

42. Duplex 2 unit residence

43. Triplex - 3 unit residence

44. Fourplex - 4 unit residence

45. 5 or more unit residence

46. "Apartment house" -- # of units unknown; "rental units" or

"property", n.f.s.

47. Other business/commercial property (exc. 41-46, 48)

48. Business/commercial and residential combination

49. Condominium; co-op

50. Residential, n.e.c.

51. Garage

52. Burial lot

999. Misc. vacation property mapped from mop-up question

-7. Other, including combination of types on one

property (except for code 48)

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1)

*********************************************************

FOR THE PUBLIC DATA SET, CODES 13, 14, AND 22

ARE COMBINED WITH CODE 12; CODE 24 IS COMBINED

WITH CODE 50; CODE 25 IS COMBINED WITH CODE 21;

CODES 43 AND 44 COMBINED WITH CODE 42; CODES 48 AND

15 ARE COMBINED WITH CODE 47; CODE 46 IS COMBINED WITH

CODE 45; CODE 52 IS COMBINED WITH CODE -7

*********************************************************

X1704(#1) Is this property owned by you, is it owned jointly with

X1804(#2) others, owned by a partnership, is it a timeshare, or what?

X1904(#3)

Is this property owned by you and your family living here,

is it owned jointly with others, owned by a partnership,

is it a timeshare, or what?

1. *OWNED BY R OR FAMILY LIVING HERE

2. *OWNED JOINTLY

3. *PARTNERSHIP; limited partnership

5. *TIMESHARE

8. Property moved from mopup and assumed to be all R's (value

collected in mopup is R's share)

10. Corporation NEC

11. Trust, n.e.c. or not specified

12. Limited liability Company (LLC)

13. Lease hold or other very long-term control of property, n.e.c.

-7. *OTHER

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3)

*********************************************************

FOR THE PUBLIC DATA SET, CODE 13 IS COMBIMED WITH

CODE 11

*********************************************************

X1705(#1) What percentage of the property do you own?

X1805(#2)

X1905(#3) What percentage of the property do you and your family

living here own?

Code percent * 100

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3)

NOTE: For timeshares, ownership is always taken as 100 percent.

X1706(#1) How much in total is this timeshare worth?

X1806(#2)

X1906(#3) How much in total is this property worth?

I mean, without taking any outstanding loans into account,

what would it bring if it were sold today?

INTERVIEWER: WE WANT THE TOTAL VALUE OF THE PROPERTY, NOT

JUST R'S SHARE. (asked if property not a time share)

Code amount

-1. Nothing

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3)

In what month and year did you first purchase this property?

In what month and year did you first purchase any part of

this property?

In what month and year did you first purchase this timeshare?

(INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.)

IF THE PROPERTY WAS ACQUIRED/INHERITED/BUILT AT DIFFERENT

TIMES, RECORD THE EARLIEST DATE.

X1707(#1) Code month

X1807(#2) 1. *January

X1907(#3) 2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X1708(#1) Code year (4 digits)

X1808(#2) 0. Inap. (No properties: X1700=5; no properties not owned

X1908(#3) by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-60

*********************************************************

X1710(#1) CODE GIFT/INHERITANCE

X1810(#2) 1. *GIFT/INHERITANCE

X1910(#3) 5. *R PURCHASED

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3)

X1709(#1) What was the value of the property when received?

X1809(#2)

X1909(#3) What was the purchase price of your timeshare?

What was the total purchase price?

Code amount

-1. Nothing

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3)

X1711(#1) Are there any outstanding loans or mortgages on this property?

X1811(#2)

X1911(#3) Are there any outstanding loans or mortgages on this timeshare?

1. *YES

5. *NO

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3)

In what month and year did you obtain or last refinance the loan?

IF R ASSUMED/REFINANCED THE LOAN, RECORD THE DATE ASSUMED/REFINANCED.

X1712(#1) Code month

X1812(#2) 1. *January

X1912(#3) 2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X1713(#1) Code year (4 digits)

X1813(#2) 0. Inap. (No properties: X1700=5; no properties not owned

X1913(#3) by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-30

*********************************************************

X1714(#1) How much was borrowed or refinanced for your timeshare?

X1814(#2)

X1914(#3) In total, how much was borrowed or refinanced?

Code amount

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1)

X1715(#1) How much is still owed?

X1815(#2)

X1915(#3) In total, how much is still owed?

Code amount

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1)

How many years or what number of payments were agreed upon

when the loan was taken out?

In total, how many years or what number of payments were

agreed upon when the loan was taken out?

X1716(#1) Code number of years

X1816(#2) -1. No set number of years

X1916(#3) -7. Unable to calculate from number of payments

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1)

X1717(#1) Code number of payments

X1817(#2) -1. No set number of payments

X1917(#3) -7. Unable to calculate from number of years

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1)

X9157(#1) Recode: Term of loan in months

X9158(#2)

X9159(#3) Code months

-1. No set number of years/payments

-7. Unable to calculate from number of payments/years

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X1718(#1) How much are the payments?

X1818(#2)

X1918(#3) In total, how much are the payments?

EXCLUDE TAXES, INSURANCE, IF POSSIBLE.

Code amount

-1. Nothing

-2. No regular payments

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1; no set number of payments:

X1716=-1/X1816=-1/X1916=-1)

X1719(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

X1819(#2) (And how often is that amount paid?)

X1919(#3)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only

11. *Twice per year

12. Every two months

22. Varies

23. 13 times a year; every 4 weeks

24. Every 6 weeks

31. *Twice a month

-1. NO PAYMENT

-2. NO REGULAR PAYMENTS

-7. *Other

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1; no set number of payments:

X1716=-1/X1816=-1/X1916=-1)

X1723(#1) What is the typical payment?

X1823(#2)

X1923(#3) EXCLUDE TAXES, INSURANCE, IF POSSIBLE.

Code amount

-1. None

-2. NO TYPICAL PAYMENTS

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1; set number of payments and

positive amount of payments: X1716^=-1 and X1718>0/

/X1816^=-1 ad X1818>0/X1916^=-1 and X1918>0)

X1724(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

X1824(#2) (And how often is it made?)

X1924(#3)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only

11. Twice per year

12. Every two months

22. Varies

23. 13 times a year; every 4 weeks

24. Every 6 weeks

31. *Twice a month

-1. NO PAYMENT

-2. NO TYPICAL PAYMENTS

-7. *Other

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1; set number of payments and

positive amount of payments: X1716^=-1 and X1718>0/

/X1816^=-1 ad X1818>0/X1916^=-1 and X1918>0)

X1720(#1) Does this amount include property taxes or insurance?

X1820(#2)

X1920(#3) INTERVIEWER: PROBE FOR WHICH.

1. *TAXES ONLY

2. *INSURANCE ONLY

3. *BOTH

4. *NEITHER

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1; no typical payment:

X1723=-1 or -1/X1823=-1 or -2/X1923=-1 or -2)

X1721(#1) Will the regular payments repay the loan completely or will

X1821(#2) there be a balance payable, or "balloon" payment when the

X1921(#3) loan is due?

1. *REPAY COMPLETELY

5. *BALANCE PAYABLE/BALLOON

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1; no typical payment:

X1723=-1 or -1/X1823=-1 or -2/X1923=-1 or -2)

X1722(#1) What will the balance due or balloon payment be?

X1822(#2)

X1922(#3) Code amount

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1; no typical payment:

X1723=-1 or -1/X1823=-1 or -2/X1923=-1 or -2; no

balloon payment: X1721^=2/X1821^=2/X1921^=2)

X7554(#1) Is this loan being paid off ahead of schedule, behind

X7553(#2) schedule, or are the payments about on schedule?

X7552(#3)

1. *ON SCHEDULE

2. *AHEAD OF SCHEDULE

3. *BEHIND SCHEDULE

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1; no set number of payments:

X1716=-1/X1816=-1/X1916=-1; no typical payment:

X1723=-1 or -1/X1823=-1 or -2/X1923=-1 or -2)

X1725(#1) When do you expect this loan to be repaid?

X1825(#2)

X1925(#3) Code year (4 digits)

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1;loan on schedule: X7554=1/

X7553=1/X7552=1)

X1726(#1) What is the current annual interest rate being charged on

X1826(#2) the loan?

X1926(#3)

Code percent * 100

-1. No interest

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1)

X1727(#1) Does this loan have an adjustable rate? That is, does it

X1827(#2) have an interest rate that can rise and fall from time to time?

X1927(#3)

1. *YES

5. *NO

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1)

X1728(#1) Please look at the list of institutions you wrote down.

X1828(#2) Is the loan with any of the institutions on the list, or from

X1928(#3) someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED

AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution

is that?)

Please look at the Institutions Card. Is the loan with any

of the institutions on the Institutions Card, or from

someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS

MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of

institution is that?)

WE WANT THE INSTITUTION THAT CURRENTLY HOLDS THE MORTGAGE,

NOT THE INSTITUTION WHERE R ORIGINALLY TOOK OUT THE LOAN.

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMMERCIAL BANK; trust company

12. *S&L/SAVINGS BANK

14. *FINANCE/LOAN CO

17. *INSURANCE CO

18. *MORTGAGE CO

19. *CONTRACTOR/DEVELOPER

20. *PRIOR OWNER

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X9099(#1) Recode: type of institution

X9100(#2)

X9101(#3) See MASTER INSTITUTION LIST for other codes (See X308)

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no loan on property:

X1711^=1/X1811^=1/X1911^=1)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X1729(#1) Did you receive any income from this property in 2003?

X1829(#2)

X1929(#3) Did your family living here receive any income from this

property in 2003?

1. *YES

5. *NO

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3)

X1730(#1) How much gross income did you receive?

X1830(#2)

X1930(#3) How much gross income did your family receive?

INCOME BEFORE ANY DEDUCTIONS FOR LOANS, TAXES, OR OTHER

EXPENSES.

Code amount

-1. Nothing

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1/fewer than 2 properties: X1701<2/

fewer than 3 properties: X1701<3; no income from property:

X1719^-1/X1819^=1/X1929^=1)

X2001(#4) About the remaining properties that you own, are any of these

vacation homes or land you use for recreational purposes?

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. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4)

X8405(#4) Original value for Rs who did not provide complete

information within the grid structure (see introduction)

1. *YES

5. *NO

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid)

X2002(#4) How much in total is your share of these vacation homes or

recreational property worth?

How much in total is your family's share of these vacation

homes or recreational property worth?

Code amount

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4; 4 or more properties, but no vacation

properties beyond 3rd property: X1701>=4 and

X2001^=1)

X8406(#4) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid; no vacation properties among residual: X8405^=1)

X2003(#4) What was your total purchase price for these properties?

What was your family's total purchase price for these

properties?

(INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.)

Code amount

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties

X1701<4; 4 or more properties, but no vacation:

properties beyond 3rd property: X1701>=4 and

X2001^=1)

X8407(#4) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid; no vacation properties among residual: X8405^=1)

X2004(#4) CODE GIFT/INHERITANCE

1. *GIFT/INHERITANCE

5. *R PURCHASED

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4; 4 or more properties, but no vacation

properties beyond 3rd property: X1701>=4 and

X2001^=1)

X8408(#4) Original value for Rs who did not provide complete

information within the grid structure (see introduction)

Code gift/inheritance

1. GIFT/INHERITANCE

5. R PURCHASED

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid; no vacation properties among residual: X8405^=1)

X2005(#4) Are there any mortgages or loans outstanding against these

vacation homes or recreational land?

1. *YES

5. *NO

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4; 4 or more properties, but no vacation

properties beyond 3rd property: X1701>=4 and

X2001^=1)

X8409(#4) Original value for Rs who did not provide complete

information within the grid structure (see introduction)

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid; no vacation properties among residual: X8405^=1)

X2006(#4) Altogether, about how much is owed on your share of these

mortgages or loans?

Altogether, about how much is owed on your family's share

of these mortgages or loans?

Code amount

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4; 4 or more properties, but no vacation

properties beyond 3rd property: X1701>=4 and

X2001^=1; no loans on property: X2005^=1)

X8410(#4) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid; no vacation properties among residual: X8405^=1;

no mortgages on residual vacation properties: X8409^=1)

X2007(#4) How much are the payments on these loans or mortgages?

How much are the payments on your family's share of these

loans or mortgages?

Code amount

-1. Nothing

-2. No regular payments

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4; 4 or more properties, but no vacation

properties beyond 3rd property: X1701>=4 and

X2001^=1; no loans on property: X2005^=1)

X2008(#4) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount paid?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only

11. *Twice per year

12. Every two months

22. Varies

23. 13 times a year; every 4 weeks

24. Every 6 weeks

31. *Twice a month

-1. NO PAYMENT

-2. NO REGULAR PAYMENTS

-7. *Other

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4; 4 or more properties, but no vacation

properties beyond 3rd property: X1701>=4 and

X2001^=1; no loans on property: X2005^=1)

X8411(#4) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid; no vacation properties among residual: X8405^=1;

no mortgages on residual vacation properties: X8409^=1)

X8412(#4) Original value of frequency.

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only

11. *Twice per year

12. Every two months

22. Varies

23. 13 times a year; every 4 weeks

24. Every 6 weeks

31. *Twice a month

-1. NO PAYMENT

-2. NO REGULAR PAYMENTS

-7. *Other

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid; no vacation properties among residual: X8405^=1;

no mortgages on residual vacation properties: X8409^=1)

X2009(#4) Did you receive any income in 2003 from renting out these

vacation homes or recreational land?

Did you or your family living here receive any income in 2003

from renting out these vacation homes or recreational land?

1. *YES

5. *NO

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4; 4 or more properties, but no vacation

properties beyond 3rd property: X1701>=4 and

X2001^=1)

X8413(#4) Original value for Rs who did not provide complete

information within the grid structure (see introduction)

1. *YES

5. *NO

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid; no vacation properties among residual: X8405^=1)

X2010(#4) Altogether, how much gross income did you receive?

Altogether, how much gross income did your family receive?

INCOME BEFORE ANY DEDUCTIONS FOR LOANS, TAXES, OR OTHER

EXPENSES.

Code amount

-1. Nothing

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4; 4 or more properties, but no vacation

properties beyond 3rd property: X1701>=4 and

X2001^=1; no income from property: X2009^=1)

X8414(#4) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid; no vacation properties among residual: X8405^=1;

no rental income on residual vacation properties X8413^=1)

X2011(#5) Now I will ask a few details about all the remaining

properties of the (value of X6688) properties you told me

you have.

Do you have any other properties?

Do you and your family have any other properties?

Now I will ask a few details about all the remaining properties

you told me you have.

1. *YES

5. *NO

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4; 4 properties and one vacation properties

beyond 3rd property: X1701=4 and X2001=1)

X8415(#5) Original value for Rs who did not provide complete

information within the grid structure (see introduction)

1. *YES

5. *NO

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid)

X2012(#5) For the remaining properties that you own, about how much

in total is your share worth? I mean, what could you sell

them for?

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 amount

-1. Nothing

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4; 4 properties and one vacation properties

beyond 3rd property: X1701=4 and X2001=1)

X8416(#5) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid; no remaining properties among residual: X8415^=1)

X2013(#5) About how much was your total purchase price for these

properties?

About how much was your family's total purchase price for

these properties?

(INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.)

Code amount

-1. Nothing

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4; 4 properties and one vacation properties

beyond 3rd property: X1701=4 and X2001=1)

X8417(#5) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid; no remaining properties among residual: X8415^=1)

X2014(#5) CODE GIFT/INHERITANCE

1. GIFT/INHERITANCE

5. R PURCHASED

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4; 4 properties and one vacation properties

beyond 3rd property: X1701=4 and X2001=1)

X8418(#5) Original value for Rs who did not provide complete

information within the grid structure (see introduction)

Code gift/inheritance

1. GIFT/INHERITANCE

5. R PURCHASED

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid; no remaining properties among residual: X8415^=1)

X2015(#5) Are there mortgages or loans outstanding against these

properties?

1. *YES

5. *NO

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4; 4 properties and one vacation properties

beyond 3rd property: X1701=4 and X2001=1)

X8419(#5) Original value for Rs who did not provide complete

information within the grid structure (see introduction)

1. *YES

5. *NO

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid; no remaining properties among residual: X8415^=1)

X2016(#5) Altogether, about how much is owed on your share of these

mortgages or loans?

Altogether, about how much is owed on your family's share of

these mortgages or loans?

Code amount

-1. Nothing

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4; 4 properties and one vacation properties

beyond 3rd property: X1701=4 and X2001=1;

no loans on property: X2015^=1)

X8420(#5) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid; no remaining properties among residual: X8415^=1;

no mortgages on remaining properites: X8419^=1)

X2017(#5) How much are the payments on these loans or mortgages?

How much are the payments on your family's share of these

loans or mortgages?

Code amount

-1. Nothing

-2. No typical payment

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4; 4 properties and one vacation properties

beyond 3rd property: X1701=4 and X2001=1;

no loans on property: X2015^=1)

X2018(#5) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount paid?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only

11. *Twice per year

12. Every two months

22. Varies

23. 13 times a year; every 4 weeks

24. Every 6 weeks

31. *Twice a month

-1. NO PAYMENT

-2. NO REGULAR PAYMENTS

-7. *Other

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4; 4 properties and one vacation properties

beyond 3rd property: X1701=4 and X2001=1;

no loans on property: X2015^=1)

X8421(#5) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid; no remaining properties among residual: X8415^=1;

no mortgages on remaining properites: X8419^=1)

X8422(#5) Original value of frequency.

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only

11. *Twice per year

12. Every two months

22. Varies

23. 13 times a year; every 4 weeks

24. Every 6 weeks

31. *Twice a month

-1. NO PAYMENT

-2. NO REGULAR PAYMENTS

-7. *Other

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid; no remaining properties among residual: X8415^=1;

no mortgages on remaining properites: X8419^=1)

X2019(#5) Did you receive any income in 2003 from renting out any of

these properties?

Did you or your family living here receive any income in 2003

from renting out any of these properties?

1. *YES

5. *NO

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4; 4 properties and one vacation properties

beyond 3rd property: X1701=4 and X2001=1)

X8423(#5) Original value for Rs who did not provide complete

information within the grid structure (see introduction)

1. *YES

5. *NO

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid; no remaining properties among residual: X8415^=1)

X2020(#5) Altogether, how much gross income from these properties

did you receive in 2003?

Altogether, how much gross income from these properties

did your family receive in 2003?

INCOME BEFORE ANY DEDUCTIONS FOR LOANS, TAXES, OR OTHER

EXPENSES.

Code amount

-1. Nothing

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; fewer than 4 properties:

X1701<4; 4 properties and one vacation properties

beyond 3rd property: X1701=4 and X2001=1;

no income from property: X2019^=1)

X8424(#5) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (No properties: X1700=5; no properties not owned

by a business: X1701=-1; did not break off early in

grid; no remaining properties among residual: X8415^=1;

no income from remaining properties: X8423^=1)

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

BUSINESSES

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

X3101 DOES R OPERATE A FARM/RANCH BUSINESS ON THEIR PROPERTY?

(Coded automatically by CAPI program: X503=1 implies YES,

otherwise NO)

1. *YES

5. *NO

X3103 Now I would like to ask you about businesses you may own. Do

you own or share ownership in any privately-held businesses,

farms, professional practices, limited partnerships or any

other types of partnerships? Do not include corporations with

publicly-traded stock or any partnerships that have already

been recorded earlier.

Now I would like to ask you about businesses you may own. Do

you and your family living here own or share ownership in any

privately-held businesses, farms, professional practices,

limited partnerships or any other types of partnerships? Do

not include corporations with publicly-traded stock or any

partnerships that have already been recorded earlier.

IF R OWNS STOCKS THROUGH AN INVESTMENT CLUB, REPORT LATER AS

STOCKS OR MUTUAL FUNDS.

1. *YES

5. *NO

(value set to YES when R reported having a farm business:

X3101=YES)

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

ACTIVELY MANAGED BUSINESSES

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

X3104 Do you have an active management role in any of these

businesses?

Do you or anyone in your family living here have an active

management role in any of these businesses?

INTERVIEWER: INCLUDE THE GENERAL PARTNERS IN A LIMITED

PARTNERSHIP, BUT NOT THE LIMITED PARTNERS.

1. *YES

5. *NO

0. Inap. (no businesses: X3103^=1)

(value set to YES when R reported having a farm business:

X3101=YES)

X3105 Including your (farm/ranch) business here, in how many

(farms/ranches), privately-held businesses, professional

practices, limited partnerships, or any other types of

partnership do you own or share ownership in and have an

active management role? Do not include corporations with

publicly-traded stock or any property partnerships that

have already been recorded earlier.

Including your (farm/ranch) business here, in how many

(farms/ranches), privately-held businesses, professional

practices, limited partnerships, or any other types of

partnership do you or your family living here own or share

ownership in and have an active management role? Do not

include corporations with publicly-traded stock or any

property partnerships that have already been recorded

earlier.

INTERVIEWER: INCLUDE THE GENERAL PARTNERS IN A LIMITED

PARTNERSHIP, BUT NOT THE LIMITED PARTNERS. IF R OWNS A

HOLDING COMPANY, REPORT THE COMPONENTS SEPARATELY. IF R

OWNS STOCKS THROUGH AN INVESTMENT CLUB, REPORT LATER AS

STOCKS OR MUTUAL FUNDS. RECORD DETAILS FOR EACH BUSINESS

SEPARATELY. EXCEPTION: TREAT BUSINESSES MANAGED TOGETHER

AS ONE BUSINESS, IF THAT IS EASIER FOR R.

In how many businesses do you have an active management role?

In how many businesses do you or anyone in your family

living here have an active management role?

Code number

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1)

I will ask you first about your (farm/ranch) business.

When we talk about the value of (farm/ranch) assets and

liabilities here, we are referring to (farm/ranch)

implements, livestock, crops, etc., and operating loans

other than your mortgages.

INTERVIEWER: DO NOT INCLUDE THE VALUE OF THE PROPERTIES

AND LOANS ALREADY RECORDED.

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 25

*********************************************************

X6689 Originally reported value of X3105 (see introduction)

Code number

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 25

*********************************************************

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

#1 refers to first actively managed business

#2 refers to second actively managed business

#3 refers to third actively managed business

#4 refers to all remaining actively managed businesses

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

X3107(#1) What kind of business is it/the largest business/the next

X3207(#2) business/that is, what does the business make of do?

X3307(#3)

Code Census 2004 4-digit industry code

See X7402/7412 for codes.

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3)

************************************************************

In the public version of the data set, these codes have been

collapsed in the following way:

IF (170 <= 4-digit ind. code <=290) THEN ind. code=1;

ELSE IF (7480 <= 4-digit ind. code <=7480) THEN ind. code=1;

ELSE IF (7770 <= 4-digit ind. code <=7770) THEN ind. code=1;

ELSE IF (370 <= 4-digit ind. code <=490) THEN ind. code=2;

ELSE IF (770 <= 4-digit ind. code <=770) THEN ind. code=2;

ELSE IF (1070 <= 4-digit ind. code <=3990) THEN ind. code=3;

ELSE IF (6470 <= 4-digit ind. code <=6480) THEN ind. code=3;

ELSE IF (8560 <= 4-digit ind. code <=8560) THEN ind. code=3;

ELSE IF (4070 <= 4-digit ind. code <=5790) THEN ind. code=4;

ELSE IF (8680 <= 4-digit ind. code <=8690) THEN ind. code=4;

ELSE IF (6490 <= 4-digit ind. code <=6490) THEN ind. code=5;

ELSE IF (6695 <= 4-digit ind. code <=6695) THEN ind. code=5;

ELSE IF (6870 <= 4-digit ind. code <=7080) THEN ind. code=5;

ELSE IF (7190 <= 4-digit ind. code <=7190) THEN ind. code=5;

ELSE IF (7580 <= 4-digit ind. code <=7590) THEN ind. code=5;

ELSE IF (7680 <= 4-digit ind. code <=7680) THEN ind. code=5;

ELSE IF (8770 <= 4-digit ind. code <=8890) THEN ind. code=5;

ELSE IF (570 <= 4-digit ind. code <=690) THEN ind. code=6;

ELSE IF (6070 <= 4-digit ind. code <=6390) THEN ind. code=6;

ELSE IF (6570 <= 4-digit ind. code <=6692) THEN ind. code=6;

ELSE IF (6770 <= 4-digit ind. code <=6780) THEN ind. code=6;

ELSE IF (7170 <= 4-digit ind. code <=7180) THEN ind. code=6;

ELSE IF (7270 <= 4-digit ind. code <=7470) THEN ind. code=6;

ELSE IF (7490 <= 4-digit ind. code <=7570) THEN ind. code=6;

ELSE IF (7670 <= 4-digit ind. code <=7670) THEN ind. code=6;

ELSE IF (7690 <= 4-digit ind. code <=7690) THEN ind. code=6;

ELSE IF (7780 <= 4-digit ind. code <=8470) THEN ind. code=6;

ELSE IF (8570 <= 4-digit ind. code <=8670) THEN ind. code=6;

ELSE IF (8970 <= 4-digit ind. code <=9290) THEN ind. code=6;

ELSE IF (9370 <= 4-digit ind. code <=9890) THEN ind. code=7;

For business values (X3129/X3229/X3329) greater than or

equal to $100 million * 1.0651 (CPI current methods

adjustment to get 2004 dollars from 2001), this variable

is set to a value of 99.

************************************************************

X3108(#1) How did you first acquire this business; was it bought or

X3208(#2) invested in, started by you, inherited, given to you, or what?

X3308(#3)

How did you or your family living here first acquire this

business; was it bought or invested in, started by you,

inherited, given to you, or what?

1. *BOUGHT/INVEST

2. *STARTED

3. *INHERITED

4. *GIVEN

5. *JOINED/BECAME PARTNER/PROMOTION

-7. *OTHER

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3)

*********************************************************

FOR THE PUBLIC DATA SET, CODE 4 HAS BEEN COMBINED

WITH CODE 3

*********************************************************

X3110(#1) In what year did you start the business?

X3210(#2)

X3310(#3) In what year did you acquire the business?

Code year (4 digits)

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-50

*********************************************************

X3111(#1) How many employees does it have including you?

X3211(#2)

X3311(#3) How many employees does it have including you and members

of your family?

Code number

-1. None

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3)

*********************************************************

FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 5 IF

> 10 WITH A TOP-CODE AT 5000

*********************************************************

X3112(#1) INTERVIEWER CHECKPOINT

X3212(#2) 1. R LIVES ALONE

X3312(#3) 2. ALL OTHERS

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

Which members of your family living here work in or

participate in the operation of the business?

INTERVIEWER: CODE ALL THAT APPLY

X3113(#1) *RESPONDENT

X3213(#2)

X3313(#3) 1. Checked

5. Not checked

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3)

X3114(#1) *SPOUSE/PARTNER

X3214(#2)

X3314(#3) 1. Checked

5. Not checked

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3; R lives alone: X7001=1)

X3115(#1) *ADULT CHILD; child; child-in-law; grandchild

X3215(#2)

X3315(#3) 1. Checked

5. Not checked

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3; R lives alone: X7001=1)

X3116(#1) *OTHER ADULT IN PEU

X3216(#2)

X3316(#3) 1. Checked

5. Not checked

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3; R lives alone: X7001=1)

X3117(#1) *OTHER

X3217(#2)

X3317(#3) 1. Checked

5. Not checked

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3; R lives alone: X7001=1)

X3118(#1) Other than you and your (spouse/partner), how many hours

X3218(#2) does the other family member work in this business in a

X3318(#3) normal week?

Other than you and your (spouse/partner), how many hours

does the most involved family member work in this business

in a normal week?

Other than you, how many hours does the other family member

work in this business in a normal week?

Other than you, how many hours does the most involved

family member work in this business in a normal week?

How many hours does the other family member work in this

business in a normal week?

How many hours does the most involved family member work in

this business in a normal week?

Code number of hours

-1. None

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3; R lives alone: X7001=1; no one

in PEU besides R/Spouse works in business: X3115^=1 and

X3116^=1 and X3117^=1/X3215^=1 and X3216^=1 and

X3217^=1/X3315^=1 and X3316^=1 and X3317^=1/)

X3119(#1) Is it a partnership, a sole-proprietorship, a subchapter S

X3219(#2) corporation, another type of corporation, or what?

X3319(#3)

1. *PARTNERSHIP

2. *SOLE-PROPRIETORSHIP

3. *SUBCHAPTER S

4. *OTHER CORPORATION (including C chapter corps and

professional corporations)

6. Foreign business type

11. Limited partnership, LLP (limited liability partnership)

12. *LLC (LIMITED LIABILITY COMPANY) (include professional

limited liability companies)

40. Not a formal business type

-7. *OTHER

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3)

******************************************************

FOR THE PUBLIC DATASET, CODE 12 HAS BEEN COMBINED

WITH CODE 11.

******************************************************

X3120(#1) These next few questions are about the relationship between

X3220(#2) your personal finances and the finances of your business.

X3320(#3)

These next few questions are about the relationship between

your family's personal finances and the finances of your

family's business.

Are you using personal assets as collateral or did you have to

cosign or guarantee any loans for this business?

Are you or your family living here using personal assets as

collateral or did you have to cosign or guarantee any loans

for this business?

1. *YES

5. *NO

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3)

X7144(#1) Which of these did you do? Collateralize a loan, guarantee

X7145(#2) a loan, or both?

X7146(#3)

1. *COLLATERALIZE

2. *GUARANTEE

3. *BOTH

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3; did not guarantee or

collateralize: X3120^=1/X3220^=1/X3320^=1)

X3121(#1) How much is collateralized?

X3221(#2)

X3321(#3) How much is guaranteed?

How much is guaranteed or collateralized?

Code amount

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3; did not guarantee or

collateralize: X3120^=1/X3220^=1/X3320^=1)

X3122(#1) Did I record this earlier?

X3222(#2)

X3322(#3) 1. *YES

4. R reported YES, but no apparent match in data

5. *NO

6. R reported YES (or edited to YES), but appears to be

included only partially in data recorded elsewhere

7. Matching amount elsewhere is larger than amount

currently reported as guaranteed

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3; did not guarantee or

collateralize: X3120^=1/X3220^=1/X3320^=1)

NOTE: where (X3122 X3222 X3322)=1, the amount of the loan

is not edited out of the earlier location. Where linked

loans are reported at X6842, this information is edited

into this question.

X7551(#1) Which loan was that?

X7550(#2)

X7549(#3) 1. *Credit card or store debt

2. *Mortgage debt

3. *Home equity loan

4. *Other home purchase loan

5. *Home improvement loan

6. *Loan for other real estate

7. *Line of credit

8. *Business loan

9. *Vehicle loan

10. *Education Loan

11. *Other installment loan

12. *Margin loan

13. *Insurance loan

14. *Pension loan

25. Other installment loan #1

26. Other installment loan #2

27. Other installment loan #3

28. Other installment loan #4

29. Other installment loan #5

30. Other installment loan #6

-7. *Other

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3; did not guarantee or

collateralize: X3120^=1/X3220^=1/X3320^=1; loan not

reported earlier: X3122^=1/X3221^=1/X3321^=1)

NOTE: The loan types above marked with an asterisk only

appeared on an interviewer's screen when the respondent had

previously reported having those types of loans.

NOTE: Where a linked business loan is reported at X6842

etc., the link is edited into this question.

X3123(#1) Other than guarantees, does the business owe you any money?

X3223(#2)

X3323(#3) Does the business owe you any money?

Other than guarantees, does the business owe you or your

family living here any money?

Does the business owe you or your family living here any

money?

1. *YES

5. *NO

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3)

X3124(#1) How much is owed?

X3224(#2)

X3324(#3) Code amount

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3; business does not owe R any money:

X3123^=1/X3223^=1/X3323^=1)

X3125(#1) Do you owe the business any money?

X3225(#2)

X3325(#3) Do you or your family living here owe the business any money?

1. *YES

5. *NO

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3)

X3126(#1) How much do you owe?

X3226(#2)

X3326(#3) Code amount

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3; R does not owe business any money:

X3125^=1/X3225^=1/X3325^=1)

X3127(#1) Did I record this earlier?

X3227(#2)

X3327(#3) 1. *YES

4. R reported YES, but no apparent match in data

5. *NO

6. R reported YES, partially recorded earlier

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3; R does not owe business any money:

X3125^=1/X3225^=1/X3325^=1)

NOTE: this variable was extensively edited to verify

amounts reported earlier

X7548(#1) When was it mentioned?

X7547(#2)

X7546(#3) 1. *Credit card or store card

2. *Mortgage debt

3. *Home equity loan

4. *Other home purchase loan

5. *Home improvement loan

6. *Loan for other real estate

7. *Line of credit

8. *Business loan

9. *Vehicle loan

10. *Education Loan

11. *Other installment loan

12. *Margin loan

13. *Insurance loan

14. *Pension loan

25. Other installment loan #1

26. Other installment loan #2

27. Other installment loan #3

28. Other installment loan #4

29. Other installment loan #5

30. Other installment loan #6

-7. *Other

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3; R does not owe business any money:

X3125^=1/X3225^=1/X3325^=1; amount owed to business

not reported earlier: X3127^=1/X3227^=1/X3327^=1)

NOTE: The loan types above marked with an asterisk only

appeared on an interviewer's screen when the respondent had

previously reported having those types of loans.

X3128(#1) What percentage of the business do you own?

X3228(#2)

X3328(#3) What percentage of the business do you and your family

living here own?

Code percent * 100

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3)

X3129(#1) What is the net worth of this business? [ASKED IF R

X3229(#2) OWNS 100% OR ORGANIZATION FORM IS SOLE-PROPRIETORSHIP]

X3329(#3) What is the net worth of your share of this business?

PROBE: What could you sell it for? [ASKED IN ALL OTHER INSTANCES]

THE VALUE SHOULD BE NET OF ALL LOANS.

Code amount

-1. Nothing

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3)

*********************************************************

FOR THE PUBLIC DATA SET, AMOUNTS >=100000000 * 1.0651

(CPI current methods adjustment to get 2004 dollars

from 2001) X3107/X3207/X3307 SET TO 99

*********************************************************

X3130(#1) If you sold the business now, what would be the cost basis

X3230(#2) for tax purposes of this share? PROBE IF R UNSURE: What was

X3330(#3) your original investment?

If you sold the business now, what would be the cost basis

for tax purposes of this share? PROBE IF R UNSURE: What was

the value when you received it?

Code amount

-1. Nothing

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3)

X3131(#1) What were the gross receipts or gross sales of the business

X3231(#2) as a whole in 2003?

X3331(#3)

PARTNERSHIP: IRS FORM 1065, LINE 1C

SOLE-PROPRIETORSHIP: IRS FORM 1040, SCH. C, LINE 1

S-CORPORATION: IRS FORM 1120S, LINE 1C

OTHER CORPORATION: IRS FORM 1120 OR 1120A, LINE 1C

IF BUSINESS NEW SINCE LAST YEAR CODE ZERO.

Code amount

-1. Nothing

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3)

X3132(#1) What was the business's total net income before taxes in 2003?

X3232(#2)

X3332(#3)

PARTNERSHIP: ORDINARY INCOME/LOSS: IRS FORM 1065, LINE 22

SOLE-PROPRIETORSHIP: NET PROFIT/LOSS: IRS FORM 1040, SCH. C, LINE 31

S-CORPORATION: NET INCOME: IRS FORM 1120S, LINE 21

OTHER CORPORATION: TAXABLE INCOME BEFORE NET OPERATING LOSS

DEDUCTION: IRS FORM 1120 LINE 30; OR 1120A, LINE 26

Code amount

-1. Nothing

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1/fewer than 2 actively managed

businesses: X3105<2/fewer than 3 actively managed

businesses X3105<3)

X3335(#4) For the remaining business you own and actively manage,

what could you sell your share for? PROBE: What is your share

worth?

For the remaining businesses you own and actively manage,

what could you sell your share for? PROBE: What is your share

worth

For the remaining business you and your family living here

own and actively manage, what could you sell your share

for? PROBE: What is your share worth?

For the remaining businesses you and your family living

here own and actively manage, what could you sell your

share for? PROBE: What is your share worth?

Code amount

-1. Nothing

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1; fewer than 2 actively managed

businesses: fewer than 4 actively managed businesses:

X3105<4)

X8425(#4) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1; did not break off early in grid)

X3336(#4) If you sold this business now, what would be the cost basis

for tax purposes of your share? PROBE IF R UNSURE: What was

your original investment?

If you sold these businesses now, what would be the cost

basis for tax purposes of your share? PROBE IF R UNSURE:

What was your original investment?

Code amount

-1. Nothing

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1; fewer than 2 actively managed

businesses: fewer than 4 actively managed businesses:

X3105<4)

X8426(#4) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1; did not break off early in grid)

X3337(#4) What was the total net income you received from this

business in 2003?

What was the total net income you received from these

businesses in 2003?

What was the total net income you and your family living here

(received from this business in 2003?/received from these

businesses in 2003?)

Code amount

-1. Nothing

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1; fewer than 2 actively managed

businesses: fewer than 4 actively managed businesses:

X3105<4)

X8427(#4) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (no businesses: X3103^=1; no actively managed

businesses: X3104^=1; did not break off early in grid)

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

NON-ACTIVELY MANAGED BUSINESSES

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

X3401 Do you own or have an interest in any other businesses or any

type of partnership where you do not have an active management

role? IF YES: Please do not include any assets reported earlier.

Do you or anyone in your family living here own or have an

interest in any other businesses or any type of partnership

where you do not have an active management role?

IF YES: Please do not include any assets reported earlier.

1. *YES

5. *NO

0. Inap. (no businesses: X3103^=1)

X3402 In how many businesses do you own or share ownership where

you do not have an active management role?

In how many businesses do you and your family living here

own or share ownership where you do not have an active

management role?

Code number

0. Inap. (no businesses: X3103^=1; no non-actively managed

businesses: X3401^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 25

*********************************************************

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

#1 refers to limited partnerships

#2 refers to other partnerships

#3 refers to subchapter S corporations

#4 refers to other types of corporations

#5 refers to sole-proprietorships

#6 refers to all other non-actively managed businesses

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

Is it a sole-proprietorship, a limited partnership, another

type of partnership, a Subchapter S corporation, another

type of corporation, or what?

(I need to know what type of businesses these are.)

X3407(#1) Are any of them limited partnership?

X3411(#2) Are any of them other partnership?

X3415(#3) Are any of them subchapter S corporation?

X3419(#4) Are any of them other corporation?

X3423(#5) Are any of them sole-proprietorship?

X3427(#6) Are any of them some other kind of business?

1. *YES

5. *NO

0. Inap. (no businesses: X3103^=1; no non-actively managed

businesses: X3401^=1)

What could you sell your share for?

PROBE: What is it worth?

What could you sell your family's share for?

PROBE: What is it worth?

X3408(#1) What could you sell your share of all these Limited

Partnerships for?

PROBE: What is it worth?

What could you sell your family's share of all these

Limited Partnerships for?

PROBE: What is it worth?

X3412(#2) What could you sell your share of all these Other

partnerships for?

PROBE: What is it worth?

What could you sell your family's share of all these Other

partnerships for?

PROBE: What is it worth?

X3416(#3) What could you sell your share of all these Subchapter S

Corporations for?

PROBE: What is it worth?

What could you sell your family's share of all these

Subchapter S Corporations for?

PROBE: What is it worth?

X3420(#4) What could you sell your share of all these Other

Corporations for?

PROBE: What is it worth?

What could you sell your family's share of all these Other

Corporations for?

PROBE: What is it worth?

X3424(#5) What could you sell your share of all these Sole-

Proprietorships for?

PROBE: What is it worth?

What could you sell your family's share of all these Sole-

Proprietorships for?

PROBE: What is it worth?

X3428(#6) What could you sell your share of all these (other type) for?

PROBE: What is it worth?

What could you sell your family's share of all these (other

type) for?

PROBE: What is it worth?

Code amount

-1. Nothing

0. Inap. (no businesses: X3103^=1; no non-actively managed

businesses: X3401^=1; no non-actively managed

businesses of type: X3407^=1/X3411^=1/X3415^=1/X3419^=1/

X3423^=1/X3427^=1)

X8452 Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (no businesses: X3103^=1 no non-actively managed

businesses: X3401^=1; did not break off early in grid)

If you sold this business now, what would be the cost basis

for tax purposes?

PROBE IF R UNSURE: What was your original investment?

X3409(#1) If you sold these Limited Partnerships now, what would be

the cost basis for tax purposes?

PROBE IF R UNSURE: What was your original investment?

X3413(#2) If you sold these Other partnerships now, what would be the

cost basis for tax purposes?

PROBE IF R UNSURE: What was your original investment?

X3417(#3) If you sold these Subchapter S Corporations now, what would

be the cost basis for tax purposes?

PROBE IF R UNSURE: What was your original investment?

X3421(#4) If you sold these Other Corporations now, what would be the

cost basis for tax purposes?

PROBE IF R UNSURE: What was your original investment?

X3425(#5) If you sold these Sole-Proprietorships now, what would be the

cost basis for tax purposes?

PROBE IF R UNSURE: What was your original investment?

X3429(#6) If you sold these (other type) now, what would be the

cost basis for tax purposes?

PROBE IF R UNSURE: What was your original investment?

Code amount

-1. Nothing

0. Inap. (no businesses: X3103^=1; no non-actively managed

businesses: X3401^=1; no non-actively managed

businesses of type: X3407^=1/X3411^=1/X3415^=1/X3419^=1/

X3423^=1/X3427^=1)

X8453 Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (no businesses: X3103^=1 no non-actively managed

businesses: X3401^=1; did not break off early in grid)

What was the total net income you received from this

business in 2003?

What was the total net income you and your family living here

received from this business in 2003?

X3410(#1) What was the total net income you received from all such

Limited Partnerships in 2003?

What was the total net income you and your family living here

received from all such Limited Partnerships in 2003?

X3414(#2) What was the total net income you received from all such

Other partnerships in 2003?

What was the total net income you and your family living here

received from all such Other partnerships in 2003?

X3418(#3) What was the total net income you received from all such

Subchapter S Corporations in 2003?

What was the total net income you and your family living here

received from all such Subchapter S Corporations in 2003?

X3422(#4) What was the total net income you received from all such

Other Corporations in 2003?

What was the total net income you and your family living here

received from all such Other Corporations in 2003?

X3426(#5) What was the total net income you received from all such

Sole-Proprietorships in 2003?

What was the total net income you and your family living here

received from all such Sole-Proprietorships in 2003?

X3430(#6) What was the total net income you received from all such

(other type) in 2003?

What was the total net income you and your family living here

received from all such (other type) in 2003?

Code amount

-1. Nothing

0. Inap. (no businesses: X3103^=1; no non-actively managed

businesses: X3401^=1; no non-actively managed

businesses of type: X3407^=1/X3411^=1/X3415^=1/X3419^=1/

X3423^=1/X3427^=1)

X8454 Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (no businesses: X3103^=1 no non-actively managed

businesses: X3401^=1; did not break off early in grid)

X7545 Were you ever involved in the active management of the

businesses?

Were you ever involved in the active management of the

business?

Were you or any of your family living here ever involved in

the active management of the businesses?

Were you or any of your family living here ever involved in

the active management of the business?

1. *Yes

5. *No

0. Inap. (no businesses: X3103^=1; no non-actively managed

businesses: X3401^=1)

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

VEHICLES

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

VEHICLES SUPPLIED BY A BUSINESS

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

X2501 Now I'd like to get some information on your vehicles.

Some people have cars or other vehicles provided to them by

a business for personal and business use. Do you have any

such business vehicles?

Now I'd like to get some information on your family's

vehicles. Some people have cars or other vehicles provided

to them by a business for personal and business use. Do

you or anyone in your family have any such business vehicles?

1. *YES

5. *NO

X2502 How many such vehicles do you regularly use?

How many such vehicles do you or someone in your family

living here regularly use?

Code number

0. Inap. (no vehicles supplied by a business: X2501^=1)

X7149 Does the business lease this vehicle?

Does the business lease any of these vehicles?

1. *YES

5. *NO

0. Inap. (no vehicles supplied by a business: X2501^=1)

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

LEASED VEHICLES

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

X2101 Other than any vehicles provided by a business...

Are you currently leasing any cars or other vehicles?

Are you or anyone in your family living here currently

leasing any cars or other vehicles?

1. *YES

5. *NO

X2102 Not counting vehicles leased by a business, how many cars

or other vehicles do you lease?

Not counting vehicles leased by a business, how many cars

or other vehicles do you and your family living here lease?

Code number

0. Inap. (no personally leased vehicles: X2101^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 3

*********************************************************

X6690 Originally reported value of X2101 (see introduction)

Code number

0. Inap. (no personally leased vehicles: X2101^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 3

*********************************************************

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

#1 refers to first personally leased vehicle

#2 refers to second personally leased vehicle

#3 refers to all other personally leased vehicles

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

What model year, make and model is this vehicle?

What model year, make and model is the newest vehicle?

What model year, make and model is the next vehicle?

(2-WORD ANSWER. MAKE AND MODEL)

PROBE FOR FULL MODEL NAME.

X7023(#1) Code make

X7025(#2)

66 Acura

64 Alfa Romeo

01 American Motors (AMC)

200 Aston Martin

65 Audi

201 Austin Healey

202 Bentley

69 BMW

08 Buick

12 Cadillac

20 Chevrolet

24 Chrysler

203 Citroen

72 Daewoo

70 Daihatsu

71 Datsun (same as Nissan)

204 DeTomaso

28 Dodge

42 Eagle

205 Ferrari

73 Fiat

33 Ford

232 Freightliner

87 Geo

37 GMC

206 Hallenbeck

77 Honda

207 Hummer

68 Hyundai

88 Infiniti

208 International (IH)

74 Isuzu

75 Jaguar

43 Jeep

67 Kia

89 Lexus

209 Lamborghini

80 Lancia

96 Land Rover

44 Lincoln

210 Lotus

211 Mack

212 Maserati

76 Mazda

79 Mercedes-Benz

48 Mercury

82 Merkur

78 MG

213 Mini Cooper

81 Mitsubishi

230 Morgan

228 Morris

229 Nash

71 Nissan

50 Oldsmobile

214 Packard

215 Peterbuilt

84 Peugeot

216 Pierce Arrow

56 Plymouth

61 Pontiac

85 Porsche

217 Qvale

86 Renault

231 Riley

218 Rolls Royce

91 Saab

219 Saleen

62 Saturn

220 Scion

221 Shelby

90 Sterling

222 Studebaker

94 Subaru

92 Suzuki

93 Toyota

223 Triumph (TR)

224 Viper

97 Volkswagen

98 Volvo

225 Willis

226 Yukon

227 Zimmer

-7. OTHER

0. Inap. (no personally leased vehicles: X2101^=1/fewer

than 2 leased vehicles: X2101<2)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X7024(#1) Code model

X7026(#2) 0. Inap. (no personally leased vehicles: X2101^=1/fewer

than 2 leased vehicles: X2101<2)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X2104(#1) Code model year (4 digits)

X2111(#2) 0. Inap. (no personally leased vehicles: X2101^=1/fewer

than 2 leased vehicles: X2101<2)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-20

*********************************************************

X8163(#1) Recode: prevailing retail VALUE OF VEHICLE as of fall 2004

X8164(#2) according to industry guidebook

Code value

0. Inap. (no personally leased vehicles: X2101^=1/fewer

than 2 leased vehicles: X2101<2)

X2105(#1) How much are your lease payments?

X2112(#2)

Code amount

-1. Nothing

-2. No regular payments

0. Inap. (no personally leased vehicles: X2101^=1/fewer

than 2 leased vehicles: X2101<2)

X2106(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

X2113(#2) (And how often are they due?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. *Twice per year

12. Every two months

22. Varies

23. 13 times a year; every 4 weeks

24. Every 6 weeks

31. *Twice a month

-1. NO PAYMENT

-2. NO REGULAR PAYMENTS

-7. *Other

0. Inap. (no personally leased vehicles: X2101^=1/fewer

than 2 leased vehicles: X2101<2)

How many years or months was the original lease?

X2107(#1) Code number of years

X2114(#2) -1. Less than one year

0. Inap. (no personally leased vehicles: X2101^=1/fewer

than 2 leased vehicles: X2101<2; number of months

given: X2108/X2115>0)

X2108(#1) Code number of months

X2115(#2) 0. Inap. (no personally leased vehicles: X2101^=1/fewer

than 2 leased vehicles: X2101<2; number of years

given: X2107/X2114>0)

X2117(#3) Altogether, about how much are the lease payments on your

other leased vehicles?

Altogether, about how much are the lease payments on your

other leased vehicle?

Code amount

-1. Nothing

-2. No regular payments

0. Inap. (no personally leased vehicles: X2101^=1; fewer

than 3 leased vehicles: X2101<3)

X2118(#3) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount paid?)

Code frequency

1. *Day

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. Twice per year

12. Every two months

22. Varies

23. 13 times a year; every 4 weeks

24. Every 6 weeks

31. *Twice a month

-1. NO PAYMENT

-2. NO REGULAR PAYMENTS

-7. *Other

0. Inap. (no personally leased vehicles: X2101^=1; fewer

than 3 leased vehicles: X2101<3)

X8428(#3) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (no personally leased vehicles: X2101^=1;

did not break off early in grid)

X8429(#3) Original value of frequency.

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. Twice per year

12. Every two months

22. Varies

23. 13 times a year; every 4 weeks

24. Every 6 weeks

31. *Twice a month

-1. NO PAYMENT

-2. NO REGULAR PAYMENTS

-7. *Other

0. Inap. (no personally leased vehicles: X2101^=1;

did not break off early in grid)

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

OWNED CARS, TRUCKS, VANS, AND SPORT UTILITY VEHICLES

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

X2201 Do you own any cars, or any kind of truck, van or sport utility

vehicle (SUV)?

Do you or anyone in your family here own any cars, or any

kind of truck, van or sport utility vehicle (SUV)?

Do not include motorcyles, tractors, snow blowers, etc.,

or any vehicles owned by a business.

INCLUDE VEHICLES THAT ARE (OR COULD EASILY BE) IN RUNNING CONDITION.

1. *YES

5. *NO

X2202 Altogether, how many such cars or vehicles do you own?

Altogether, how many such cars or vehicles do you and your

family living here own?

Code number

0. Inap. (no owned cars etc.: X2201^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 10

*********************************************************

X6691 Originally reported value of X2202 (see introduction)

Code number

0. Inap. (no owned cars etc.: X2201^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 10

*********************************************************

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

#1 refers to first personally owned car

#2 refers to second personally owned car

#3 refers to third personally owned car

#4 refers to fourth personally owned car

#5 refers to all other personally owned cars

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

X2203(#1) What type of vehicle is it?

X2303(#2)

X2403(#3) What type of vehicle is the newest one?

X7150(#4)

What type of vehicle is the next one?

INTERVIEWER: PROBE IF NECESSARY.

Is it a car, a van or minivan, a jeep or sport-utility

vehicle, a pickup, or what?

1. *Car

2. *Van/minivan

3. *Sport utility vehicle (SUV)

4. *Pickup

5. Antique/classic/collector vehicle

6. Truck (except pickup)

8. *Station wagon

-7. *Other

0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4)

*********************************************************

FOR THE PUBLIC DATA SET, CODES 5 AND 6 ARE COMBINED

WITH -7

*********************************************************

What model year, make and model is it?

(2-WORD ANSWER. MAKE AND MODEL)

PROBE FOR FULL MODEL NAME.

X7027(#1) Code make

X7029(#2) See MASTER VEHICLE MANUFACTURER LIST at X....

X7031(#3) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X7033(#4) X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X7028(#1) Code model

X7030(#2) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X7032(#3) X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X7034(#4) X2202<4)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X2205(#1) Code model year (4 digits)

X2305(#2) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2405(#3) X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X7152(#4) X2202<4)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-20

*********************************************************

X8166(#1) Recode: prevailing retail VALUE OF VEHICLE as of fall 2004

X8167(#2) according to industry guidebook (NADA)

X8168(#3)

X8188(#4) Code value

0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4)

X7543(#1) When you got it, was it new or used?

X7542(#2)

X7541(#3) 1. *New

X7153(#4) 2. *Used

0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4)

X7540(#1) In what year did you get it?

X7539(#2)

X7538(#3) Code year (4 digits)

X7154(#4) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4; did not buy car used: X7543^=2/X7542^=2/X7541^=2/

X7153^=2)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-20

*********************************************************

X2206(#1) Not counting any loans I've already recorded, is any money

X2306(#2) still owed on loans for this (make and model)?

X2406(#3)

X7155(#4) 1. *YES

5. *NO

0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4)

In what month and year was the loan taken out?

X2207(#1) Code month

X2307(#2) 1. *January

X2407(#3) 2. *February

X7156(#4) 3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/

X7155^=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X2208(#1) Code year (4 digits)

X2308(#2)

X2408(#3) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X7157(#4) X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/

X7155^=1)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-20

*********************************************************

X2209(#1) How much was borrowed or financed?

X2309(#2)

X2409(#3) Code amount

X7158(#4) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/

X7155^=1)

X2210(#1) Is this a regular installment loan where you pay a fixed

X2310(#2) dollar amount each month for a fixed number of months until

X2410(#4) the loan is repaid, or some other kind?

X7159(#4)

1. *Regular Installment

2. *Other Kind

0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/

X7155^=1)

How many monthly payments or years were agreed upon when

the loan was received?

X2212(#1) Code number of years

X2312(#2) -1. No set number of years

X2412(#3) -7. Unable to calculate from number of payments

X7161(#4) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/

X7155^=1; not a regular loan: X2210^=1/X2310^=1/

X2410^=1/X7159^=1)

X2211(#1) Code number of payments

X2311(#2) -1. No set number of payments

X2411(#3) -7. Unable to calculate from number of years

X7160(#4) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/

X7155^=1; not a regular loan: X2210^=1/X2310^=1/

X2410^=1/X7159^=1)

X9162(#1) Recode: term of loan in months

X9163(#2) -1. No set number of years/payments

X9164(#3) -7. Unable to calculate from number of years/payments

X9179(#4) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/

X7155^=1; not a regular loan: X2210^=1/X2310^=1/

X2410^=1/X7159^=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X2213(#1) How much are the payments?

X2313(#2)

X2413(#3) Code amount

X7162(#4) -1. Nothing

-2. No regular payment

0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/

X7155^=1; not a regular loan: X2210^=1/X2310^=1/

X2410^=1/X7159^=1; no set number of payments: X2212=-1/

X2312=-1/X2412=-1/X7161=-1)

X7537(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

X7536(#2) (And how often are they made?)

X7535(#3)

X7163(#4) Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. *Twice per year

12. Every two months

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/

X7155^=1; not a regular loan: X2210^=1/X2310^=1/

X2410^=1/X7159^=1; no set number of payments: X2212=-1/

X2312=-1/X2412=-1/X7161=-1)

X2214(#1) What is the typical payment?

X2314(#2)

X2414(#3) Code amount

X7164(#4) -1. Nothing

-2. No typical payment

0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/

X7155^=1; regular loan and regular payments: X2210=1

and X2213>0/X2310=1 and X2313>0/X2410=1 and X2413>0/

X7159=1 and X7162>0)

X2215(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

X2315(#2) (And how often is it made?)

X2415(#3)

X7165(#4) Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only

11. *Twice per year

12. Every two months

22. Varies

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/

X7155^=1; regular loan and regular payments: X2210=1

and X2213>0/X2310=1 and X2313>0/X2410=1 and X2413>0/

X7159=1 and X7162>0)

X7534(#1) Is this loan being paid off ahead of schedule, behind

X7533(#2) schedule, or are the payments about on schedule?

X7532(#3)

X7166(#4) 1. *On schedule

2. *Ahead of schedule

3. *Behind schedule

0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/

X7155^=1; not a regular loan: X2210^=1/X2310^=1/

X2410^=1/X2410^=1/X7159^=1; no regular payment:

X2213<=0/X2313<=0/X2413<=0/X7161<=0)

In what month and year do you expect this loan to be repaid?

X2216(#1) Code month

X2316(#2) 1. *January

X2416(#3) 2. *February

X7167(#4) 3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/

X7155^=1; payments on schedule: X7534=1/X7533=1/X75323=1/

X7166=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X2217(#1) Code year (4 digit)

X2317(#2) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2417(#3) X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X7168(#4) X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/

X7155^=1; payments on schedule: X7534=1/X7533=1/X75323=1/

X7166=1)

X2218(#1) How much is still owed on this loan?

X2318(#2)

X2418(#3) Code amount

X7169(#4) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/

X7155^=1)

X2219(#1) What is the current annual rate of interest being charged

X2319(#2) on this loan?

X2419(#3)

X7170(#4) Code percent * 100

-1. Nothing

0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4)

X2220(#1) Please look at the list of institutions you wrote down.

X2320(#2) Is the loan with any of the institutions on the list, or from

X2420(#3) someplace else?

X7171(#4)

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED

AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution

is that?)

Please look at the Institutions Card. Is the loan with any

of the institutions on the Institutions Card, or from

someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS

MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of

institution is that?)

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMMERCIAL BANK; trust company

12. *S&L/SAVINGS BANK

13. *CREDIT UNION

14. *FINANCE/LOAN CO

15. *DEALER

20. *PRIOR OWNER

21. *AUTO FINANCE/GMAC/FORD CREDIT

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X9102(#1) Recode: type of institution

X9103(#2)

X9104(#3) See MASTER INSTITIUTION LIST for other codes (See X308)

X9215(#4) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:

X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:

X2202<4)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X2422(#5) How much are all the other such vehicles that you own worth

in today's prices?

How much is the other such vehicle that you own worth in

today's prices?

How much are all the other such vehicles that you and

others in your family living here own worth in today's

prices?

How much is the other such vehicle that you and others in

your family living here own worth in today's prices?

Code amount

0. Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars:

X2202<5);

X8430(#5) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (no owned cars etc.: X2201^=1; did not

break off early in grid)

X2423(#5) Not counting loans I have already recorded, is any money

still owed on loans for these vehicles?

Not counting loans I have already recorded, is any money

still owed on a loan for this vehicle?

1. *YES

5. *NO

0. Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars:

X2202<5);

X8431(#5) Original value for Rs who did not provide complete

information within the grid structure (see introduction)

1. *YES

5. *NO

0. Inap. (no owned cars etc.: X2201^=1; did not

break off early in grid)

X2424(#5) Altogether, about how much is still owed on these loans?

Altogether, about how much is still owed on this loan?

Code amount

0. Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars:

X2202<5; no loan on car: X2423^=1);

X8432(#5) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (no owned cars etc.: X2201^=1; did not

break off early in grid; no money owned on residual

vehicles: X8430^=1)

X2425(#5) How much are the payments on these loans?

How much are the payments on this loan?

Code amount

-1. Nothing

-2. No regular payment

0. Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars:

X2202<5; no loan on car: X2423^=1);

X2426(#5) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount paid?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. *Twice per year

12. Every two months

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars:

X2202<5; no loan on car: X2423^=1);

X8433(#5) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (no owned cars etc.: X2201^=1; did not

break off early in grid; no money owned on residual

vehicles: X8430^=1)

X8434(#5) Original value of frequency.

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. *Twice per year

12. Every two months

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (no owned cars etc.: X2201^=1; did not

break off early in grid; no money owned on residual

vehicles: X8430^=1)

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

OTHER OWNED VEHICLES

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

X2503 Do you own any other vehicles such as a motor home, RV,

motorcycle, boat, or airplane?

Do you or anyone in your family living here own any other

vehicles such as a motor home, RV, motorcycle, boat, or

airplane?

INTERVIEWER: INCLUDE ANIMAL TRAILERS, GOLF CARTS, SNOWMOBILES,

GLIDERS, ETC. DO NOT INCLUDE TRACTORS AND LAWN MOWERS

1. *YES

5. *NO

X2504 Altogether, how many of these other vehicles do you own?

Altogether, how many of these other vehicles do you or

someone in your family living here own?

Code number

0. Inap. (no other vehicles: X2503^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 5

*********************************************************

X6692 Originally reported value of X2504 (see introduction)

Code number

0. Inap. (no other vehicles: X2503^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 5

*********************************************************

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

#1 refers to first other owned vehicle

#2 refers to second other owned vehicle

#3 refers to all remaining other owned vehicle

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

X2505(#1) What type of vehicle is it?

X2605(#2)

What type of vehicle is the newest one?

What type of vehicle is the next one?

Is it a motor home, RV, motorcycle, boat, airplane, or what?

1. *motor home

2. *RV; recreation vehicle

3. *airplane; helicopter

4. *boat

6. Camper/(house) trailer (except 16,17)

9. Tractor

11. *motorcycle; motor scooter

12. Snowmobile

13. Golf cart

14. Non-automobile off-road vehicle; kart, dragster

15. Miscellaneous construction vehicle

16. Horse trailer

17. Other trailer (e.g., boat trailers)

18. Non-boat water vehicle

19. Glider, hot air balloon, other airborne vehicle n.e.c.

20. Bus

-7. *Other

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3)

*********************************************************

FOR THE PUBLIC DATA SET, CODES 2 AND 6 ARE COMBINED

WITH CODE 1; CODES 4 AND 19 ARE COMBINED WITH CODE 3;

CODE 9 IS COMBINED WITH CODE 15; CODES 13 AND 14 ARE

COMBINED WITH CODE 12; CODE 16 IS COMBINED WITH CODE

*********************************************************

X2506(#1) About how much is this (vehicle type) worth?

X2606(#2)

About how much is this vehicle worth?

Code amount

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3)

X2507(#1) Not counting any loans that I have already recorded, is any

X2607(#2) money still

owed on loans for this (vehicle type)?

owed on loans for this vehicle?

1. *YES

5. *NO

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3)

In what month and year was the loan taken out?

X2508(#1) Code month

X2608(#2) 1. *January

2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;

no loan on vehicle: X2507^=1/X2607^=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X2509(#1) Code year (4 digits)

X2609(#2) 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;

no loan on vehicle: X2507^=1/X2607^=1)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-20

*********************************************************

X2510(#1) How much was borrowed or financed, not counting the

X2610(#2) finance charges?

IF R ONLY OWNS PART, RECORD ONLY LOAN TERMS THAT APPLY TO

THE PEU

Code amount

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;

no loan on vehicle: X2507^=1/X2607^=1)

X2511(#1) Is this a regular installment loan where you pay a fixed

X2611(#2) dollar amount each month for a fixed number of months until

the loan is repaid, or some other kind?

1. *Regular Installment

2. *Other Kind

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;

no loan on vehicle: X2507^=1/X2607^=1)

How many monthly payments or years were agreed upon when

the loan was received?

X2513(#1) Code number of years

X2613(#2) -1. No set number of years

-7. Unable to calculate from number of payments

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;

no loan on vehicle: X2507^=1/X2607^=1; not a regular

loan: X2511^=1/X2611^=1)

X2512(#1) Code number of payments

X2612(#2) -1. No set number of payments

-7. Unable to calculate from number of years

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;

no loan on vehicle: X2507^=1/X2607^=1; not a regular

loan: X2511^=1/X2611^=1)

X9165(#1) Recode: term of loan in months

X9166(#2) -1. No set number of years/payments

-7. Unable to calculate from number of years/payments

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;

no loan on vehicle: X2507^=1/X2607^=1; not a regular

loan: X2511^=1/X2611^=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X2514(#1) How much are the payments?

X2614(#2)

Code amount

-1. Nothing

-2. No regular payment

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;

no loan on vehicle: X2507^=1/X2607^=1; not a regular

loan: X2511^=1/X2611^=1; no set number of payments:

X2512=-1/X2612=-1)

X7531(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

X7530(#2) (And how often are they due?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. *Twice per year

12. Every two months

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;

no loan on vehicle: X2507^=1/X2607^=1; not a regular

loan: X2511^=1/X2611^=1; no set number of payments:

X2512=-1/X2612=-1)

X2515(#1) What is the typical payment?

X2615(#2)

Code amount

-1. Nothing

-2. No typical payment

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;

no loan on vehicle: X2507^=1/X2607^=1; regular loan and

regular payments: X2511=1 and X2514>0/X2611=1 and

X2614>0)

X2516(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

X2616(#2) (And how often is it made?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. *Twice per year

12. Every two months

22. Varies

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;

no loan on vehicle: X2507^=1/X2607^=1; regular loan and

regular payments: X2511=1 and X2514>0/X2611=1 and

X2614>0)

X7529(#1) Is this loan being paid off ahead of schedule, behind

X7528(#2) schedule, or are the payments about on schedule?

1. *On schedule

2. *Ahead of schedule

3. *Behind schedule

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;

no loan on vehicle: X2507^=1/X2607^=1; not a regular

loan: X2511^=1/X2611^=1; no regular payment:

X2514<=0/X2614<=0)

In what month and year do you expect this loan to be repaid?

X2517(#1) Code month

X2617(#2) 1. *January

2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;

no loan on vehicle: X2507^=1/X2607^=1; payments on

schedule: X7529=1/X7528=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X2518(#1) Code year

X2618(#2) 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;

no loan on vehicle: X2507^=1/X2607^=1; payments on

schedule: X7529=1/X7528=1)

X2519(#1) How much is still owed on this loan?

X2619(#2)

Code amount

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;

no loan on vehicle: X2507^=1/X2607^=1)

X2520(#1) What is the current annual rate of interest being charged

X2620(#2) on this loan?

Code percent * 100

-1. Nothing

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;

no loan on vehicle: X2507^=1/X2607^=1)

X2521(#1) Please look at the list of institutions you wrote down.

X2621(#2) Is the loan with any of the institutions on the list, or from

someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED

AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution

is that?)

Please look at the Institutions Card. Is the loan with any

of the institutions on the Institutions Card, or from

someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS

MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of

institution is that?)

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;

no loan on vehicle: X2507^=1/X2607^=1)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMMERCIAL BANK; trust company

12. *S&L/SAVINGS BANK

13. *CREDIT UNION

14. *FINANCE/LOAN CO

17. *BROKERAGE

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X9105(#1) Recode: type of institution

X9106(#2)

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (no other vehicles: X2503^=1/fewer than 2 other

vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;

no loan on vehicle: X2507^=1/X2607^=1)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X2623(#3) How much are all the other such vehicles that you own worth?

How much is the other such vehicle that you own worth?

How much are all the other such vehicles that you and

others in your family living here own worth?

How much is the other such vehicle that you and others in

your family living here own worth?

Code amount

0. Inap. (no other vehicles: X2503^=1; fewer than 3 other

vehicles: X2504<2)

X8435(#3) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (no other vehicles: X2503^=1; did not

break off early in grid)

X2624(#3) Not counting loans I have already recorded, is any money

still owed on loans for these vehicles?

Not counting loans I have already recorded, is any money

still owed on loans for this vehicle?

1. *YES

5. *NO

0. Inap. (no other vehicles: X2503^=1; fewer than 3 other

vehicles: X2504<2)

X8436(#3) Original value for Rs who did not provide complete

information within the grid structure (see introduction)

1. *YES

5. *NO

0. Inap. (no other vehicles: X2503^=1; did not

break off early in grid)

X2625(#3) Altogether, about how much is still owed on these loans?

Altogether, about how much is still owed on this loan?

Code amount

0. Inap. (no other vehicles: X2503^=1; fewer than 3 other

vehicles: X2504<2; no money owed on vehicle: X2624^=1)

X8437(#3) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (no other vehicles: X2503^=1; did not

break off early in grid; no loans on residual

vehicles: X8436^=1)

X2626(#3) How much are the payments on these loans?

How much are the payments on this loan?

Code amount

-1. Nothing

-2. No regular payment

0. Inap. (no other vehicles: X2503^=1; fewer than 3 other

vehicles: X2504<2; no money owed on vehicle: X2624^=1)

X2627(#3) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount paid?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. *Twice per year

12. Every two months

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (no other vehicles: X2503^=1; fewer than 3 other

vehicles: X2504<2; no money owed on vehicle: X2624^=1)

X8438(#3) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (no other vehicles: X2503^=1; did not

break off early in grid; no loans on residual

vehicles: X8436^=1)

X8439(#3) Original value of frequency.

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only

11. *Twice per year

12. Every two months

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (no other vehicles: X2503^=1; fewer than 3 other

vehicles: X2504<2; no money owed on vehicle: X2624^=1)

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

EDUCATION LOANS

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

X7801 Do you owe any money or have any loans for educational

expenses?

Do you and your family living here owe any money or have

any loans for educational expenses?

IF YES: Please do not include any credit cards or other

loans I have already recorded.

DO NOT INCLUDE TUITION BILLS THAT HAVE ARRIVED BUT ARE NOT YET PAID.

1. *YES

5. *NO

X7802 How many such loans are there?

IF ORIGINALLY MANY LOANS, BUT NOW CONSOLIDATED, RECORD THE

CONSOLIDATED NUMBER.

IF MULTIPLE LOANS FROM ONE SOURCE THAT ARE TREATED BY THE

LENDER AS ONE ACCOUNT, TREAT AS ONE LOAN HERE.

Code number

0. Inap. (no education loans: X7801^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 7

*********************************************************

X6693 Originally reported value of X7802 (see introduction)

Code number

0. Inap. (no education loans: X7801^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 7

*********************************************************

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

#1 refers to first education loan

#2 refers to second education loan

#3 refers to third education

#4 refers to fourth education

#5 refers to fifth education

#6 refers to sixth education

#7 refers to all remaining education loans

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

In what month and year was this loan taken out?

About the largest loan, in what month and year was

this loan taken out?

About the next education loan, in what month and year was

this loan taken out?

IF LOAN WAS CONSOLIDATED, ASK FOR THE DATE OF CONSOLIDATION.

X7803(#1) Code month

X7826(#2) 1. *January

X7849(#3) 2. *February

X7903(#4) 3. *March

X7926(#5) 4. *April

X7949(#6) 5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X7804(#1) Code year (4 digits)

X7827(#2) 0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7850(#3) X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7904(#4) X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7927(#5) X7802<6)

X7950(#6)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-20

*********************************************************

X7805(#1) How much was borrowed or financed, not counting the finance

X7828(#2) charges?

X7851(#3)

X7905(#4) Code amount

X7928(#5) 0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7951(#6) X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6)

X7806(#1) Are you paying on this loan now?

X7829(#2)

X7852(#3) 1. *YES

X7906(#4) 5. *NO

X7929(#5) 0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7952(#6) X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6)

X7173(#1) Are the payments on this loan deferred?

X7174(#2)

X7175(#3) 1. *YES

X7176(#4) 5. *NO

X7177(#5) 0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7178(#6) X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6; paying on loan now: X7806^=5/X7829^=5/X7852^=5/

X7806^=5;/X7929^=5/X7952^=5)

When will you start paying on this loan?

X7807(#1) Code month

X7830(#2) 1. *January

X7853(#3) 2. *February

X7907(#4) 3. *March

X7930(#5) 4. *April

X7953(#6) 5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6; paying on loan now: X7806^=5/X7829^=5/X7852^=5/

X7806^=5;/X7929^=5/X7952^=5; payments not deferred:

X7173^=1/X7174^=1/X7175^=1/X7176^=1/X7177^=1/X7178^=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X7808(#1) Code year (4 digits)

X7831(#2)

X7854(#3) 0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7908(#4) X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7931(#5) X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7954(#6) X7802<6; paying on loan now: X7806^=5/X7829^=5/X7852^=5/

X7806^=5;/X7929^=5/X7952^=5; payments not deferred:

X7173^=1/X7174^=1/X7175^=1/X7176^=1/X7177^=1/X7178^=1)

X7809(#1) Is this loan accumulating interest which you will have to

X7832(#2) pay?

X7855(#3)

X7909(#4) 1. *YES

X7932(#5) 5. *NO

X7955(#6) 0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6; paying on loan now: X7806^=5/X7829^=5/X7852^=5/

X7806^=5;/X7929^=5/X7952^=5; payments not deferred:

X7173^=1/X7174^=1/X7175^=1/X7176^=1/X7177^=1/X7178^=1)

When did you start paying on this loan?

(TAKE MOST RECENT TIME R BEGAN PAYING ON LOAN).

When did you last make payments on this loan?

X7810(#1) Code month

X7833(#2) 1. *January

X7856(#3) 2. *February

X7910(#4) 3. *March

X7933(#5) 4. *April

X7956(#6) 5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6; not paying on loan now and payments deferred:

X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/

X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X7811(#1) Code year

X7834(#2) 0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7857(#3) X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7911(#4) X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7934(#5) X7802<6; not paying on loan now and payments deferred:

X7957(#6) X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/

X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-20

*********************************************************

X7812(#1) Is this a regular installment loan where you pay a fixed

X7835(#2) dollar amount each month for a fixed number of months until

X7858(#3) the loan is repaid,or some other kind?

X7912(#4)

X7935(#5) 1. *Regular Installment

X7958(#6) 2 *Other Kind

0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6; not paying on loan now and payments deferred:

X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/

X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1)

How many monthly payments or years were agreed upon when

the loan was received?

X7813(#1) Code number of years

X7836(#2) -1. No set number of years

X7859(#3) -7. Unable to calculate from number of payments

X7913(#4) 0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7936(#5) X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7959(#6) X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6; not paying on loan now and payments deferred:

X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/

X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;

not a regular loan: X7812^=1/X7835^=1/X7858^=1/X7912^=1/

X7935^=1/X7958^=1);

X7814(#1) Code number of payments

X7837(#2) -1. No set number of payments

X7860(#3) -7. Unable to calculate from number of years

X7914(#4) 0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7937(#5) X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7960(#6) X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6; not paying on loan now and payments deferred:

X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/

X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;

not a regular loan: X7812^=1/X7835^=1/X7858^=1/X7912^=1/

X7935^=1/X7958^=1);

X9173(#1) Recode: term of loan in months

X9174(#2) -1. No set number of years/payments

X9175(#3) -7. Unable to calculate from number of years/payments

X9176(#4) 0. Inap. (no education loans: X7801^=1/less than 2 loans;

X9177(#5) X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X9178(#6) X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6; not paying on loan now and payments deferred:

X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/

X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;

not a regular loan: X7812^=1/X7835^=1/X7858^=1/X7912^=1/

X7935^=1/X7958^=1);

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X7815(#1) How much are the payments?

X7838(#2)

X7861(#3) Code amount

X7915(#4) -1. Nothing

X7938(#5) -2. No regular payment

X7961(#6) 0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6; not paying on loan now and payments deferred:

X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/

X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;

not a regular loan: X7812^=1/X7835^=1/X7858^=1/X7912^=1/

X7935^=1/X7958^=1; no set number of payments: X7813=-1/

X7836=-1/X7859=-1/X7913=-1/X7936=-1/X7959=-1)

X7816(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

X7839(#2) (And how often are they made?)

X7862(#3)

X7916(#4) Code frequency

X7939(#5) 2. *Week

X7962(#6) 3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. *Twice per year

12. Every two months

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6; not paying on loan now and payments deferred:

X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/

X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;

not a regular loan: X7812^=1/X7835^=1/X7858^=1/X7912^=1/

X7935^=1/X7958^=1; no set number of payments: X7813=-1/

X7836=-1/X7859=-1/X7913=-1/X7936=-1/X7959=-1)

X7817(#1) What is the typical payment?

X7840(#2)

X7863(#3) Code amount

X7917(#4) -1. Nothing

X7940(#5) -2. No typical payment

X7963(#6) 0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6; not paying on loan now and payments deferred:

X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/

X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;

regular loan and regular payments: X7812=1 and X7815>0/

X7835=1 and X7838>0/X7858=1 and X7861>0/ X7912=1 and

X7915>0/X7935=1 and X7938>0/X7958=1 and X7961>0)

X7818(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

X7841(#2) (And how often is it made?)

X7864(#3)

X7918(#4) Code frequency

X7941(#5) 2. *Week

X7964(#6) 3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. *Twice per year

12. Every two months

22. Varies

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6; not paying on loan now and payments deferred:

X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/

X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;

regular loan and regular payments: X7812=1 and X7815>0/

X7835=1 and X7838>0/X7858=1 and X7861>0/ X7912=1 and

X7915>0/X7935=1 and X7938>0/X7958=1 and X7961>0)

X7821(#1) Is this loan being paid off ahead of schedule, behind

X7844(#2) schedule, or are the payments about on schedule?

X7867(#3)

X7921(#4) 1. *On schedule

X7944(#5) 2. *Ahead of schedule

X7967(#6) 3. *Behind schedule

0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6; not paying on loan now and payments deferred:

X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/

X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;

not a regular loan: X7812^=1/X7835^=1/X7858^=1/X7912^=1/

X7935^=1/X7958^=1; no set number of payments: X7813=-1/

X7836=-1/X7859=-1/X7913=-1/X7936=-1/X7959=-1)

In what month and year do you expect this loan to be repaid?

X7819(#1) Code month

X7842(#2) 1. *January

X7865(#3) 2. *February

X7919(#4) 3. *March

X7942(#5) 4. *April

X7965(#6) 5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6; not paying on loan now and payments deferred:

X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/

X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;

payments on schedule: X7821=1/X7844=1/X7867=1/X7921=1/

X7944=1/X7967=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X7820(#1) Code year (4 digit)

X7843(#2) 0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7866(#3) X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7920(#4) X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7943(#5) X7802<6; not paying on loan now and payments deferred:

X7966(#6) X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/

X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/

X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;

payments on schedule: X7821=1/X7844=1/X7867=1/X7921=1/

X7944=1/X7967=1)

X7822(#1) What is the current annual rate of interest being charged

X7845(#2) on this loan?

X7868(#3)

X7922(#4) Code percent * 100

X7945(#5) -1. Nothing

X7968(#6) 0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6; not paying on loan now and payments deferred:

X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/

X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;

interest not accumulating: X7809=5/X7832=5/X7855=5/

X7909=5/X7932=5/X7955=5)

X7823(#1) Please look at the list of institutions you wrote down.

X7846(#2) Is the loan with any of the institutions on the list, or from

X7869(#3) someplace else?

X7923(#4)

X7946(#5) IF INSTITUTIONS CARD: Which institution?

X7969(#6) (IF "SOMEPLACE ELSE": What institution is that?

ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED

AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution

is that?)

Please look at the Institutions Card. Is the loan with any

of the institutions on the Institutions Card, or from

someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS

MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of

institution is that?)

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMMERCIAL BANK; trust company

12. *S&L/SAVINGS BANK

13. *CREDIT UNION

14. *FINANCE/LOAN CO

16. *BROKERAGE

32. *COLLEGE/UNIVERSITY

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X9203(#1) Recode: type of institution

X9204(#2)

X9205(#3) See MASTER INSTITIUTION LIST for other codes (See X308)

X9206(#4) 0. Inap. (no education loans: X7801^=1/less than 2 loans;

X9207(#5) X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X9208(#6) X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X7824(#1) How much is still owed on this loan?

X7847(#2)

X7870(#3) Code amount

X7924(#4) 0. Inap. (no education loans: X7801^=1/less than 2 loans;

X7947(#5) X7802<2/less than 3 loans: X7802<3/less than 4 loans:

X7970(#6) X7802<4/less than 5 loans: X7802<5/less than 6 loans:

X7802<6)

X7179(#7) How much in total is owed on all the remaining loans?

Code amount

0. Inap. (no education loans: X7801^=1; less than 7 loans)

X8440(#7) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (no education loans: X7801^=1; did not break off

early in grid)

X7180(#7) How much in total are all the payments you are making on

all the remaining loans?

Code amount

-1. Nothing

-2. No regular payment

0. Inap. (no education loans: X7801^=1; less than 7 loans)

X7181(#7) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount paid?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. *Twice per year

12. Every two months

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (no education loans: X7801^=1; less than 7 loans)

X8441(#7) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

-1. Nothing

-2. No regular payment

0. Inap. (no education loans: X7801^=1; did not break off

early in grid)

X8442(#7) Original value of frequency.

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. *Twice per year

12. Every two months

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (no education loans: X7801^=1; did not break off

early in grid)

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

OTHER CONSUMER LOANS

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

X7182 Do you (or anyone in your family living here)

have any other loans?

(These may be loans for household appliances, furniture, hobby

or recreational equipment, medical bills, loans from

friends or relatives, loans for a business or investment,

or other loans.)

IF YES, SAY: Please do not include credit cards or loans I

have already recorded in detail.

DO NOT INCLUDE GIFTS/LOANS R IS NOT EXPECTED TO REPAY

DO NOT INCLUDE OUTSTANDING BILLS UNLESS THEY ARE MORE THAN

30 DAYS PAST DUE

1. *YES

5. *NO

NOTE: CARD 8 contains the following text in a vertical

column: "Loans for household applicances, furniture,"

"Loans for hobby or recreational equipment," "Loans for

medical bills," "Loans from friends or relatives," "Other

loans or money owed."

X2709 How many such loans do you have?

Code number

0. Inap. (no such loans: X7182=5)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 7

*********************************************************

X6694 Originally reported value of X2709 (see introduction)

Code number

0. Inap. (no such loans: X7182=5)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 7

*********************************************************

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

#1 refers to first consumer loan

#2 refers to second consumer loan

#3 refers to third consumer loan

#4 refers to fourth consumer loan

#5 refers to fifth consumer loan

#6 refers to sixth consumer loan

#7 refers to all remaining consumer loans

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

X2710(#1) What was the loan for?

X2727(#2)

X2810(#3) What was the largest loan for?

X2827(#4)

X2910(#5) What was the next of these other loans for?

X2927(#6)

See MASTER LOAN PURPOSE LIST at X6723

0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6)

*********************************************************

SEE MASTER LOAN PURPOSE LIST FOR INFORMATION ON CODE

COLLAPSING FOR LOAN PURPOSE VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X6842(#1) Is this loan one that you told me about when we talked about

X6843(#2) your business?

X6844(#3)

X6845(#4) 1. *YES

X6846(#5) 5. *NO

X6847(#6) 6. Yes, link code created at X7551 etc.

7. Yes, partially reported earlier, link code created at X7551

8. Originally reported as YES, but no clear link

0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;

no loans for/to a personally owned business reported

in the section about personal businesses that was not

reported earlier: X3125=(0, 5) and X3225=(0, 5) and

X3325=(0, 5) and X3120=(0, 5) and X3220=(0, 5) and

X3320=(0, 5)

In what month and year was this loan taken out?

X2712(#1) Code month

X2729(#2) 1. *January

X2812(#3) 2. *February

X2829(#4) 3. *March

X2912(#5) 4. *April

X2929(#6) 5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X2713(#1) Code year (4 digits)

X2730(#2) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

X2813(#3) fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

X2830(#4) fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6)

X2913(#5)

X2930(#6)

*********************************************************

FOR THE PUBLIC DATA SET, BOTTOM-CODED

AT X8095-20

*********************************************************

X2714(#1) How much was borrowed or financed, not counting the

X2731(#2) finance charges?

X2814(#3)

X2831(#4) Code amount

X2914(#5) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

X2931(#6) fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6)

X2715(#1) Is this a regular installment loan where you pay a fixed

X2732(#2) dollar amount each month for a fixed number of months until

X2815(#3) the loan is repaid, or some other kind?

X2832(#4)

X2915(#5) 1. *Regular Installment

X2932(#6) 2. *Other Kind

0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6)

How many monthly payments or years were agreed upon when

the loan was received?

X2717(#1) Code number of years

X2734(#2) -1. No set number of years

X2817(#3) -7. Unable to calculate from number of payments

X2834(#4) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

X2917(#5) fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

X2934(#6) fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;

not a regular loan: X2715^=1/X2732^=1/X2815^=1/X2832^=1/

X2915^=1/X2932^=1)

X2716(#1) Code number of payments

X2733(#2) -1. No set number of payments

X2816(#3) -7. Unable to calculate from number of years

X2833(#4) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

X2916(#5) fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

X2933(#6) fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;

not a regular loan: X2715^=1/X2732^=1/X2815^=1/X2832^=1/

X2915^=1/X2932^=1)

X9167(#1) Recode: term of loan in months

X9168(#2) -1. No set number of years/payments

X9169(#3) -7. Unable to calculate from number of years/payments

X9170(#4) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

X9171(#5) fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

X9172(#6) fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;

not a regular loan: X2715^=1/X2732^=1/X2815^=1/X2832^=1/

X2915^=1/X2932^=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X2718(#1) How much are the payments?

X2735(#2)

X2818(#3) Code amount

X2835(#4) -1. Nothing

X2918(#5) -2. No typical payment

X2935(#6) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;

not a regular loan: X2715^=1/X2732^=1/X2815^=1/X2832^=1/

X2915^=1/X2932^=1; no set number of payments: X2717=-1/

X2734=-1/X2817=-1/X2834=-1/X2917=-1/X2934=-1)

X7527(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

X7526(#2) (And how often are they due?)

X7525(#3)

X7524(#4) Code frequency

X7523(#5) 2. *Week

X7522(#6) 3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. Twice per year

12. Every two months

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;

not a regular loan: X2715^=1/X2732^=1/X2815^=1/X2832^=1/

X2915^=1/X2932^=1; no set number of payments: X2717=-1/

X2734=-1/X2817=-1/X2834=-1/X2917=-1/X2934=-1)

X2719(#1) What is the typical payment?

X2736(#2)

X2819(#3) Code amount

X2836(#4) -1. Nothing

X2919(#5) -2. No typical payment

X2936(#6) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;

regular loan and regular payments: X2715=1 and X2718>0/

X2732=1 and X2735>0/X2815=1 and X2818>0/X2832=1 and

X2835>0/X2915=1 and X2918>0/X2932=1 and X2935>0)

X2720(#2) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

X2737(#2) (And how often is it made?)

X2820(#3)

X2837(#4) Code frequency

X2920(#5) 2. *Week

X2937(#6) 3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. *Twice per year

12. Every two months

22. Varies

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;

regular loan and regular payments: X2715=1 and X2718>0/

X2732=1 and X2735>0/X2815=1 and X2818>0/X2832=1 and

X2835>0/X2915=1 and X2918>0/X2932=1 and X2935>0)

X7521(#1) Is this loan being paid off ahead of schedule, behind

X7520(#2) schedule, or are the payments about on schedule?

X7519(#3)

X7518(#4) 1. *On schedule

X7517(#5) 2. *Ahead of schedule

X7516(#6) 3. *Behind schedule

0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;

not a regular loan: X2715^=1/X2732^=1/X2815^=1/X2832^=1/

X2915^=1/X2932^=1; no regular payment: X2718<=0/

X2735<=0/X2818<=0/X2835<=0/X2918<=0/X2935<=0)

In what month and year do you expect this loan to be repaid?

X2721(#1) Code month

X2738(#2) 1. *January

X2821(#3) 2. *February

X2838(#4) 3. *March

X2921(#5) 4. *April

X2938(#6) 5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;

payments on schedule: X7521=1/X7520=1/X7519=1/X7518=1/

X7517=1/X7516=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X2722(#1) Code year

X2739(#2) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

X2822(#3) fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

X2839(#4) fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;

X2922(#5) payments on schedule: X7521=1/X7520=1/X7519=1/X7518=1/

X2939(#6) X7517=1/X7516=1)

X2723(#1) How much is still owed on this loan?

X2740(#2)

X2823(#3) Code amount

X2840(#4) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

X2923(#5) fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

X2940(#6) fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6)

X2724(#1) What is the current annual rate of interest being charged

X2741(#2) on this loan?

X2824(#3)

X2841(#4) Code percent * 100

X2924(#5) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

X2941(#6) fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6)

X2725(#1) Please look at the list of institutions you wrote down.

X2742(#2) Is the loan with any of the institutions on the list, or from

X2825(#3) someplace else?

X2842(#4)

X2925(#5) IF INSTITUTIONS CARD: Which institution?

X2942(#6) (IF "SOMEPLACE ELSE": What institution is that?

ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED

AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution

is that?)

Please look at the Institutions Card. Is the loan with any

of the institutions on the Institutions Card, or from

someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS

MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of

institution is that?)

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMERCIAL BANK; trust company

12. *S&L/SAVINGS BANK

13. *CREDIT UNION

14. *FINANCE/LOAN CO

16. *BROKERAGE

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X9107(#1) Recode: type of institution

X9108(#2) See MASTER INSTITIUTION LIST for other codes (See X308)

X9109(#3) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/

X9110(#4) fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/

X9111(#5) fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6)

X9112(#6)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X7183(#7) How much in total is owed on all the remaining loans?

Code amount

0. Inap. (no such loans: X7182=5; fewer than 7 loans: X2709<7)

X8443(#7) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (no such loans: X7182^=1; did not break off

early in grid)

X7184(#7) How much in total are all the payments you are making on all

the remaining loans?

Code amount

-1. Nothing

-2. No regular payment

0. Inap. (no such loans: X7182=5; fewer than 7 loans: X2709<7)

X7185(#7) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount paid?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. *Twice per year

12. Every two months

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (no such loans: X7182=5; fewer than 7 loans: X2709<7)

X8444(#7) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

-1. Nothing

-2. No regular payment

0. Inap. (no such loans: X7182=5; did not break off

early in grid)

X8445(#7) Original value of frequency.

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. *Twice per year

12. Every two months

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (no such loans: X7182=5; did not break off

early in grid)

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

PAYMENTS ON SCHEDULE ON ALL TYPES OF LOANS

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

X7070 During the past year, have you (or anyone in your family

livinng here) borrowed money that was supposed to be repaid

out of your next paycheck?

1. *YES

5. *NO

X3004 Now thinking of all the various loan or mortgage payments

you made during the last year, were all the payments made the

way they were scheduled, or were payments on any of the

loans sometimes made later or missed?

1. *All paid as scheduled or ahead of schedule

5. *Sometimes got behind or missed payments

0. Inap. (no types of loans: X413=(0, -1) and X421=(0, -1)

and X424=(0, -1) and X427=(0, -1) and X430=(0, -1) and

X7577=5 and X723=(0, 5) and X830=(0, 5) and X931=(0, 5) and

X1101=5 and X1203=(0, 5) and X2206=(0, 5) and

X2306=(0, 5) and X2406=(0, 5) and X7155=(0, 5) and

X2507=(0, 5) and X2607=(0, 5) and X7182=5 and

X1711=(0, 5) and X1811=(0, 5) and X1911=(0, 5) and

X1416=(0, 5) and X1516=(0, 5) and X1616=(0, 5) and

X1620=(0, 5) and X8403=(0, 5) and X1032=(0, 5) and

X2005=(0, 5) and X8409=(0, 5) and X2015=(0, 5) and

X8419=(0, 5) and X2423=(0, 5) and X8431=(0, 5) and

X2624=(0, 5) and X8436=(0, 5) and X7801=5 and

X3120=(0, 5) and X3220=(0, 5) and X3320=(0, 5) and

X3125=(0, 5) and X3225=(0, 5) and X3325=(0, 5))

X3005 Were you ever behind in your payments by two months or more?

1. *YES

5. *NO

0. Inap. (no types of loans: X413=(0, -1) and X421=(0, -1)

and X424=(0, -1) and X427=(0, -1) and X430=(0, -1) and

X7577=5 and X723=(0, 5) and X830=(0, 5) and X931=(0, 5) and

X1101=5 and X1203=(0, 5) and X2206=(0, 5) and

X2306=(0, 5) and X2406=(0, 5) and X7155=(0, 5) and

X2507=(0, 5) and X2607=(0, 5) and X7182=5 and

X1711=(0, 5) and X1811=(0, 5) and X1911=(0, 5) and

X1416=(0, 5) and X1516=(0, 5) and X1616=(0, 5) and

X1620=(0, 5) and X8403=(0, 5) and X1032=(0, 5) and

X2005=(0, 5) and X8409=(0, 5) and X2015=(0, 5) and

X8419=(0, 5) and X2423=(0, 5) and X8431=(0, 5) and

X2624=(0, 5) and X8436=(0, 5) and X7801=5 and

X3120=(0, 5) and X3220=(0, 5) and X3320=(0, 5) and

X3125=(0, 5) and X3225=(0, 5) and X3325=(0, 5);

not late with payments: X3004=1)

X6772 Have you (or your husband/wife/partner) ever filed for bankruptcy?

1. *YES

5. *NO

When was that?

IF MORE THAN ONCE, ASK: When was the most recent time?

X6773 CODE YEARS AGO

-1. Less than a year

0. Inap. (never filed for bankruptcy: X6772=5)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 25

ROUNDED TO NEAREST ODD INTEGER

*********************************************************

X6774 CODE YEAR

0. Inap. (never filed for bankruptcy: X6772=5)

*********************************************************

FOR THE PUBLIC DATA SET, ADJUSTED TO CORRESPOND TO

X6773

*********************************************************

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

MISCELLANEOUS OPINION VARIABLES

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

(#1-#6 in order reported by R)

X3006(#1) Now I'd like to ask you some questions about your attitudes

X3007(#2) about savings. People have different reasons for saving, even

X7513(#3) though they may not be saving all the time. What are your most

X7514(#4) important reasons for saving?

X7515(#5)

X6848(#6) Now I'd like to ask you some questions about your family's

attitudes about savings. People have different reasons for

saving, even though they may not be saving all the

time. What are your family's most important reasons for

saving?

What else?

TREAT "SAVING" AND "INVESTING" THE SAME.

1. Children's education; education of grandchildren

2. Own education; spouse/partner's education; education

-- not known for whom

3. "For the children/family", n.f.s.; "to help the kids

out"; estate

5. Wedding, Bar Mitzvah, and other ceremonies (except 17)

6. To have children/a family

9. To move (except 11)

11. Buying own house (code "summer cottage" in 12)

12. Purchase of cottage or second home for own use

13. Buy a car, boat or other vehicle

14. Home improvements/repairs

15. To travel; take vacations; take other time off

16. Buy durable household goods, appliances, home

furnishings; hobby and recreational items; for other

purchases not codable above or not further specified;

"buy things when we need/want them"; special occasions

17. Burial/funeral expenses

18. Charitable or religious contributions

20. "To enjoy life"

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" and independence

26. Investments reasons (to get interest, to be

diversified, to buy other forms of assets)

27. To meet contractual commitments (debt repayment,

insurance, taxes, etc.), to pay off house

28. "To get ahead;" to advance standard of living

29. Ordinary living expenses/bills

30. Pay taxes

31. No particular reason (except 90, 91, 92)

32. "For the future"

33. Like to save

40. Don't wish to spend more

41. To give gifts; "Christmas"

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; habit

92. Liquidity; to have cash available/on hand

93. "Wealth preservation"; maintain lifestyle

-1. Don't/can't save; "have no money"

-7. Other

0. Inap. (only for X3007, X7513, X7514, X7515, X6848)

X3010 In the next five to ten years, are there any foreseeable

major expenses that you expect to have to pay for yourself,

such as educational expenses, purchase of a new home,

health care costs, support for other family members, or

anything else?

In the next five to ten years, are there any foreseeable

major expenses that you and your family expect to have to

pay for yourselves, such as educational expenses, purchase

of a new home, health care costs, support for other family

members, or anything else?

1. *YES

5. *NO

(#1-#6 in order reported by R)

X3011(#1) What kinds of obligations are these?

X3012(#2)

X3013(#3) CODE ALL THAT APPLY

X7512(#4)

X7511(#5) 1. *EDUCATION FOR YOUR CHILDREN; (incl. step and adopted);

X6667(#6) grandchildren

2. *EDUCATION FOR OTHERS; (incl. R & spouse/partner)

3. *HEALTH CARE FOR SELF/SPOUSE/PARTNER

4. *HEALTH CARE FOR OTHERS; (incl. elderly

parents/disabled child)

5. Health care/medical expenses -- not known for whom

11. General support for R/spouse/partner in Retirement or old age

12. General support for child/grandchild;

13. General support for parents

14. General support for others, or not known for whom

15. Baby

21. *PURCHASE OF NEW HOME; (incl. vacation home)

22. Purchase of car or other large durable goods

23. Burial expenses; inheritance taxes

24. Taxes

25. Home repairs/improvements

26. Weddings, vacations, moving and other special expenditures

31. Business/investment; start/expand own business

32. Divorce, legal expenses

33. Major purchase

34. Charitable expense

41. Bills/living expenses, n.f.s.

-7. *OTHER MAJOR FINANCIAL OBLIGATIONS

0. Inap. (no expected major expenses: X3010^=1)

NOTE: CARD 9 contains the following text in a vertical

column: "Education for your children," "Education for

others," "Future health care for self/spouse," "Health care

for others," "Purchase of new home," "Other major financial

obligation."

X7186 Are you saving for these expenses now?

Are you saving for this expense now?

1. *YES

5. *NO

6. *ALREADY SAVED FOR IT

0. Inap. (no expected major expenses: X3010^=1)

X3008 IN PERSON VERSION:

(SHOW CARD 5)

In planning (your/your family's) saving and spending, which

of the time periods listed on this page is most important

to [you/you and your (husband/wife/partner)]?

TELEPHONE VERSION:

In planning (your/your family's) saving and spending, which

of the following is most important to [you/you and your

(husband/wife/partner)]: the next few months, the next

year, the next few years, the next 5 to 10 years, or longer

than 10 years?

1. *NEXT FEW MONTHS

2. *NEXT YEAR

3. *NEXT FEW YEARS

4. *NEXT 5-10 YEARS

5. *LONGER THAN 10 YEARS

NOTE: CARD 5 contains the following text in a vertical

column: "Next few months," " Next year," "Next 5 to 10

years," "Longer than 10 years."

X3014 IN PERSON VERSION:

(SHOW CARD 6)

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?

Which of the statements on this page comes closest to the

amount of financial risk that you are willing to take when

you save or make investments?

READ RESPONSES IF NECESSARY.

TELEPHONE VERSION:

Which of the following statements comes closest to

describing the amount of financial risk that you and your

(husband/wife/partner) are willing to take when you save

or make investments?

Which of the following statements comes closest to the

describing the amount of financial risk that you are

willing to take when you save or make investments?

INTERVIEWER: IF MORE THAN ONE RESPONSE IS GIVEN USE THE

FIRST CATEGORY THAT APPLIES.

1. *Take substantial financial risks expecting to earn

substantial returns

2. *Take above average financial risks expecting to earn

above average returns

3. *Take average financial risks expecting to earn

average returns

4. *Not willing to take any financial risks

NOTE: CARD 6 contains the following text in a vertical

column: "Take substantial financial risks expecting to earn

substantial returns," "Take above average financial risks

expecting to earn above average returns," "Take average

financial risks expecting to earn average returns," "Not

willing to take any financial risks."

IN PERSON VERSION:

(SHOW CARD 7)

Which of the following statements on this page comes closest

to describing your and your (husband/wife/partner)'s

saving habits?

Which of the following statements on this page comes closest to

describing your saving habits?

READ RESPONSES IF NECESSARY.

TELEPHONE VERSION:

Which of the following statements comes closest to

describing your and your (husband/wife/partner)'s

saving habits?

Which of the following statements comes closest to

describing your saving habits?

TREAT "SAVING" AND "INVESTING" THE SAME.

INTERVIEWER: DO NOT PROBE FOR MORE THAN ONE RESPONSE.

ENTER MULTIPLE RESPONSES ONLY IF R VOLUNTEERS THEM

X3015 *Don't save - usually spend more than income

X3016 *Don't save - usually spend about as much as income

X3017 *Save whatever is left over at the end of the month -

no regular plan

X3018 *Save income of one family member, spend the other

X3019 *Spend regular income, save other income

X3020 *Save regularly by putting money aside each month

1. Checked

5. Not checked

NOTE: CARD 7 contains the following text in a vertical

column: "Don't save -- Usually spend more than income,"

"Don't save -- Usually spend about as much as income,"

"Save whatever is left over at the end of each month -- No

regular plan," "Save income of one family member, spend the

other," "Save regularly by putting money aside each month."

X3023 Using any number from one to five, where one equals totally

inadequate and five equals very satisfactory, how would you

rate the retirement income you (receive or expect to

receive) from Social Security and job pensions?

INCLUDE 401(K) ACCOUNTS AND ALL OTHER TYPES OF PENSIONS

1. *TOTALLY INADEQUATE

3. *ENOUGH TO MAINTAIN LIVING STANDARDS

5. *VERY SATISFACTORY

X7510 Over the past year, would you say that your spending

exceeded your income, that it was about the same as your

income, or that you spent less than your income?

Over the past year, would you say that your family's

spending exceeded your family's income, that it was about

the same as your income, or that you spent less than your

income?

(Spending should not include any investments you have made.)

IF DEBTS ARE BEING REPAID ON NET, TREAT THIS AS SPENDING

LESS THAN INCOME.

1. *SPENDING EXCEEDED INCOME

2. *SPENDING EQUALLED INCOME

3. *SPENDING WAS LESS THAN INCOME

X7509 Did any of that spending include purchases of a home or

automobile or spending for any investments?

1. *YES

5. *NO

0. Inap. (spending less than income: X7510=3)

X7508 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 spending exceeded your

income, that it was about the same as your income, or that

you spent less than your income?

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 family's spending exceeded

your family's income, that it was about the same as your

income, or that you spent less than your income?

1. *SPENDING EXCEEDED INCOME

2. *SPENDING EQUALED INCOME

3. *SPENDING WAS LESS THAN INCOME

0. Inap. (spending less than or equal to income:

X7510=2 or 3; spending did not include durables

purchases: X7509^=1)

X7507 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; (including used credit cards)

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 additional income

8. Did nothing

12. Declared Bankruptcy

15. Sold assets

-7. *OTHER

0. Inap. (spending less than or equal to income)

*********************************************************

FOR THE PUBLIC DATA SET, CODE 12 IS COMBINED WITH

CODE 3

*********************************************************

X3024 Now I have some questions about your spending. How much do

[you and everyone else in your family/you] spend on food

that you use at home in an average week? (What is your

best estimate?)

IF R SHARES EXENSES WITH ROOMMATES NOT IN THE PEU, INCLUDE

ONLR R'S (FAMILY'S) SHARE.

THIS INCLUDES LUNCHES FOR WORK, ETC. MADE AT HOME.

INCLUDE FOOD PAID FOR USING FOOD STAMPS.

Code amount

X3025 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And what period does that cover?)

Code frequency

1. Day

2. *Week

3. *Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only/in total

11. *Twice per year; every six months

31. *Twice a month

-1. Nothing

-7. *Other

X3026 Do you have any food delivered to the door which isn't

included in that?

INCLUDE CARRY-OUT HERE.

1. *YES

5. *NO

X3027 IF R SHARES EXENSES WITH ROOMMATES NOT IN THE PEU, INCLUDE

ONLR R'S (FAMILY'S) SHARE.

How much do you spend on that food?

Code amount

0. Inap. (No expenses for food delivered to the door: X....^=1)

-1. Nothing (for example, "Meals on Wheels")

X3028 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And what period does that cover?)

Code frequency

1. Day

2. *Week

3. *Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only/in total

11. *Twice per year; every six months

31. *Twice a month

-1. Nothing

-7. *Other

X3029 About how much do [you and everyone else in your

family/you] spend eating out? What is your best estimate?

THIS INCLUDES LUNCHES FOR WORK, ETC. MADE AT HOME.

Code amount

-1. Nothing

X3030 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And what period does that cover?)

Code frequency

1. Day

2. *Week

3. *Every two weeks

4. *Month

5. *Quarter

6. *Year

8. *Lump sum; one payment only/in total

11. *Twice per year; every six months

31. *Twice a month

-1. Nothing

-7. *Other

X7187 About how much do you think you (and your family) need to

have in savings for emergencies and other unexpected things

that may come up?

Code amount

-1. Nothing

For the following statements, please say

whether you agree strongly, agree somewhat, neither agree

nor disagree, disagree somewhat, or disagree strongly:

X6788 Compared with other people of (my/our) generation and

background, [I/my (husband/wife/partner)] have been lucky

in (my/our) financial affairs.

1. *AGREE STRONGLY

2. *AGREE SOMEWHAT

3. *NEITHER AGREE NOR DISAGREE

4. *DISAGREE SOMEWHAT

5. *DISAGREE STRONGLY

X6789 When the things that [I/my (husband/wife/partner)] own

increase in value, (I am/we are) more likely to spend money.

1. *AGREE STRONGLY

2. *AGREE SOMEWHAT

3. *NEITHER AGREE NOR DISAGREE

4. *DISAGREE SOMEWHAT

5. *DISAGREE STRONGLY

X6443 In an emergency could you or your (husband/wife/partner)

get financial assistance of $3,000 or more from any friends

or relatives who do not live with you?

In an emergency could you get financial assistance of

$3,000 or more from any friends or relatives who do not

live with you?

1. *YES

5. *NO

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

FINANCIAL ASSETS (ALSO INCLUDES SOME MISC. ASSETS AND DEBTS)

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

CHECKING ACCOUNTS

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

X3501 Now I'd like to ask about different types of financial

assets that

you might have. First, do you have any checking accounts

at any type of institution?

you might have. First, do you or anyone in your family

living here have any checking accounts at any type of

institution?

IF YES: Please do not include any money market accounts

unless you use them regularly as checking accounts.

DO NOT INCLUDE LOAN ACCOUNTS OR CREDIT CARDS WITH

CHECK-WRITING PRIVILEGES.

DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY

LIVING HERE.

1. *YES

5. *NO

X3502 Have you ever had a checking account?

Have you or anyone in your family living here ever had a

checking account?

1. *YES

5. *NO

0. Inap. (R has a checking account: X3501=1)

X3503 IN PERSON VERSION:

(SHOW CARD 8)

Looking at this list, please tell me which is the most

important reason (you don't have/your family doesn't have)

a checking account.

READ RESPONSES IF NECESSARY.

TELEPHONE VERSION:

Please tell me which is the most important reason

(you don't have/your famaily doesn't have) a checking

account. Is it...

1. *Because you don't write enough checks to make

it worthwhile

2. *Because the minimum balance is too high

3. *Because you do not like dealing with banks

4. *Because service charges are too high

5. *Because no bank has convenient hours or location

12. Checkbook has been/could be lost/stolen

13. Haven't gotten around to it

14. R has other account with checking privileges (money market

account, managed investment account, etc) (does not include

individuals who write checks for R)

15. R not allowed to have account (e.g., asset test for welfare)

16. Someone else writes checks for R or manages R's finances

20. R does not need/want a checking account, n.e.c.

21. Credit problems; bankruptcy; R does not meet depository's

qualifications for having an account

22. Concern about overdraft fees

95. Don't have (enough) money

-1. Can't manage/balance a checking account

-7. *SOME OTHER REASON

0. Inap. (R has a checking account: X3501=1)

NOTE: CARD 8 contains the following text in a vertical

column: "Don't write enough checks to make it worthwhile,"

" Minimum balance too high," "Do not like dealing with

banks," "Service charges too high," "No bank has convenient

hours or location," "Some other reason."

X3504 How many checking accounts do you have?

How many checking accounts do you and your family living

here have?

(IF R ASKS: INCLUDE MONEY MARKET ACCOUNTS ONLY IF THEY ARE

USED AS CHECKING ACCOUNTS)

DO NOT INCLUDE BUSINESS ACCOUNTS.

DO NOT INCLUDE LOAN ACCOUNTS OR CREDIT CARDS WITH

CHECK-WRITING PRIVILEGES.

DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY

LIVING HERE.

Code number of accounts

0. Inap. (R has no checking account: X3501^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 10

*********************************************************

X6695 Originally reported value of X3504 (see introduction)

Code number of accounts

0. Inap. (R has no checking account: X3501^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 10

*********************************************************

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

#1 refers to the first checking account

#2 refers to the second checking account

#3 refers to the third checking account

#4 refers to the fourth checking account

#5 refers to the fifth checking account

#6 refers to the sixth checking account

#7 refers to the remaining checking accounts

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

X3505(#1) Please look at the list of institutions you wrote down.

X3509(#2) Thinking about (your checking account/your main account,

X3513(#3) the one used to write most of your checks/the next checking

X3517(#4) account), is this account with any of the institutions

X3521(#5) on the list, or from someplace else?

X3525(#6)

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED

AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution

is that?)

Please look at the Institutions Card. Thinking about (your

checking account/your main account, the one used to write

most of your checks/the next checking account), is this

account with any of the institutions on the list, or from

someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS

MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of

institution is that?)

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (R has no checking account: X3501^=1/fewer than

2 accounts: X3504<2/fewer than 3 accounts: X3504<3/

fewer than 4 accounts: X3504<4/fewer than 5 accounts:

X3504<5/fewer than 6 accounts: X3504<6)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMMERCIAL BANK; trust company

12. *S&L/SAV BANK

13. *CREDIT UNION

16. *BROKERAGE

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X9113(#1) Recode: type of institution

X9114(#2)

X9115(#3) See MASTER INSTITIUTION LIST for other codes (See X308)

X9116(#4) 0. Inap. ( (R has no checking account: X3501^=1/fewer than

X9117(#5) 2 accounts: X3504<2/fewer than 3 accounts: X3504<3/

X9118(#6) fewer than 4 accounts: X3504<4/fewer than 5 accounts:

X3504<5/fewer than 6 accounts: X3504<6)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X3506(#1) How much is in this account? What was the average over the

X3510(#2) last month?

X3514(#3)

X3518(#4) Code amount

X3522(#5) -1. Nothing

X3526(#6) 0. Inap. ( (R has no checking account: X3501^=1/fewer than

2 accounts: X3504<2/fewer than 3 accounts: X3504<3/

fewer than 4 accounts: X3504<4/fewer than 5 accounts:

X3504<5/fewer than 6 accounts: X3504<6)

X3507(#1) Is this a money market-type account?

X3511(#2)

X3515(#3) 1. *YES

X3519(#4) 5. *NO

X3523(#5) 0. Inap. (R has no checking account: X3501^=1/fewer than

X3527(#6) 2 accounts: X3504<2/fewer than 3 accounts: X3504<3/

fewer than 4 accounts: X3504<4/fewer than 5 accounts:

X3504<5/fewer than 6 accounts: X3504<6)

X7071(#1) Is this account covered by federal deposit insurance?

X7072(#2)

X7073(#3) DEPOSIT INSURANCE IS PROVIDED BY THE FDIC (FEDERAL DEPOSIT

X7074(#4) INSURANCE CORPORATION) AND NCUSIF (NATIONAL CREDIT UNION

X7075(#5) SHARE INSURANCE FUND). IF THE INSTITUTION GOES BANKRUPT,

X7076(#6) DEPOSIT INSURANCE WOULD PAY UP TO $100,000 OF AN ACCOUNT

BALANCE.

1. *YES

5. *NO

0. Inap. (R has no checking account: X3501^=1/fewer than

2 accounts: X3504<2/fewer than 3 accounts: X3504<3/

fewer than 4 accounts: X3504<4/fewer than 5 accounts:

X3504<5/fewer than 6 accounts: X3504<6)

X7601(#1) Is this a joint checking account, or is the account in your

X7603(#2) name, in your husband's name, or something else?

X7605(#3)

X7607(#4) Is this a joint checking account, or is the account in your

X7609(#5) name, in your wife's name, or something else?

X7611(#6)

Is this a joint checking account, or is the account in your

name, in your partner's name, or something else?

Is this checking account in your name, or something else?

Is this a joint checking account, or is the account in your name?

1. *Joint account; with spouse/partner

2. *R's account

3. *Spouse's/partner's account

4. Other family member's account

5. Child only

6. Child and respondent or spouse/partner

8. Other relative with respondent or spouse/partner

9. Unrelated person, n.f.s.

10. Unrelated person with respondent or spouse/partner

50. Trust account

51. Personal business account

-7. *Other

0. Inap. (R has no checking account: X3501^=1/fewer than

2 accounts: X3504<2/fewer than 3 accounts: X3504<3/

fewer than 4 accounts: X3504<4/fewer than 5 accounts:

X3504<5/fewer than 6 accounts: X3504<6; R lives

alone: X7001=1)

X3529(#7) How much is in all your remaining checking accounts? (What

was the average over the last month?)

How much is in all your family's remaining checking accounts?

(What was the average over the last month?)

Code amount

-1. Nothing

0. Inap. (R has no checking account: X3501^=1; fewer than

7 accounts: X3504<7)

X8446(#7) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (no checking account: X3501^=1; did not

break off early in grid)

X3530 IN PERSON VERSION:

(SHOW CARD 9)

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?)

TELEPHONE VERSION:

What 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; friend/family has account there

2. High interest rates; interest rates on deposits

3. *LOCATION OF THEIR OFFICES

4. Other business done here

6. *ABLE TO OBTAIN MANY SERVICES AT ONE PLACE

7. *HAD THE LOWEST FEES/MINIMUM BALANCE REQUIREMENT

8. *OFFERED SAFETY AND ABSENCE OF RISK

9. Other convenience mentions/payroll deduction/direct deposit

11. Personal relationship; they know me; R/spouse works

there; small institution; family member works there

12. Staff qualifications

13. Bank bought by another institution

14. Always done business there; banked there a long time;

other business done there

23. Advertisement

24. Convenient hours

25. No particular reason

26. No other institutions available

27. Gift for opening account; other promotion; special

benefits for group R belongs to (e.g., senior

citizens, sport team, etc.)

29. Reputation

30. Unable to open an account at another instituion

31. Dissatisfaction with previous institution

32. Good customer service

33. R prefers to deal with institutions of this type

34. Account opened for R as a child

35. Connection through work/school

36. Prefer a local institution

37. Needed to change institution

38. Offers online services or "electronic banking"

39. Ease of transfers between accounts; electronic

account management n.e.c.

41. Investment in institution

42. Diversification

43. Number/location of ATMs

-7. *SOME OTHER REASON

0. Inap. (R has no checking account: X3501^=1)

NOTE: CARD 9 contains the following text in a vertical

column: "Location of their offices," "Had the lowest fees

or minimum balance requirement," "Able to obtain many

services at one place," "Offered safety and absence of

risk," "Some other reason."

*********************************************************

FOR THE PUBLIC DATA SET, CODE 41 IS COMBINED WITH

CODE 35

*********************************************************

X3531 For how many years have you done business with this

institution?

For how many years has someone in your family living here

done business with this institution?

Code number of years

-1. Less than a year

0. Inap. (R has no checking accounts: X3501^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED 60

*********************************************************

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IRA/KEOGH ACCOUNTS

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

X3601 As we continue through the interview, I will be asking you

about several types of retirement assets you may have, such

as Keoghs, IRAs or "Individual Retirement Accounts,"

annuities, and pensions and retirement accounts you may

have through a current or past job.

Here I would like to ask just about IRAs and Keogh

accounts. These may include accounts that you "rolled

over" into an IRA after leaving a previous job as well as

Roth IRAs, or any other type of IRA or Keogh account that

is not part of a retirement plan on a current or past job.

Please do not include IRA-SEP or IRA-SIMPLE accounts, which

we treat as job pensions.

Do you (or anyone in your family living here) have any

Keoghs or IRAs?

"EDUCATION IRAs" ARE SAVINGS ACCOUNTS.

1. *YES

5. *NO

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

#1 refers to IRA/Keogh account of R

#2 refers to IRA/Keogh account of spouse/partner

#3 refers to IRA/Keogh account of other PEU member

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

X3602(#1) Are any of the IRA or Keogh accounts yours?

X3612(#2) Does your (wife/partner) have IRA or Keogh accounts?

X3622(#3) Do any other family members have IRA or Keogh accounts?

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)

X3603(#1) How many IRA and Keogh accounts do you (personally) have?

X3613(#2) How many IRA and Keogh accounts does your (wife/partner) have?

X3623(#3) Including any rollovers from past job pensions, how many

IRA and Keogh accounts do your other family members have?

Code number of accounts

0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:

X3601^=1/no spouse or partner in PEU: X107^=1/no other

PEU members: X113^=1; person has no account: X3602^=1/

X3612^=1/X3622^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 5

*********************************************************

Is this account a Roth IRA, an account [you/your

(wife/partner)/(your other family members)] rolled over

from a pension into an IRA, some other type of IRA, or a

Keogh?

CODE ALL THAT APPLY.

Are these accounts Roth IRAs, accounts [you/your

(wife/partner)/(your other family members)] rolled over

from pensions into IRAs, some other types of IRAs, or

Keoghs?

CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN

X6444(#1) *ROTH IRA

X6448(#2)

X6452(#3)

X6446(#1) *ROLL-OVER FROM PENSION ACCOUNT

X6450(#2)

X6454(#3)

X6447(#1) *REGULAR OR OTHER IRA

X6451(#2)

X6455(#3)

X3605(#1) *KEOGH

X3615(#2)

X3625(#3)

1. Checked

5. Not checked

0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:

X3601^=1/no spouse or partner in PEU: X107^=1/no other

PEU members: X113^=1; person has no account: X3602^=1/

X3612^=1/X3622^=1)

X6551(#1) How much is in your Roth IRA account(s)?

X6559(#2) How much is in your (wife's/partner's) Roth IRA account(s)?

X6567(#3) How much is in your other family members' Roth

IRA account(s)?

Code amount

0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:

X3601^=1/no spouse or partner in PEU: X107^=1/no other

PEU members: X113^=1; person has no account: X3602^=1/

X3612^=1/X3622^=1; no accounts of this type: X6444^=1/

X6448^=1/X6452^=1)

X6552(#1) How much is in your roll-over IRA account(s)?

X6560(#2) How much is in your (husband/wife/partner)'s

X6568(#3) roll-over IRA account(s)?

How much is in your other family members'

roll-over IRA account(s)?

Code amount

0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:

X3601^=1/no spouse or partner in PEU: X107^=1/no other

PEU members: X113^=1; person has no account: X3602^=1/

X3612^=1/X3622^=1; no accounts of this type: X6446^=1/

X6450^=1/X6454^=1)

X6553(#1) How much is in your regular or other IRA account(s)?

X6561(#2) How much is in your (husband/wife/partner)'s

X6569(#3) other IRA account(s)?

How much is in your other family members' other

IRA account(s)?

Code amount

0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:

X3601^=1/no spouse or partner in PEU: X107^=1/no other

PEU members: X113^=1; person has no account: X3602^=1/

X3612^=1/X3622^=1; no accounts of this type: X6447^=1/

X6451^=1/X6455^=1)

X6554(#1) How much is in your Keogh account(s)?

X6562(#2) How much is in your (husband/wife/partner)'s Keogh

X6570(#3) account(s)?

How much is in your other family members' Keogh

account(s)?

Code amount

0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:

X3601^=1/no spouse or partner in PEU: X107^=1/no other

PEU members: X113^=1; person has no account: X3602^=1/

X3612^=1/X3622^=1; no accounts of this type: X3605^=1/

X3615^=1/X3625^=1)

If R reported that R/SP/OFM had an IRA (X3602=1/X3612=1/X3622=1) , but

answered DK/REF to type, the CAPI program asked the balance in all of

the accounts. As in the cases where R broke off before completing a

grid, this total amount was used as a constraint in the imputation of

the individual components.

X6756(#1) How much is in (your/your [husband's/wife's/partner's/

X6757(#2) other family member's]) account(s)?

X6758(#3)

Code amount

0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:

X3601^=1/no spouse or partner in PEU: X107^=1/no other

PEU members: X113^=1; person has no account: X3602^=1/

X3612^=1/X3622^=1; no accounts of this type: X6447^=1/

X6451^=1/X6455^=1; type of accounts not answered

DK/REF: X6444^=(.D, .R)/X6448^=(.D, .R)/X6452^=(.D, .R))

X6555(#1) How is the money in (this/these) account(s) invested? Is

X6563(#2) it all in stocks, all in interest-earning assets, is it

X6571(#3) split between these, or something else?

IF R SAY "MUTUAL FUND," PROBE FOR WHETHER IT IS A STOCK

FUND, A BOND FUND, OR ONE SPLIT OVER BOTH TYPES

1. *ALL IN STOCKS

2. *ALL IN INTEREST EARNING ASSETS/BONDS

3. *SPLIT

4. Real estate

5. Hedge fund

6. Annuities

8. Mineral rights

-7. *OTHER

0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:

X3601^=1/no spouse or partner in PEU: X107^=1/no other

PEU members: X113^=1; person has no account: X3602^=1/

X3612^=1/X3622^=1)

*********************************************************

FOR THE PUBLIC DATA SET, CODES 4, 5, 6, 7 AND 8 ARE

COMBINED WITH CODE -7

*********************************************************

X6556(#1) About what percent is in stocks?

X6564(#2)

X6572(#3) Code percent * 100

0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:

X3601^=1/no spouse or partner in PEU: X107^=1/no other

PEU members: X113^=1; person has no account: X3602^=1/

X3612^=1/X3622^=1; holdings not split:

X6555^=3/X6563^=3/X6571^=3)

*********************************************************

FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 500 IF

BETWEEN 250 AND 9750 INCLUSIVE, OTHERWISE IF > 0

ROUNDED TO NEAREST 100 WITH A TOP-CODE AT 9900

AND A BOTTOM-CODE AT 100 FOR THOSE VALUES ROUNDED

*********************************************************

X6557(#1) Did you take any withdrawals from (this/these) account(s)

X6565(#2) in 2003?

X6573(#3) Did your (husband/wife/partner) make any withdrawals from

(this/these) account(s) in 2003?

Did your other family members make any withdrawals from

(this/these) account(s) in 2003?

1. *YES

5. *NO

0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:

X3601^=1/no spouse or partner in PEU: X107^=1/no other

PEU members: X113^=1; person has no account: X3602^=1/

X3612^=1/X3622^=1)

X6558(#1) How much in total did you withdraw in 2003?

X6566(#2) How much in total did (he/she) withdraw in 2003?

X6574(#3) How much in total did they withdraw in 2003?

Code amount

0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:

X3601^=1/no spouse or partner in PEU: X107^=1/no other

PEU members: X113^=1; person has no account: X3602^=1/

X3612^=1/X3622^=1; no withdrawals: X6557^=1/X6565^=1/

X6573^=1)

(#1): X3606 X3607 X3608 X3609 X7501 X6721

(#2): X3616 X3617 X3618 X3619 X7502 X6722

(#3): X3626 X3627 X3628 X3629 X7503

Please look at the list of institutions you wrote down.

(Is this/Are they) with any of the institutions on the

list, or from someplace else?

IF INSTITUTIONS LIST: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT

THIS POINT./IF "SOMEPLACE ELSE": What type of institution

is that?)

Please look at the Institutions Card. (Is this/Are they)

(Is this/ Are these) with any of the institutions on

the Institutions Card, or from someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS

MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of

institution is that?)

CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:

X3601^=1/no spouse or partner in PEU: X107^=1/no other

PEU members: X113^=1; person has no account: X3602^=1/

X3612^=1/X3622^=1; at least one institution field must

be filled out, but higher order fields may be inap.)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMMERCIAL BANK; trust company

12. *S&L/SAV BANK

13. *CREDIT UNION

16. *BROKERAGE

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

(#1): X9119 X9120 X9121 X9122 X9209 X9223

(#2): X9123 X9124 X9125 X9126 X9210 X9224

(#3): X9127 X9128 X9129 X9130 X9211

Recode: type of institution

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:

X3601^=1/no spouse or partner in PEU: X107^=1/no other

PEU members: X113^=1; person has no account: X3602^=1/

X3612^=1/X3622^=1; at least one institution field must

be filled out, but higher order fields may be inap.)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X7077(#1) (Is this account/ Are these accounts) covered by federal

X7078(#2) deposit insurance?

X7079(#3)

DEPOSIT INSURANCE IS PROVIDED BY THE FDIC (FEDERAL DEPOSIT

INSURANCE CORPORATION) AND NCUSIF (NATIONAL CREDIT UNION

SHARE INSURANCE FUND). IF THE INSTITUTION GOES BANKRUPT,

DEPOSIT INSURANCE WOULD PAY UP TO $100,000 OF AN ACCOUNT

BALANCE.

1. *YES

5. *NO

0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:

X3601^=1/no spouse or partner in PEU: X107^=1/no other

PEU members: X113^=1; person has no account: X3602^=1/

X3612^=1/X3622^=1)

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

CERTIFICATES OF DEPOSIT

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

X3719 Do you have any CDs or certificates of deposit at financial

institutions?

Do you or anyone in your family here have any CDs or certificates

of deposit at financial institutions?

IF YES: Please do not include CDs that are part of IRAs or

Keoghs I have already recorded.

IF R ASKS: CDs are certificates held for a set period of

time that must be cashed or renewed at the maturity date.

INCLUDE "BANKERS ACCEPTANCES" AND "REPURCHASE AGREEMENTS".

DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY LIVING HERE.

1. *YES

5. *NO

X3720 Altogether, how many such CDs do you have?

Altogether, how many such CDs do you and your family living

here have?

Code number

0. Inap. (no certificates of deposit: X3719^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 20

*********************************************************

X3721 What is the total dollar value of all these CDs?

What is the total dollar value of this CD?

Code amount

0. Inap. (no certificates of deposit: X3719^=1)

X3722 X3723 X3724 X3725 X7618 X6654 X6655

Please look at the list of institutions you wrote down.

(Is this/Are these) CD(s) with any of the institutions

on the list, or from someplace else?

IF INSTITUTIONS LIST: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT

THIS POINT./IF "SOMEPLACE ELSE": What type of institution

is that?)

Please look at the Institutions Card. (Is this/Are these)

(Is this/ Are these) CD(s) with any of the institutions on

the Institutions Card, or from someplace

else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS

MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of

institution is that?)

CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (no certificates of deposit: X3719^=1; if there

are any CDs, the first field must be non-zero, but

higher-order fields may be inap.)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMMERCIAL BANK; trust company

12. *S&L/SAV BANK

13. *CREDIT UNION

16. *BROKERAGE

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X9134 X9135 X9136 X9137 X9214 X9217 X9218

Recode: type of institution

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (no certificates of deposit: X3719^=1; if there

are any CDs, the first field must be non-zero, but

higher order fields may be inap.)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X3726 How many different institutions do you use for all these CDs?

Code number

0. Inap. (no certificates of deposit: X3719^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 10

*********************************************************

X7620 Is this CD held jointly, or is it in your name, in your

husband's name, or something else?

Is this CD held jointly, or is it in your name, in your

wife's name, or something else?

Is this CD held jointly, or is it in your name, in your

partner's name, or something else?

Is this CD in your name or something else?

Is this CD held jointly, or is it in your name?

Is most of the money in these CDs held jointly, or is most

of it in your name, in your husband's name, or something else?

Is most of the money in these CDs held jointly, or is most

of it in your name, in your wife's name, or something else?

Is most of the money in these CDs held jointly, or is most

of it in your name, in your partner's name, or something else?

Is most of the money in these CDs in your name or something else?

Is most of the money in these CDs held jointly, or is most

of it in your name?

1. *Joint account; with spouse/partner

2. *R's account

3. *Spouse's/partner's account

4. Other family member's account

5. Child only

6. Child and respondent or spouse

8. Other relative with respondent or spouse

9. Unrelated person, n.f.s.

10. Unrelated person with respondent or spouse

11. Equal amounts in R and spouse/partner names

50. Trust account

51. Personal business account

-7. *Other

0. Inap. (no certificates of deposit: X3719^=1; R lives

alone: X7001=1)

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

SAVINGS/MONEY MARKET ACCOUNTS

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

X3727 Do you have any savings or money market accounts? These

could be traditional savings accounts, Coverdell or 529

education accounts, Christmas Club accounts, or any type

of savings or money market account I have not already

recorded.

Do you or anyone in your family living here have any

savings or money market accounts? These could be

traditional savings accounts, Coverdell or 529 education

accounts, Christmas Club accounts, or any type of savings

or money market account I have not already recorded.

PROBE: Please do not include flexible spending accounts or

accounts that are part of pension plan.

A MONEY MARKET ACCOUNT HAS AN INTEREST RATE THAT VARIES

FROM MONTH TO MONTH, AND IT USUALLY HAS LIMITED CHECKING

PRIVILEGES.

COVERDELL ACCOUNTS AND STATE-SPONSORED "529" ACCOUNTS ARE

EDUCATIONAL SAVINGS PLANS (ESAs).

DO NOT INCLUDE CUSTODIAL ACCOUNTS HELD FOR PEOPLE NOT IN

THE FAMILY LIVING HERE. INCLUDE ALL ACCOUNTS IN WHICH THE

FAMILY HAS ANY ASSET INTEREST.

1. *YES

5. *NO

X3728 How many such accounts do you have?

How many such accounts do you and your family living here

have?

DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY

LIVING HERE.

Code number of accounts

0. Inap. (no savings accoutnsL X3727^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 10

*********************************************************

X6755 Originally reported value of X3728 (see introduction)

Code number of accounts

0. Inap. (no savings accounts: X3727^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 10

*********************************************************

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

#1 refers to the first savings account

#2 refers to the second savings account

#3 refers to the third savings account

#4 refers to the fourth savings account

#5 refers to the fifth savings account

#6 refers to the sixth savings account

#7 refers to the remaining savings accounts

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

X3729(#1) Please look at the list of institutions you wrote down. [Is

X3735(#2) (this account/the largest account)/Thinking about the next

X3741(#3) largest savings account, is it] with any of the institutions

X3747(#4) on the list, or from someplace else?

X3753(#5)

X3759(#6) IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED

AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution

is that?)

Please look at the Institutions Card. [Is (this

account/the largest account)/Thinking about the next

largest savings account, is it] with any of the institutions

on the list, or from someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION

IS MENTIONED AT THIS POINT./IF "SOMEPLACE ELSE":What type

of institution is that?)

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (no savings accounts: X3727^=1/fewer than 2

accounts: X3728<2/fewer than 3 account: X3728<3/fewer

than 4 accounts: X3728<4/fewer than 5 accounts:

X3728<5/fewer than 6 accounts)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMMERCIAL BANK; trust company

12. *S&L/SAV BANK

13. *CREDIT UNION

16. *BROKERAGE

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X9259(#1) Recode: type of institution

X9260(#2)

X9261(#3) See MASTER INSTITIUTION LIST for other codes (See X308)

X9262(#4) 0. Inap. (no savings accounts: X3727^=1/fewer than 2

X9263(#5) accounts: X3728<2/fewer than 3 account: X3728<3/fewer

X9264(#6) than 4 accounts: X3728<4/fewer than 5 accounts: X3728<5

X3728<5/fewer than 6 accounts)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X3730(#1) How much is in this account?

X3736(#2)

X3742(#3) Code amount

X3748(#4) -1. Nothing

X3754(#5) 0. Inap. (no savings accounts: X3727^=1/fewer than 2

X3760(#6) accounts: X3728<2/fewer than 3 account: X3728<3/fewer

than 4 accounts: X3728<4/fewer than 5 accounts: X3728<5

X3728<5/fewer than 6 accounts)

X3731(#1) Is this a joint account, or is the account in your

X3737(#2) name, in your husband's name, or something else?

X3743(#3)

X3749(#4) Is this a joint account, or is the account in your

X3755(#5) name, in your wife's name, or something else?

X3761(#6)

Is this a joint account, or is the account in your

name, in your partner's name, or something else?

Is this account in your name or something else?

Is this a joint savings account, or is the account in your

name?

1. *Joint account; with spouse/partner

2. *R's account

3. *Spouse's/partner's account

4. Other family member's account

5. Child only

6. Child and respondent or spouse

8. Other relative with respondent or spouse

9. Unrelated person, n.f.s.

10. Unrelated person with respondent or spouse

50. Trust account

51. Personal business account

-7. *Other

0. Inap. (no savings accounts: X3727^=1/fewer than 2

accounts: X3728<2/fewer than 3 account: X3728<3/fewer

than 4 accounts: X3728<4/fewer than 5 accounts: X3728<5

X3728<5/fewer than 6 accounts)

X3732(#1) What type of account is this? (Is it a traditional savings

X3738(#2) account, a Coverdell or 529 educational account, a money market

X3744(#3) account, or some other type of account?)

X3750(#4)

X3756(#5) PASSBOOK AND STATEMENT ACCOUNTS ARE TRADITIONAL SAVINGS ACCOUNTS.

X3762(#6) COVERDELL ACCOUNTS AND STATE-SPONSORED "529" ACCOUNTS ARE

EDUCATIONAL SAVINGS PLANS (ESAs)

DO NOT INCLUDE EMPLOYER-SPONSORED FLEXIBLE SPENDING PLANS.

1. *TRADITIONAL SAVINGS ACCOUNT; "passbook account";

"statement account"

2. *COVERDELL/EDUCATION IRA

3. *529/STATE-SPONSORED EDUCATION ACCOUNT

4. *MONEY MARKET ACCOUNT

5. Christmas club account; other account for designated saving

purpose (e.g., vacation)

6. Share account

12. Floating interest rate accounts (other than those coded 5)

14. Informal group saving arrangement

15. Medical savings account

20. Foreign account type

30. Sweep account n.e.c.; cash management account

-7. *OTHER

0. Inap. (no savings accounts: X3727^=1/fewer than 2

accounts: X3728<2/fewer than 3 account: X3728<3/fewer

than 4 accounts: X3728<4/fewer than 5 accounts: X3728<5

X3728<5/fewer than 6 accounts)

*********************************************************

FOR THE PUBLIC DATA SET, CODES 14 AND 20 ARE COMBINED

WITH CODE 1; CODES 3 AND 15 ARE COMBINED WITH CODE 2;

CODE 30 IS COMBINED WITH CODE 12

*********************************************************

X7080(#1) How is the money in this account invested? Is it all

X7082(#2) in stocks, all in interest-earning assets, is it split

X7084(#3) between these, or something else?

X7086(#4)

X7088(#5)

X7090(#6)

IF R SAY "MUTUAL FUND," PROBE FOR WHETHER IT IS A STOCK

FUND, A BOND FUND, OR ONE SPLIT OVER BOTH TYPES

1. *ALL IN STOCKS

2. *ALL IN INTEREST EARNING ASSETS/BONDS

3. *SPLIT

4. Real estate

5. Hedge fund

6. Annuities

8. Mineral rights

-7. *OTHER

0. Inap. (no savings accounts: X3727^=1/fewer than 2

accounts: X3728<2/fewer than 3 account: X3728<3/fewer

than 4 accounts: X3728<4/fewer than 5 accounts: X3728<5

X3728<5/fewer than 6 accounts; not a Coverdell or

529 education account: X3732^=2 or 3/X3738^=2 or 3/

X3744^= 2 or 3/X3750^= 2 or 3/X3756^= 2 or 3/

X3762^= 2 or 3)

X7081(#1) About what percent is in stocks?

X7083(#2)

X7085(#3) Code percent * 100

X7087(#4)

X7089(#5) 0. Inap. (no savings accounts: X3727^=1/fewer than 2

X7091(#6) accounts: X3728<2/fewer than 3 account: X3728<3/fewer

than 4 accounts: X3728<4/fewer than 5 accounts: X3728<5

X3728<5/fewer than 6 accounts; not a Coverdell or

529 education account: X3732^=2 or 3/X3738^=2 or 3/

X3744^= 2 or 3/X3750^= 2 or 3/X3756^= 2 or 3/

X3762^= 2 or 3; holdings not split: X7080^=3/X7082^=3/

X7084^=3/X7086^=3/X7088^=3/X7090^=3)

X3733(#1) Does this account have check-writing privileges?

X3739(#2)

X3745(#3) 1. *YES

X3751(#4) 5. *NO

X3757(#5) 0. Inap. (no savings accounts: X3727^=1/fewer than 2

X3763(#6) accounts: X3728<2/fewer than 3 account: X3728<3/fewer

than 4 accounts: X3728<4/fewer than 5 accounts: X3728<5

X3728<5/fewer than 6 accounts; not a money market or

OTHER account: X3732^=4 or -7/X3738^=4 or -7/X3744

^=4 or -7/X3750^=4 or -7/X3756^=4 or -7/X3762^=4 or -7))

X7085(#1) Is this account covered by federal deposit insurance?

X7086(#2)

X7087(#3) DEPOSIT INSURANCE IS PROVIDED BY THE FDIC (FEDERAL DEPOSIT

X7088(#4) INSURANCE CORPORATION) AND NCUSIF (NATIONAL CREDIT UNION

X7089(#5) SHARE INSURANCE FUND). IF THE INSTITUTION GOES BANKRUPT,

X7090(#6) DEPOSIT INSURANCE WOULD PAY UP TO $100,000 OF AN ACCOUNT

BALANCE.

1. *YES

5. *NO

0. Inap. (no savings accounts: X3727^=1/fewer than 2

accounts: X3728<2/fewer than 3 account: X3728<3/fewer

than 4 accounts: X3728<4/fewer than 5 accounts: X3728<5

X3728<5/fewer than 6 accounts)

X3765(#7) How much is in all your remaining savings accounts? (What

was the average over the last month?)

How much is in all your family's remaining savings

accounts? (What was the average over the last month?)

Code amount

-1. Nothing

0. Inap. (no savings accounts: X3727^=1; fewer than 7

accounts: X3728<7)

X8473(#7) Original value of remaining total for Rs who did not

provide complete information within the grid structure (see

introduction)

Code amount

0. Inap. (no savings accounts: X3727^=1; did not

break off early in grid)

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

MUTUAL FUNDS

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

X3819 Do you (or anyone in your family living here) have any

mutual funds or hedge funds?

IF YES: Please do not include any pension or 401(k) accounts,

or assets you have already told me about.

INCLUDE OPEN-END AND CLOSED-END FUNDS, UNIT TRUSTS, EQUITY

TRUSTS, LOAD AND NO-LOAD FUNDS, COMMODITY POOLS, REITs

(REAL ESTATE INVESTMENT TRUSTS), MORTGAGE TRUSTS, AND

ALL OTHER TYPES OF MUTUAL FUNDS.

1. *YES

5. *NO

X3821 I need to know what types of funds you have. Do you

have. . .

stock mutual funds?

(IF R ASKS, STOCK FUNDS INCLUDE DOMESTIC STOCK FUNDS,

GROWTH FUNDS, INDEX FUNDS, GLOBAL STOCK FUNDS, SECTOR

FUNDS, AND ANY OTHER TYPE OF FUND PRIMARILY INVESTED

IN STOCK.)

1. *YES

5. *NO

0. Inap. (no mutual funds: X3819^=1)

X3822 What is the total market value of all of the stock mutual

funds that you have?

What is the total market value of all of the stock mutual

funds that you and your family living here have?

Code amount

0. Inap. (no mutual funds: X3819^=1; no stock funds: X3821^=1)

X3823 Do you have. . .

tax-free bond funds?

THESE FUNDS INCLUDE MUNICIPAL BONDS ("MUNIs") AND

OTHER TAX-EXEMPT BONDS

1. *YES

5. *NO

0. Inap. (no mutual funds: X3819^=1)

X3824 What is the total market value of all of the tax-free bond

mutual funds that you have?

What is the total market value of all of the tax-free bond

mutual funds that you and your family living here have?

Code amount

0. Inap. (no mutual funds: X3819^=1; no tax-free bond

funds: X3823^=1)

X3825 Do you have. . .

government or government backed bond mutual funds?

THESE FUNDS INCLUDE U.S. TREASURY BILLS AND BONDS AND OTHER

U.S. GOVERNMENT-SPONSORED BONDS.

1. *YES

5. *NO

0. Inap. (no mutual funds: X3819^=1)

X3826 What is the total market value of all of the government or

government backed bond mutual funds that you have?

What is the total market value of all of the government or

government backed bond mutual funds that you and your family

living here have?

Code amount

0. Inap. (no mutual funds: X3819^=1; no government or

government backed bond funds: X3825^=1)

X3827 Do you have. . .

other bond mutual funds?

THESE FUNDS INCLUDE COPORATE BONDS, COMMERCIAL PAPER, JUNK

BONDS, AND ALL REMAINING TYPES OF BONDS

1. *YES

5. *NO

0. Inap. (no mutual funds: X3819^=1)

X3828 What is the total market value of all of the other bond

mutual funds that you have?

What is the total market value of all of the other bond

mutual funds that you and your family living here have?

Code amount

0. Inap. (no mutual funds: X3819^=1; no other bond

funds: X3827^=1)

X3829 Do you have. . .

combination funds?

COMBINATION FUNDS ("BALANCED FUNDS") HOLD BOTH STOCK

AND BONDS; ALSO INCLUDE REITs, AND MISC. TYPES OF FUNDS

1. *YES

5. *NO

0. Inap. (no mutual funds: X3819^=1)

X3830 What is the total market value of all of the combination

funds that you have?

What is the total market value of all of the combination

funds that you and your family living here have?

Code amount

0. Inap. (no mutual funds: X3819^=1; no combination

mutual funds: X3829^=1)

X7785 Do you have. . .

any other mutual funds or hedge funds?

1. *YES

5. *NO

0. Inap. (no mutual funds: X3819^=1)

X7787 What is the total market value of all of these other

funds that you have?

What is the total market value of all of these other

funds that you and your family living here have?

Code amount

0. Inap. (no mutual funds: X3819^=1; no other types of

mutual funds: X7785^=1)

NOTE: X7787 consists almost entirely of hedge funds and

a small amount of exchange traded funds (ETF).

If the R reported having a mutual fund (X3819=1) , but answered NO to

having all types (X3821=5, X3823=5, X3825=5, X3827=5, X3829=5 and

X7785=5), the the CAPI program asked what type of fund the R had and

requested the total amount in mutual funds; based on the information

provided, these funds were reclassified. As in the cases where R

broke off before completing a grid, this total amount was used as a

constraint in the imputation of the individual components.

(What kinds of funds are these? PLEASE SPECIFY.)

X6704 What is the total market value of all of the mutual funds

that you have?

What is the total market value of all of the mutual funds

that you and your family living here have?

Code amount

0. Inap. (no mutual funds: X3819^=1; R answered YES to at

least one type of ownership question)

X3820 In how many different mutual funds do you own shares?

In how many different mutual funds does your family own

shares?

(INTERVIEWER: WE WANT THE NUMBER OF FUNDS, NOT THE NUMBER

OF FUND MANAGEMENT COMPANIES.)

Code number of plans

0. Inap. (no mutual funds: X3819^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 25

*********************************************************

X6799 X6800 X6801 X6802 X6803 X6850 X6851 X6852

Please look at the list of institutions you wrote down.

(Is this/Are these) mutual fund(s) with any of the

institutions on the list, or from someplace else?

IF INSTITUTIONS LIST: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT

THIS POINT./IF "SOMEPLACE ELSE": What type of institution

is that?)

Please look at the Institutions Card.

(Is this/ Are these) mutual fund(s) with any of the

institutions on the Institutions Card, or from someplace

else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS

MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of

institution is that?)

CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

SEE MASTER INSTITUTION LIST

0. Inap. (no mutual funds: X3819^=1; if there are any

mutual funds, the first field must be non-zero, but

higher-order fields may be inap.)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMMERCIAL BANK; trust company

12. *S&L/SAV BANK

14. *FINANCE/LOAN CO

16. *BROKERAGE

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X9225 X9226 X9227 X9228 X9229 X9230 X9231 X9232

Recode: type of institution

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (no mutual funds: Xxxxx=5; if there are any

mutual funds, the first field must be non-zero, but

higher-order fields may be inap.)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X3831 Overall has there been a gain or loss in the value of all

these mutual fund shares since you obtained them?

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: X3819^=1)

How much have they gained in value since they were obtained?

X3832 Code percent gain * 100

-2. Virtually all

0. Inap. (no mutual funds: X3819^=1; no gain: X3831^=1)

*********************************************************

FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 100

WITH A BOTTOM-CODE AT 100. FOR VALUES ABOVE 10000,

ROUNDING TO 2 SIGNIFICANT DIGITS

*********************************************************

X3833 Code amount

-2. Virtually all

0. Inap. (no mutual funds: X3819^=1; no gain: X3831^=1)

How much have they lost in value since they were obtained?

X3834 Code percent * 100

-2. Virtually all

0. Inap. (no mutual funds: X3819^=1; no loss: X3831^=5)

*********************************************************

FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 100

WITH A BOTTOM-CODE AT 100

*********************************************************

X3835 Code amount

-2. Virtually all

0. Inap. (no mutual funds: X3819^=1; no loss: X3831^=5)

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

SAVINGS BONDS

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

X3901 Do you have any U.S. government savings bonds?

Do you or anyone in your family here have any

U.S. government savings bonds?

OLDER SAVINGS BONDS MAY BE SERIES E AND H.

MORE RECENT SAVINGS BONDS INCLUDE SERIES EE, HH, AND I.

ONE WAY SAVINGS BONDS CAN BE PURCHASED IS BY PAYROLL DEDUCTION.

1. *YES

5. *NO

X3902 What is the total face value of all the savings bonds that you

have?

and your family have?

Code amount

0. Inap. (no savings bonds: X3901^=1)

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

BONDS OTHER THAN SAVINGS BONDS

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

X3903 Do you (or anyone here) have any other corporate,

municipal, government, or other type of bonds or bills?

IF YES: Please do not include bonds or bills held in

pension accounts, or any other accounts I have already recorded.

1. *YES

5. *NO

X3905 I need to know what types of bonds or bills you have. Do

you have. . .

mortgage-backed bonds such as those from "Ginnie-Mae",

"Fannie-Mae" or "Freddie-Mac"?

1. *YES

5. *NO

0. Inap. (no bonds: X3903^=1)

X3906 What is the face value of all of the mortgage-backed bonds

that you have?

What is the face value of all of the mortgage-backed bonds

that you and your family living here have?

Code amount

0. Inap. (no bonds: X3903^=1; no mortgage backed bonds:

X3905^=1)

X7635 What is the total market value?

Code amount

0. Inap. (no bonds: X3903^=1; no mortgage backed bonds:

X3905^=1)

X3907 Do you have. . .

U.S. Government bonds or Treasury bills?

INCLUDE U.S. GOVERNMENT BILLS AND BONDS AS WELL AS ALL

U.S. GOVERNMENT AGENCY BONDS

1. *YES

5. *NO

0. Inap. (no bonds: X3903^=1)

X3908 What is the face value of all of the U.S. Government bonds

or Treasury bills that you have?

What is the face value of all of the U.S. Government bonds

or Treasury bills that you and your family living here have?

Code amount

0. Inap. (no bonds: X3903^=1; no govenment bonds or bills:

X3907^=1)

X7636 What is the total market value?

Code amount

0. Inap. (no bonds: X3903^=1; no govenment bonds or bills:

X3907^=1)

X3909 Do you have. . .

state or municipal bonds, or other taxfree bonds?

ALSO INCLUDE "REVENUE BONDS," "INDUSTRIAL DEVELOPMENT

BONDS," AND OTHER BONDS ISSUED BY STATE AND LOAN

GOVERNMENTS

1. *YES

5. *NO

0. Inap. (no bonds: X3903^=1)

X3910 What is the face value of all of the state or municipal

bonds, or other taxfree bonds that you have?

What is the face value of all of the state or municipal

bonds, or other taxfree bonds that you and your family

living here have?

Code amount

0. Inap. (no bonds: X3903^=1; no taxfree bonds: X3909^=1)

X7637 What is the total market value?

Code amount

0. Inap. (no bonds: X3903^=1; no taxfree bonds: X3909^=1)

X7631 Do you have. . .

foreign bonds?

INCLUDE BONDS ISSUED BY FOREIGN GOVERNMENTS OR COMPANIES

1. *YES

5. *NO

0. Inap. (no bonds: X3903^=1)

X7633 What is the face value of all of the foreign bonds

that you have?

What is the face value of all of the foreign bonds

that you and your family living here have?

Code amount

0. Inap. (no bonds: X3903^=1; no foreign bonds: X7631^=1)

X7638 What is the total market value?

Code amount

0. Inap. (no bonds: X3903^=1; no foreign bonds: X7631^=1)

X7632 Do you have. . .

corporate or any other type of bonds?

INCLUDE CORPORATE BONDS, COMMERCIAL PAPER, JUNK

BONDS, AND MISC. BONDS NOT ALREADY MENTIONED

1. *YES

5. *NO

0. Inap. (no bonds: X3903^=1)

X7634 What is the face value of all of the corporate or any other

type of bonds that you have?

What is the face value of all of the corporate or any other

type of bonds that you and your family living here have?

Code amount

0. Inap. (no bonds: X3903^=1; no corporate bonds: X7632^=1)

X7639 What is the total market value?

Code amount

0. Inap. (no bonds: X3903^=1; no corporate bonds: X7632^=1)

If the R reported having some type of bonds (X3903=1) , but answered NO

to having all types (X3905=5, X3907=5, X3909=5, X7631=5, and X7632=5),

the the CAPI program asked what type of bond the R had and requested

the total face and market value of all bonds; based on the

information provided, these bonds were reclassified. As in the cases

where R broke off before completing a grid, this total amount was used

as a constraint in the imputation of the individual components.

(PLEASE EXPLAIN TYPE OF BONDS.)

X6705 What is the face value of all of the bonds that you have?

What is the face value of all of the bonds that you and your

family living here have?

Code amount

0. Inap. (no bonds: X3903^=1; R answered YES to at

least one type of ownership question)

If the R reported having some type of bonds (X3903=1) , but answered NO

to having all types (X3905=5, X3907=5, X3909=5, X7631=5, and X7632=5),

the the CAPI program asked what type of bond the R had and requested

the total face and market value of all bonds; based on the

information provided, these bonds were reclassified. As in the cases

where R broke off before completing a grid, this total amount was used

as a constraint in the imputation of the individual components.

X6706 What is the total market value?

Code amount

0. Inap. (no bonds: X3903^=1; R answered YES to at

least one type of ownership question)

X3904 How many different bonds or bills do you own?

How many different bonds or bills do you or your family own?

Code number

0. Inap. (no bonds: X3903^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 150

*********************************************************

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

PUBLICLY TRADED STOCK

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

X3913 Do you (or anyone in your family living here) own any stock

which is publicly traded?

IF YES: Please do not include stock held through pension

accounts, or assets that I have already recorded.

1. *YES

5. *NO

X3914 In how many different companies do you own stock?

In how many different companies do you or your family

living here own stock?

WE WANT THE NUMBER OF COMPANIES IN WHICH R OWNS STOCK, NOT

THE NUMBER OF INDIVIDUAL SHARES.

Code number

0. Inap. (no stocks: X3913^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 150

*********************************************************

X3915 What is the total market value of this stock?

IF R BOUGHT THE STOCK "ON MARGIN" (BORROWED ON THE STOCK

TO BUY IT), WE WANT THE GROSS VALUE OF THE STOCK.

Code amount

0. Inap. (no stocks: X3913^=1)

X3921 Of your publicly-traded stock, is any of it stock in a

company where you work or have worked?

Of your family's publicly-traded stock, is any of it stock

in a company where you or anyone in your family living here

work or have worked?

DO NOT INCLUDE BUSINESSES REPORTED EARLIER.

DO NOT INCLUDE STOCK HELD THROUGH A RETIREMENT ACCOUNT AT

WORK.

1. *YES

5. *NO

0. Inap. (no stocks: X3913^=1)

X7191 Did you include this stock in the value of your total

holdings that you just told me?

1. *YES

3. NO initially, but fixed in editing YES

0. Inap. (no stocks: X3913^=1; no stock in company where

work: X3921^=1)

X3922 What is the total market value of your stock in the company?

Code amount

0. Inap. (no stocks: X3913^=1; no stock in company where

work: X3921^=1)

X7640 Of your stock, is any of it stock in a company

headquartered outside of the United States?

Of your family's stock, is any of it stock in a company

headquartered outside of the United States?

1. *YES

4. Yes, but included with company stock

5. *NO

0. Inap. (no stocks: X3913^=1)

X7192 Did you include this stock in the value of your total

holdings that you told me?

1. *YES

3. NO initially, but fixed in editing YES

0. Inap. (no stocks: X3913^=1; no foreign stock: X7640^=1)

X7641 What is the total market value in dollars of this stock?

Code amount

0. Inap. (no stocks: X3913^=1; no foreign stock: X7640^=1)

X3916 Overall has there been a gain or loss in the value of this

stock since you obtained it?

Overall has there been a gain or loss in the value of all

of your family's stock since you or someone in your family

here obtained it?

1. *Gain

3. *Neither gain nor loss

5. *Loss

0. Inap. (no stocks: X3913^=1)

How much has it gained in value since it was obtained?

X3917 Code percent * 100

-2. Virtually all

0. Inap. (no stocks: X3913^=1; no gain: X3916^=1)

*********************************************************

FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 100

WITH A BOTTOM-CODE AT 100. FOR VALUES ABOVE 10000,

ROUNDING TO 2 SIGNIFICANT DIGITS

*********************************************************

X3918 Code amount

-2. Virtually all

0. Inap. (no stocks: X3913^=1; no gain: X3916^=1)

How much has it lost in value since it was obtained?

X3919 Code percent * 100

-2. Virtually all

0. Inap. (no stocks: X3913^=1; no loss: X3916^=5)

*********************************************************

FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 100

WITH A BOTTOM-CODE AT 100

*********************************************************

X3920 Code amount

-2. Virtually all

0. Inap. (no stocks: X3913^=1; no loss: X3916^=5)

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

BROKERAGE ACCOUNTS

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

X3923 Do you have a brokerage account for the purchase or sale of

stocks and other securities?

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

X3924 X3925 X3926 X3927 X7642 X6668 X6669

Please look at the list of institutions you wrote down.

(Is this/Are these) account(s) with any of the institutions

on the Institutions Card, or from someplace else?

IF INSTITUTIONS LIST: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT

THIS POINT./IF "SOMEPLACE ELSE": What type of institution

is that?)

Please look at the Institutions Card. (Is this/Are these)

account(s) with any of the institutions on the Institutions

Card, or from someplace else?

IF INSTITUTIONS CARD: Which institution?

(IF "SOMEPLACE ELSE": What institution is that?

CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS

MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of

institution is that?)

CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (no brokerage account: X3923^=1)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMMERCIAL BANK; trust company

12. *S&L/SAV BANK

13. *CREDIT UNION

16. *BROKERAGE

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X9143 X9144 X9145 X9146 X9212 X9219 X9220

Recode: type of institution

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (no brokerage account: X3923^=1)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

Over the past year, about how many times did you buy or

sell stocks or other securities through a broker?

Over the past year, about how many times did you or anyone

in your family living here buy or sell stocks or other

securities through a broker?

ENTER ZERO FOR NONE.

X3928 Code number

-1. None

0. Inap. (no brokerage account: X3923^=1)

*********************************************************

FOR THE PUBLIC DATA SET, TOP-CODED AT 300

*********************************************************

X7193 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

Code frequency

1. *DAY

2. *WEEK

3. Every two weeks

4. *MONTH

5. *QUARTER

6. *YEAR

8. In total

11. Twice per year; every six months

12. Every two months

18. Hour

22. Varies

25. Over 2 years

31. *Twice a month

-1. None

-7. *OTHER

0. Inap. (no brokerage account: X3923^=1)

X3929 Not including any accounts you've told me about, do you

have a "cash" or "call money" account at a stock brokerage?

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 brokerage account: X3923^=1)

X3930 What is the total dollar value of all the cash or call

money accounts

that you have?

that you and your family living here have?

Code amount

-1. Nothing

0. Inap. (no brokerage account: X3923^=1; no call

account: X3929^=1)

X3931 Do you (or anyone in your family living here) currently

have any margin loans at a stock brokerage?

IF YES, SAY: Please do not include any loans I have already

recorded.

1. *YES

5. *NO

0. Inap. (no brokerage account: X3923^=1)

X3932 Altogether, what is the current balance on these margin loans?

Code amount

0. Inap. (no brokerage account: X3923^=1; no margin loan:

X3931^=1)

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

ANNUITIES, TRUSTS, AND MANAGED INVESTMENT ACCOUNTS

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

X6815 IN PERSON VERSION:

(SHOW CARD 10)

Do you (or anyone in your family here)

receive income from or have assets in an annuity? Please do

not include job pensions.

TELEPHONE VERSION:

Do you (or anyone in your family here)

receive income from or have assets in an annuity? Please do

not include job pensions.

1. *YES

5. *NO

X6575 Did you (or your family living here) purchase these

annuities using or rolling over a lump-sum distribution

of settlement from a past job pension?

1. *YES

5. *NO

0. Inap. (No annuities: X6815=5)

X6576 Could you (or your family living here) cash in any of these

annuities if you wanted to? That is, do you have an

equity interest in any of the annuities?

WE DO NOT CARE IF THERE IS A PENALTY FOR CASHING IN THE ANNUITY.

1. *YES

5. *NO

0. Inap. (No annuities: X6815=5)

X6577 How much would you receive if you cashed in these annuities?

Code amount

0. Inap. (No annuities: X6815=5; no annuities that could

be cashed in: X6576=5)

X6578 How much income did you (or your family living here)

receive in 2003 from these annuities you could cash in?

Code amount

-1. None

0. Inap. (No annuities: X6815=5; no annuities that could

be cashed in: X6576=5)

X6579 Do you (or your family living here) also have annuities

which you could not cash in?

1. *YES

5. *NO

0. Inap. (No annuities: X6815=5; no annuities that could

be cashed in: X6576=5)

X6580 IF X6576=5 THEN ASK: How much income did you (or your

family living here) receive in 2003 from all the annuities?

OTHERWISE ASK: How much income did you (or your family

living here) receive in 2003 from the annuities you could

not cash in?

Code amount

-1. None

0. Inap. (No annuities: X6815=5; no annuities that could

be not cashed in: X6579=5)

X8480 Orignally reported value for annuity income in the case

where the respondent did not provide a value for the type

of annuity (X6576). In imputation, the value here is

assigned to X6578 or X6580, or the amount is split between

these two variables.

Code amount

-1. None

0. Inap. (No annuities: X6815=5; non-missing value at X6576)

X6821 X6822 X6823 X6824 X6825

Who manages the annuities--is it any of the institutions

from the list that you wrote down, or are they managed by

someone else?

IF INSTITUTIONS LIST: Which institution(s)?

(IF "SOMEPLACE ELSE": What institution is that?

ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT

THIS POINT./ IF "SOMEPLACE ELSE": What type of institution

is that?)

Who manages the annuities--is it any of the institutions

on the Institutions Card, or are they managed by someone

else?

IF INSTITUTIONS CARD: Which institution(s)?

(IF "SOMEPLACE ELSE": What institution is that?

CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS

MENTIONED AT THIS POINT./

IF "SOMEPLACE ELSE": What type of institution is that?)

INCLUDE ALL ACCOUNTS REGARDLESS OF WHETHER THEY CAN BE CASHED IN.

CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

SEE MASTER INSTITIUTION LIST

0. Inap. (no annuities: X6815=5; if there are any annuities,

the first field must be non-zero, but higher-order fields

may be inap.)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMMERCIAL BANK; trust company

12. *S&L/SAV BANK

13. *CREDIT UNION

16. *BROKERAGE

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X9236 X9237 X9238 X9239 X9240

Recode: type of institution

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (no annuities: X6815=5; if there are any annuities,

the first field must be non-zero, but higher-order fields

may be inap.)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X6581 How is the money in these annuities invested? Is all of it

in stocks, all of it in interest-earning assets, is it

split between these, or something else?

IF R SAY "MUTUAL FUND," PROBE FOR WHETHER IT IS A STOCK

FUND, A BOND FUND, OR ONE SPLIT OVER BOTH TYPES

1. *ALL IN STOCKS

2. *ALL IN INTEREST EARNING ASSETS/BONDS

3. *SPLIT

4. Real estate

5. Hedge fund

6. Annuities

8. Mineral rights

9. *EIC/INCOME CONTRACT GUARANTEED

-7. *OTHER

0. Inap. (No annuities: X6815=5)

*********************************************************

FOR THE PUBLIC DATA SET, CODES 4, 5, 6, 7 AND 8 ARE

COMBINED WITH CODE -7

*********************************************************

X6582 About what percent is in stocks?

Code percent * 100

0. Inap. (No annuities: X6815=5; holdings not SPLIT:

X6581^=3)

*********************************************************

FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 500 IF

BETWEEN 250 AND 9750 INCLUSIVE, OTHERWISE IF > 0

ROUNDED TO NEAREST 100 WITH A TOP-CODE AT 9900

AND A BOTTOM-CODE AT 100 FOR THOSE VALUES ROUNDED

*********************************************************

X6827 Do you (or anyone in your family here) have income from or

have assets in a trust or managed investment account?

DO NOT INCLUDE FUNDS IN IRREVOCABLE TRUSTS WHERE R HAS

RIGHTS TO NEITHER INCOME NOR ANY OF THE ASSETS. BUT DO

INCLUDE CHARITABLE REMAINDER TRUSTS WHERE R HAS LIFETIME

INCOME RIGHTS

1. *YES

5. *NO

Are these trusts or managed investment accounts?

(CODE ALL THAT APPLY)

X6828 Legal *Trusts

X6829 *Managed investment accounts

X6830 *Other

1. Checked

5. Not checked

10. Charitable remainder trust: does not include

donor-advised funds where R has surrendered all benefit

from the asset (X6830 only)

0. Inap. (no trusts or MIAs: X6827=5)

*********************************************************

FOR THE PUBLIC DATA SET, CODE 10 IS COMBINED WITH "YES"

RESPONSES FOR X6828

*********************************************************

X6583 Does this include any assets you told me about earlier?

1. *YES

5. *NO

0. Inap. (No trusts/MIAs: X6827=5)

X6584 Which ones?

X6595

X6596

X6597

X6598

X6599

X6900

X6901

X6902

X6903

X6904

X6905

1. Principal residence

2. Investment/vacation properties

3. Businesses

4. Checking accounts

5. IRAs/Keoghs

6. CDs

7. Money market/savings accounts

8. Mutual funds

9. Bonds

10. Stocks

11. Annuities

12. Brokerage accounts

13. Managed investment accounts

14. Vehicles/Other vehicles

15. Insurance

16. Other assets recorded at X4019 etc.

-7. *OTHER

0. Inap. (No trusts/MIAs: X6827=5; no assets in account

reported earlier: X6583=5)

X6585 Besides those, do you (or your family living here) have any

other assets in a trust or managed investment account?

1. *YES

5. *NO

0. Inap. (No trusts/MIAs: X6827=5; not included in assets

earlier: X6583=5)

X6586 Could you (or your family living here) cash in any of these

accounts if you wanted to? That is, do you have an

equity interest in any of them?

WE DO NOT CARE IF THERE IS A PENALTY FOR CASHING IN THE ACCOUNT.

1. *YES

5. *NO

0. Inap. (No trusts/MIAs: X6827=5; no other trusts/MIAs:

X6585=5)

X6587 How much would you receive if you cashed in these accounts?

Code amount

0. Inap. (No trusts/MIAs: X6827=5; no other trusts/MIAs:

X6585=5; no trusts/MIAs that could be cashed in: X6586=5)

X6588 How much income did you (or your family living here)

receive in 2003 from these accounts you could cash in?

Code amount

-1. None

0. Inap. (No trusts/MIAs: X6827=5; no other trusts/MIAs:

X6585=5; no trusts/MIAs that could be cashed in: X6586=5)

X6589 Do you (or your family living here) also have such accounts

which you could not cash in?

1. *YES

5. *NO

0. Inap. (No trusts/MIAs: X6827=5; no other trusts/MIAs:

X6585=5; no trusts/MIAs that could be cashed in: X6586=5)

X6590 IF X6586=5 THEN ASK: How much income did you (or your family

living here) receive in 2003 from all these accounts?

OTHERWISE ASK: How much income did you (or your family living

here) receive in 2003 from the accounts you could not cash

in?

Code amount

-1. None

0. Inap. (No trusts/MIAs: X6827=5; no other trusts/MIAs:

X6585=5; no trusts/MIAs that could not be cashed in:

X6589=5)

X8490 Orignally reported value for trust/MIA income in the case

where the respondent did not provide a value for the type

of trust/MIA (X6586). In imputation, the value here is

assigned to X6588 or X6590, or the amount is split between

these two variables.

Code amount

-1. None

0. Inap. (No trusts/MIAs: X6815=5; non-missing value at X6586)

X6836 X6837 X6838 X6839 X6840 X6853

Who manages the accounts--is it any of the institutions

from the list that you wrote down, or are they managed by

someone else?

IF INSTITUTIONS LIST: Which institution(s)?

(IF "SOMEPLACE ELSE": What institution is that?

ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT

THIS POINT./ IF "SOMEPLACE ELSE": What type of institution

is that?)

Who manages the accounts--is it any of the institutions

on the Institutions Card, or are they managed by someone

else?

IF INSTITUTIONS CARD: Which institution(s)?

IF "SOMEPLACE ELSE": What institution is that?

CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS

MENTIONED AT THIS POINT.

INCLUDE ALL ACCOUNTS REGARDLESS OF WHETHER THEY CAN BE CASHED IN.

CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN

1. *Institution 1

2. *Institution 2

3. *Institution 3

4. *Institution 4

5. *Institution 5

6. *Institution 6

7. *Institution 7

-7. *OTHER (Coded using the MASTER INSTITUTION LIST)

SEE MASTER INSTITIUTION LIST

0. Inap. (no trusts or MIAs: X6827=5; no other trusts/MIAs:

X6585=5; if there are any trusts or MIAs, the first

field must be non-zero, but higher-order fields may be

inap.)

The following codes show on the screen after at

least seven distinct institutions have been during

the course of the interview:

11. *COMMERCIAL BANK; trust company

12. *S&L/SAV BANK

13. *CREDIT UNION

16. *BROKERAGE

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X9247 X9248 X9249 X9250 X9251 X9252

Recode: type of institution

See MASTER INSTITIUTION LIST for other codes (See X308)

0. Inap. (no trusts or MIAs: X6827=5; no other trusts/MIAs:

X6585=5; if there are any trusts or MIAs, the first

field must be non-zero, but higher-order fields may be

inap.)

*********************************************************

SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE

COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC

DATA SET

*********************************************************

X6591 How is the money in these accounts invested? Is all of it

in stocks, all of it in interest-earning assets, is it

split between these, or something else?

IF R SAY "MUTUAL FUND," PROBE FOR WHETHER IT IS A STOCK

FUND, A BOND FUND, OR ONE SPLIT OVER BOTH TYPES

1. *ALL IN STOCKS

2. *ALL IN INTEREST EARNING ASSETS/BONDS

3. *SPLIT

4. Real estate

5. Hedge fund

6. Annuities

8. Mineral rights

-7. *OTHER

0. Inap. (No trusts/MIAs: X6827=5; no other trusts/MIAs:

X6585=5)

*********************************************************

FOR THE PUBLIC DATA SET, CODES 4, 5, 6, 7 AND 8 ARE

COMBINED WITH CODE -7

*********************************************************

X6592 About what percent is in stocks?

Code percent * 100

0. Inap. (No trusts/MIAs:

X6585=5; holdings not SPLIT: X6591^=3)

*********************************************************

FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 500 IF

BETWEEN 250 AND 9750 INCLUSIVE, OTHERWISE IF > 0

ROUNDED TO NEAREST 100 WITH A TOP-CODE AT 9900

AND A BOTTOM-CODE AT 100 FOR THOSE VALUES ROUNDED

*********************************************************

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

LIFE INSURANCE

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

X4001 Do you have any life insurance? Please include individual

and group policies, but not accident insurance.

Do you or anyone in your family living here have any life

insurance? Please include individual and group policies,

but not accident insurance.

DO NOT INCLUDE INSURANCE THAT ONLY PAYS IN SPECIAL CIRCUMSTANCES (FOR

EXAMPLE, ACCIDENT LIFE INSURANCE).

1. *YES

5. *NO

X4002 The two major types of life insurance are term and

cash-value policies. Term policies pay a benefit if the

insured person dies, but otherwise have no value. They are

often provided through an employer or union, but may also

be bought by individuals. Cash-value policies also pay a

death benefit, but differ in that they build up a value as

premiums are paid. Other names for types of cash value

policies are "whole life" and "universal life."

Are any of your policies individual term insurance?

Are any of your family's policies individual term insurance?

1. *YES

5. *NO

0. Inap. (no life insurance: X4001^=1)

X4003 What is the current face value of all the term life

policies that you have?

What is the current face value of all the term life

policies that you and your family living here have?

(THE FACE VALUE OF A POLICY IS WHAT THE POLICY WOULD PAY IN

THE EVENT OF DEATH)

Code amount

0. Inap. (no life insurance: X4001^=1; no term insurance:

X4002^=1)

X4004 Do you have any policies that build up a cash value or that

you can borrow on? These are sometimes called "whole

life", "straight life", or "universal life" policies.

DO NOT INCLUDE ANY INSURANCE ANNUITIES ALREADY RECORDED.

Do you have any policies that build up a cash value or that

you can borrow on?

IF R ASKS: D These are sometimes called "whole life",

"straight life", or "universal life" policies.

1. *YES

5. *NO

0. Inap. (no life insurance: X4001^=1)

X4005 What is the current face value of all of the policies that

build up a cash value?

(THE FACE VALUE OF A POLICY IS WHAT THE POLICY WOULD PAY IN

THE EVENT OF DEATH.)

Code amount

0. Inap. (no life insurance: X4001^=1; no cash value

insurance: X4004^=1)

X4006 If you cancelled these policies now, how much would you

receive from the insurance company for the payments you

have made up to now? That is, what is the current "cash

value" of the policies? What is the total cash value of

these policies?

Code amount

-1. Nothing

0. Inap. (no life insurance: X4001^=1; no cash value

insurance: X4004^=1)

X4007 Are you borrowing against these policies?

Are you or your family borrowing against these policies?

1. *YES

5. *NO

0. Inap. (no life insurance: X4001^=1; no cash value

insurance: X4004^=1)

X4008 Is the cash value you just gave me the net cash value, that

is the total cash value minus the loan, or is it the gross

cash value?

1. *Net

2. *Gross

3. Originally reported *net, but edited gross

0. Inap. (no life insurance: X4001^=1; no cash value

insurance: X4004^=1; not borrowing on policy:

X4007^=1; cash value=0: X4006=-1)

X4009 Did I record these loans earlier in the interview?

3. *YES, identified as loan reported earlier

4. *YES, but no apparent match in the data

5. *NO

0. Inap. (no life insurance: X4001^=1; no cash value

insurance: X4004^=1; not borrowing on policy:

X4007^=1; cash value=0: X4006=-1)

X7645 Where did you tell me about these loans?

1. *Credit card or store debt

2. *Mortgage debt

3. *Home equity loan

4. *Other home purchase loan

5. *Home improvement loan

6. *Loan for other real estate

7. *Line of credit

8. *Business loan

9. *Vehicle loan

10. *Education Loan

11. *Other installment loan

12. *Margin loan

13. *Insurance loan

14. *Pension loan

25. Other installment loan #1

26. Other installment loan #2

27. Other installment loan #3

28. Other installment loan #4

29. Other installment loan #5

30. Other installment loan #6

-7. *Other

0. Inap. (no life insurance: X4001^=1; no cash value

insurance: X4004^=1; not borrowing on policy:

X4007^=1; cash value=0: X4006=-1; loan not reported

earlier: X4009^=1)

NOTE: The loan types above marked with an asterisk only

appeared on an interviewer's screen when the respondent had

previously reported having those types of loans.

X8175 Recode: Link code for loan mentioned earlier

1. X415

2. X416

3. X717

4. X418

5. X7500

6. X6648

7. X6649

8. X6720

9. X817

10. X917

11. X1017

12. X1046

13. X1112

14. X1123

15. X1134

16. X1217

17. X1728

18. X1828

19. X1928

20. X2220

21. X2320

22. X2420

23. X7171

24. X2521

25. X2621

26. X7823

27. X7846

28. X7869

29. X7923

30. X7946

31. X7969

32. X2725

33. X2742

34. X2825

35. X2842

36. X2925

37. X2942

38. X3122

39. X3222

40. X3322

0. Inap. (no life insurance: X4001^=1; no cash value

insurance: X4004^=1; not borrowing on policy:

X4007^=1; cash value=0: X4006=-1; loan not reported

earlier: X4009^=1)

X4010 How much is currently borrowed?

Code amount

0. Inap. (no life insurance: X4001^=1; no cash value

insurance: X4004^=1; not borrowing on policy:

X4007^=1; cash value=0: X4006=-1)

X4011 Typically how much are the payments on these loans?

Code amount

-1. Nothing

-2. No typical payment

0. Inap. (no life insurance: X4001^=1; no cash value

insurance: X4004^=1; not borrowing on policy:

X4007^=1; cash value=0: X4006=-1)

X4012 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount paid?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only

11. *Twice per year

12. Every two months

31. *Twice a month

-1. Nothing

-2. No regular payment

-7. *Other

0. Inap. (no life insurance: X4001^=1; no cash value

insurance: X4004^=1; not borrowing on policy:

X4007^=1; cash value=0: X4006=-1)

X4013 What is the current annual rate of interest being charged on

these loans?

Code percent * 100

-1. Nothing

0. Inap. (no life insurance: X4001^=1; no cash value

insurance: X4004^=1; not borrowing on policy:

X4007^=1; cash value=0: X4006=-1)

X4014 How much are the premiums for these policies that build up

a cash value?

Code amount

-1. Nothing

-2. No typical payment

0. Inap. (no life insurance: X4001^=1; no cash value

insurance: X4004^=1)

X4015 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

(And how often is that amount paid?)

Code frequency

2. *Week

3. Every two weeks

4. *Month

5. *Quarter

6. *Year

8. Lump sum; one payment only; in total

11. Twice per year

12. Every two months

21. Policy paid up

31. *Twice a month

-1. Nothing

-2. No typical payment

-7. *Other

0. Inap. (no life insurance: X4001^=1; no cash value

insurance: X4004^=1)

If R reported having life insurance (X4001=1), but reports no term

insurance (X4002=5) and no whole life insurance (X4004=5), then the

CAPI program asked R the total face value of all types of life

insurance. R might also have reported having term insurance, DK

whether other insurance is whole life but still know the face value or

the remaining insurance. If an amount was provided, it was used as a

constraint on the imputation of the sum of the face value of term and

cash value life insurance.

X4016 Other than this term insurance, what is the current face

value of all the life insurance you own?

What is the current face value of all the life insurance

you own?

Other than this term insurance, what is the current face

value of all the life insurance you and your family living

here own?

What is the current face value of all the life insurance

you and your family living here own?

Code amount

0. Inap. (no life insurance: X4001^=1; whole life

insurance: X4004=1; term insurance and not DK

existence of whole life insurance: X4002=1 and

J4004^=2050)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

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

MISCELLANEOUS ASSETS AND DEBTS

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

X4017 We have talked about various types of savings, investments,

and loans. Other than what I have already recorded, are

you owed any money by friends, relatives, businesses, or

others?

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 who are not listed on the card,

businesses, or others?

(WE DO NOT WANT TO INCLUDE LOANS BETWEEN FINANCIALLY

DEPENDENT FAMILY MEMBERS.)

1. *YES

5. *NO

X4018 Altogether, how much are you owed?

Code amount

0. (R not owed money: X4017^=1)

X4019 Other than pension assets and other such retirement assets,

do you have any other substantial assets that I haven't

already recorded -- for example, artwork, precious metals,

antiques, oil and gas leases, futures contracts, future

proceeds from a lawsuit or estate that is being settled,

royalties, or something else?

Other than pension assets and other such retirement assets,

do you or anyone in your family living here have any other

substantial assets that I haven't already recorded -- for

example, artwork, precious metals, antiques, oil and gas

leases, futures contracts, future proceeds from a lawsuit

or estate that is being settled, royalties, or something

else?

(DO NOT INCLUDE PENSION-TYPE OR EMPLOYER PROFIT- SHARING

ACCOUNTS HERE.)

1. *YES

5. *NO

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

#1 refers to the first misc. asset

#2 refers to the second misc. asset

#3 refers to the third misc. asset

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

X4020(#1) About the most valuable of these ..

X4024(#2) What kind of asset is it?

X4028(#3)

INTERVIEWER: GROUP ONLY SIMILAR ITEMS, STARTING WITH THE

MOST VALUABLE GROUP.

1. Gold

2. Silver (incl. silverware)

3. Other metals or metals NA type

10. Jewelry; gem stones (incl. antique)

11. Cars (antique or classic)

12. Antiques; furniture

13. Art objects; paintings, sculpture, textile art,

ceramic art, photographs

14. (Rare) books

15. Coin collections

16. Stamp collections

17. Guns

18. Misc. real estate (except cemetery)

19. Cemetery plots

20. China; figurines; crystal/glassware

21. Musical instruments

22. Livestock; horses; crops

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 (includes expected

settlement from a divorce)

65. Future proceeds from an estate

66. Deferred compensation

67. Insurance Settlement

68. Other deferred income (other than 66)

71. Oil/gas/mineral leases or investments

72. Futures contracts, stock options

73. Royalties; patents

74. Non-publicly traded stock, n.e.c.; stock with

restricted trading rights, n.e.c.

75. Computer

76. Equipment/tools, n.e.c.

77. Future lottery/prize receipts

78. Association, club, or exchange membership

79. Other obligations to R

80. Child support owed to R

81. Remaining payment from sale of an asset; other cash

due from dissolution of business

82. PayPal or other online cash acccount; include online

gambling accounts

83. Tax credit

-7. Other

0. Inap. (no misc. assets: X4019^=1; no further misc.

assets)

NOTE: This question is intended to catch any

significant assets that the respondent might have

omitted earlier, in addition to the items

specifically mentioned in the question text. In many

cases, the data originally reported here may be more

appropriate in another part of the questionnaire. In

such cases, the data are moved and the fact that

information was moved is indicated by the value of the

shadow variable (J-code) of the data in the new

location.

*********************************************************

FOR THE PUBLIC DATA SET, CODES 14, 15, 16, 17, 20,

23, AND 25 ARE COMBINED WITH CODE 12; CODE 61 IS

COMBINED WITH CODE 62; CODE 68 IS COMBINED WITH CODE

66; CODE 72 IS COMBINED WITH CODE 71; CODE 82 IS

COMBINED WITH CODE 63; CODE 78 IS COMBINED WITH CODE

74; CODES 64, 65, 67, 77, 79, 80 AND 83 ARE COMBINED

WITH CODE -7

*********************************************************

X4022(#1) What is the total dollar value that you have in

X4026(#2) this asset?

X4030(#3)

What is the total dollar value that you and your family

living here have in this asset?

Code amount

0. Inap. (no misc. assets: X4019^=1/no second asset:

X4023^=1/no third asset: X4027^=1)

X4023(#2) Do you have any other such substantial assets?

X4027(#3)

1. *YES

5. *NO

0. Inap. (no misc. assets: X4019^=1/no third asset:

X4027^=1)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X4031 Do you owe any other money not recorded earlier?

Do you or anyone in your family living here owe any other

money not recorded earlier?

WE DO NOT WANT TO INCLUDE LOANS BETWEEN FINANCIALLY

DEPENDENT FAMILY MEMBERS.

DO NOT INCLUDE LOANS AGAINST PENSION ACCOUNTS BELONGING TO

R OR SPOUSE.

1. *YES

5. *NO

X4032 How much is owed?

Code amount

0. Inap. (no misc. debts: X4031^=1)

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

ACCOUNTS IN FOREIGN CURRENCY

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

X7647 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

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

CURRENT MAIN JOB OF HEAD AND SPOUSE/PARTNER

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

#1 refers to current job information for head

#2 refers to current job information for spouse/partner

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

X7196(#1) THE FOLLOWING QUESTIONS ARE ASKING ABOUT THE (RESPONDENT'S/

X7263(#2) [SPOUSE/PARTNER'S]) EMPLOYMENT

INTERVIEWER: IF SPOUSE/PARTNER IS PRESENT, TRY TO OBTAIN

EMPLOYMENT INFORMATION FROM (HIM/HER) DIRECTLY.

INTERVIEWER: WHO IS PROVIDING EMPLOYMENT INFORMATION

ABOUT THE (RESPONDENT/[RESPONDENT'S SPOUSE/PARTNER]?)

1. *DESIGNATED RESPONDENT

2. *SPOUSE/PARTNER

3. Case was a breakoff/data missing because of iwer/CAPI error

0. Inap. (/no spouse)

(#1) X6670 X6671 X6672 X6673 X6674 X6675 X6676 X6677

(#2) X6678 X6679 X6680 X6681 X6682 X6683 X6684 X6685

IN PERSON VERSION:

(SHOW CARD 11))

We are interested in your (wife's/partner's) present

job status. (Are you/Is [he/she]) working now,

temporarily laid off, unemployed and looking for work,

on sick leave, disabled and unable to work, retired,

a student, a homemaker, or what?

TELEPHONE VERSION:

CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN

CODE "OTHER" ONLY IF AN APPROPRIATE CODE IS NOT AVAILABLE!

1. *WORKING NOW/SELF-EMPLOYED; job accepted and waiting

to start work

2. *TEMPORARILY LAID OFF; seasonal work and not working

now; leave of absense other than code 8

3. *UNEMPLOYED AND LOOKING FOR WORK

4. *STUDENT; job training

5. *HOMEMAKER; never worked

6. *DISABLED

7. *RETIRED (FULL, PARTIAL, OR TEMPORARY); includes misc.

out of the labor force, n.e.c

8. *ON SICK LEAVE OR MATERNITY LEAVE

10. *VOLUNTEER WORK

11. *ON VACATION/OTHER LEAVE OF ABSENCE

13. On sabbatical/extended leave and expecting to go back

to job

15. *ON STRIKE

-7. *Other

0. Inap. (no further instances; for R at least the first

field must be filled out/no spouse or no further

instances beyond the first field)

NOTE: CARD 11 contains the following text in a vertical

column: "Working now or on strike," "Temporarily laid off;

on sick leave or other type of leave," "Unemployed and

looking for work," "Student," "Homemaker," "Disabled,"

"Retired," "Other."

*********************************************************

FOR THE PUBLIC DATA SET, CODES 11, 13 AND 15 ARE

COMBINED WITH CODE 1

*********************************************************

X4101(#1) (Do you/Does [he/she]) expect to go back to this job?

X4701(#2)

1. *YES

5. *NO

0. Inap. (not laid off, on sick leave or on strike:

X6670-X6677^=(2, 8, 15)/X6678-X6685^=(2, 8, 15);/no spouse)

X4102(#1) When did (you/[he/she]) last work on this job?

X4702(#2)

Code month

1. *January

2. *February

3. *March

4. *April

5. *May

6. *June

7. *July

8. *August

9. *September

10. *October

11. *November

12. *December

0. Inap. (not laid off or on sick leave:

X6670-X6677^=2 or 8/X6678-X6685^=2 or 8;

not expecting to go back to this job:

X4101/X4701^=1;/no spouse)

*********************************************************

NOT INCLUDED IN THE PUBLIC DATA SET

*********************************************************

X4103(#1) Code year (4 digits)

X4703(#2) 0. Inap. (not laid off or on sick leave:

X6670-X6677^=2 or 8/X6678-X6685^=2 or 8;

not expecting to go back to this job:

X4101/X4701^=1;/no spouse)

When did (you/your wife/partner) become disabled?

When did (you/your wife/partner) retire?

X4104(#1) Code year (4 digits)

X4704(#2) 0. Inap. (not retired or disabled: X6670-X6677^=6 or 7/

X6678-X6685^=6 or 7;/no spouse)

X7197(#1) Code age

X7264(#2) -1. Disabled since birth

0. Inap. (not retired or disabled: X6670-X6677^=6 or 7/

X6678-X6685^=6 or 7;/no spouse)

X7198(#1) Code number of years past

X7265(#2) -1. 2004

0. Inap. (not retired or disabled: X6670-X6677^=6 or 7/

X6678-X6685^=6 or 7;/no spouse)

X6780(#1) At any time during the past twelve months, were you

X6784(#2) unemployed and looking for work?

At any time during the past twelve months, was

(he/she) unemployed and looking for work?

1. *YES

5. *NO

0. Inap. (currently unemployed and looking for work:

X6670-X6677=3/X6678-X6685=3;/no spouse)

X6781(#1) Over this period, how many weeks in total (were you/was

X6785(#2) [he/she]) unemployed and looking for work?

Over the past 12 months, how many weeks in total (were you/

was[he/she]) unemployed and looking for work?

Code number of weeks

0. Inap. (not currently unemployed and looking for work

and not unemployed and looking for work in past 12

months: X6670-X6677=^3 and X6780^=1/X6678-X6685=^3 and

X6784^=1;/no spouse)

X4105(#1) (Are you/Is [he/she]) doing any work for pay at the present

X4705(#2) time?

1. *YES

5. *NO

0. Inap. (any work status working or laid off but not

expecting to go back: X6670-X6677=1 or X6670-X6677=2

and X4101=5/X6678-X6685=1 or X6678-X6685=2 and

X4701=5;/no spouse)

X4100(#1) Recode: current work status

X4700(#2)

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

20. Temporarily laid off, expecting to return to work

21. Temporarily laid off, not expecting to return to

job and no current work

22. On sick/maternity leave and expecting to return to

work (also including disabled)

23. On sick/maternity leave, but not expecting to return to work

24. On sabbatical and expecting to go back to work

30. Unemployed and looking for work (also including

homemaker, student, disabled)

50. Retired, retired + disabled, retired + unemployed,

retired + homemaker, retired + student

52. Disabled (also including student, homemaker, and

laid off but not expecting to return to work)

70. Student (also including homemaker)

80. Homemaker/other not in labor force only

85. Unpaid volunteer

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 beside 11, 12, 13,

14, 15 ,16, 17

97. Other (incl. combination) not including WORKER

199. Absent spouse not included in IW

0. Inap. (/no spouse)

X4106(#1) Next are some questions about your (wife's/partner's)

X4706(#2) current, main job. (Do you/Does [he/she]) work for someone

else, (are you/is [he/she]) self-employed, or what?

IF R SAYS ("I RUN MY OWN/SPOUSE RUNS OWN) BUSINESS",

CODE AS SELF-EMPLOYED

1. *Someone else

2. *Self-employed; other closely held business owned by PEU;

consultant

3. *PARTNERSHIP; law firm; medical/dental partnership;

other non-publicly-traded business in which R/S/P has

an interest

-7. *Other

0. Inap. (not working or expecting to go back to work:

X6670-X6677^=1 or X4101=5 or X4105=5/X6678-X6685^=1 or

X4701=5 or X4705=5;/no spouse)

*********************************************************

FOR THE PUBLIC DATA SET, CODE 3 IS COMBINED WITH

CODE 2

*********************************************************

X7092(#1) Earlier you said you did not have a business. Does your

X7095(#2) share of the place where (you/[your husband/wife/partner])

(are self-employed/work in a partnership) have any net

value? How much?

CODE NOTHING AS ZERO

IF VALUE NE 0 ASK: WHAT SHARE DO YOU OWN?

Code amount

-1. Nothing

0. Inap. (not doing any work for pay: X4105=5/X4705=5;/

no spouse; not self-employed: X4106^=2 or 3/

X4706^=2 or 3; no businesses: X3103^=1; no actively

managed businesses: X3104^=1; working at all owned

businesses: X3113^=5 and X3213^=5 and X3313^=5/X3114^=5

and X3214^=5 and X3314^=5; R lives alone: X7001)

X7093(#1) Code share * 100

X7096(#2) 0. Inap. (not doing any work for pay: X4105=5/X4705=5;/

no spouse; not self-employed: X4106^=2 or 3/

X4706^=2 or 3; no businesses: X3103^=1; no actively

managed businesses: X3104^=1; working at all owned

businesses: X3113^=5 and X3213^=5 and X3313^=5/X3114^=5

and X3214^=5 and X3314^=5; R lives alone: X7001)

X7094(#1) What is the cost basis for tax purposes? (What was your

X7097(#2) original investment?)

Code amount

-1. Nothing

0. Inap. (not doing any work for pay: X4105=5/X4705=5;/

no spouse; not self-employed: X4106^=2 or 3/

X4706^=2 or 3; no businesses: X3103^=1; no actively

managed businesses: X3104^=1; working at all owned

businesses: X3113^=5 and X3213^=5 and X3313^=5/X3114^=5

and X3214^=5 and X3314^=5; R lives alone: X7001)

X7402(#1) What kind of business or industry (do you/does your

X7412(#2) [wife/partner]) work in -- that is, what do they make or

do at the place where (you/[he/she]) work(s)?

Code Census 2003 4-digit industry code

Code Industry

Agriculture, Forestry, Fishing and Hunting

170 Crop production

180 Animal production

190 Forestry except Logging

270 Logging

280 Fishing, hunting, and trapping

290 Support activities for agriculture and forestry

Mining

370 Oil and gas extraction

380 Coal mining

390 Metal ore mining

470 Nonmetallic mineral mining and quarrying

480 Not specified type of mining

490 Support activities for mining

Utilities

570 Electric power generation, transmission and distribution

580 Natural gas distribution

590 Electric and gas, and other combinations

670 Water, steam, air conditioning, and irrigation systems

680 Sewage treatment facilities

690 Not specified utilities

Construction

770 Constructions (Includes the cleaning of buildings

and dwellings is incidental during construction and

immediately after construction)

Manufacturing

Nondurable Goods

Food Manufacturing

1070 Animal food, grain and oilseed milling

1080 Sugar and confectionery products

1090 Fruit and vegetable preserving and specialty foods

1170 Dairy products

1180 Animal slaughtering and processing

1190 Retail bakeries

1270 Bakeries, except retail

1280 Seafood and other miscellaneous food, n.e.c.

1290 Not specified food industries

Beverage and Tobacco Products Manufacturing

1370 Beverage

1390 Tobacco

Textile Mills and Textile Product Mills

1470 Fiber, yarn, and thread mills

1480 Fabric mills, except knitting

1490 Textile and fabric finishing and coating mills

1570 Carpets and rugs

1590 Textile product mills except carpets and rugs

Apparel Manufacturing

1670 Knitting mills

1680 Cut and sew apparel

1690 Apparel accessories and other apparel

Leather and Allied Product Manufacturing

1770 Footwear

1790 Leather tanning and products, except footwear

Paper Manufacturing

1870 Pulp, paper, and paperboard mills

1880 Paperboard containers and boxes

1890 Miscellaneous paper and pulp products

Printing and Related Support Activities

1990 Printing and related support activities

Petroleum and Coal Products Manufacturing

2070 Petroleum refining

2090 Miscellaneous petroleum and coal products

Chemical Manufacturing

2170 Resin, synthetic rubber and fibers, and filaments

2180 Agricultural chemicals

2190 Pharmaceuticals and medicines

2270 Paint, coating, and adhesives

2280 Soap, cleaning compound, and cosmetics

2290 Industrial and miscellaneous chemicals

Plastics and Rubber Product Manufacturing

2370 Plastics products

2380 Tires

2390 Rubber products, except tires

Durable Goods

Nonmetallic Mineral Product Manufacturing

2470 Pottery, ceramics, and related products

2480 Structural clay products

2490 Glass and glass products

2570 Cement, concrete, lime, and gypsum products

2590 Miscellaneous nonmetallic mineral products

Metal Industries

2670 Iron and steel mills and steel products

2680 Aluminum production and processing

2690 Nonferrous metal, except aluminum, production and

processing

2770 Foundries

2780 Metal forgings and stampings

2790 Cutlery and hand tools

2870 Structural metals, and tank and shipping containers

2880 Machine shops; turned products; screws, nuts and bolts

2890 Coating, engraving, heat treating and allied activities

2970 Ordnance

2980 Miscellaneous fabricated metal products

2990 Not specified metal industries

Machinery Manufacturing

3070 Agricultural implements

3080 Construction mining and oil field machinery

3090 Commercial and service industry machinery

3170 Metalworking machinery

3180 Engines, turbines, and power transmission equipment

3190 Machinery, n.e.c.

3290 Not specified machinery

Computer and Electronic Product Manufacturing

3360 Computer and peripheral equipment

3370 Communications, audio, and video equipment

3380 Navigational, measuring, electomedical,

and control instruments

3390 Electronic components and products, n.e.c.

Electrical Equipment, Appliances, and Component

Manufacturing

3470 Household appliances

3490 Electrical machinery, equipment, and supplies, n.e..c.

Transportation Equipment Manufacturing

3570 Motor vehicles and motor vehicle equipment

3580 Aircraft and parts

3590 Aerospace products and parts

3670 Railroad rolling stock

3680 Ship and boat building

3690 Other transportation equipment

Wood Products, including Furniture, Manufacturing

3770 Sawmills and wood preservation

3780 Veneer, plywood, and engineered wood products

3790 Prefabricated wood buildings and mobile homes

3870 Miscellaneous wood products

3890 Furniture and fixtures

Miscellaneous Manufacturing

3960 Medical equipment and supplies

3970 Toys, amusement, and sporting goods

3980 Miscellaneous manufacturing, n.e.c.

3990 Not specified industries

Wholesale Trade

Durable Goods, Wholesalers

4070 Motor vehicles, parts and supplies

4080 Furniture and home furnishing

4090 Lumber and other construction materials

4170 Professional and commercial equipment and supplies

4180 Metals and minerals, except petroleum

4190 Electrical goods

4260 Hardware, plumbing and heating equipment,and supplies

4270 Machinery, equipment, and supplies

4280 Recyclable materials

4290 Miscellaneous durable goods

Nondurable Goods, Wholesalers

4370 Paper and paper products

4380 Drugs, sundries, and chemical and allied products

4390 Apparel, fabrics, and notions

4470 Groceries and related products

4480 Farm product raw materials

4490 Petroleum and petroleum products

4560 Alcoholic beverages

4570 Farm supplies

4580 Miscellaneous nondurable goods

4585 Wholesale electronic markets, agents, and brokers

4590 Not specified trade

Retail Trade

4670 Automobile dealers

4680 Other motor vehicle dealers

4690 Auto parts, accessories, and tire stores

4770 Furniture and home furnishings stores

4780 Household appliance stores

4790 Radio, TV, and computer stores

4870 Building material and supplies dealers

4880 Hardware stores

4890 Lawn and garden equipment and supplies stores

4970 Grocery stores

4980 Specialty food stores

4990 Beer, wine, and liquor stores

5070 Pharmacies and drug stores

5080 Health and personal care, except drug, stores

5090 Gasoline stations

5170 Clothing and accessories, except shoe, stores

5180 Shoe stores

5190 Jewelry, luggage, and leather goods stores

5270 Sporting goods, camera, and hobby and toy stores

5280 Sewing, needlework and piece goods stores

5290 Music stores

5370 Book stores and news dealers

5380 Department stores and Discount stores

5390 Miscellaneous general merchandise stores

5470 Retail florists

5480 Office supplies and stationary stores

5490 Used merchandise stores

5570 Gift, novelty, and souvenir shops

5580 Miscellaneous stores

5590 Electronic shopping

5591 Electronic auctions

5592 Mail order houses

5670 Vending machine operators

5680 Fuel dealers

5690 Other direct selling establishments

5790 Not specified trade

Transportation and Warehousing

6070 Air transportation

6080 Rail transportation

6090 Water transportation

6170 Truck transportation

6180 Bus service and urban transit

6190 Taxi and limousine service

6270 Pipeline transportation

6280 Scenic and sightseeing transportation

6290 Services incidental to transportation

6370 Postal Service

6380 Couriers and messengers

6390 Warehousing and storage

Information and Communications

Publishing Industries

6470 Newspaper publishers

6480 Publishing, except newspapers and software

6490 Software publishing

6570 Motion pictures and video industries

6590 Sound recording industries

Broadcasting and Telecommunications

6670 Radio and television broadcasting and cable

6675 Internet and publishing and broadcasting

6680 Wired telecommunications carriers

6690 Other telecommunication services

6692 Internet service providers

6695 Data processing, hosting, and related services

Information Services and Data Processing Services

6770 Libraries and archives

6780 Other information services

Finance, Insurance, Real Estate, and Rental and Leasing

Finance and Insurance

6870 Banking and related activities

6880 Savings institutions, including credit unions

6890 Non-depository credit and related activities

6970 Securities, commodities, funds, trusts, and

other financial investments

6990 Insurance carriers and related activities

Real Estate and Rental and Leasing

7070 Real estate

7080 Automotive equipment rental and leasing

7170 Video tape and disk rental

7180 Other consumer goods rental

7190 Commercial, industrial, and other

intangible assets rental and leasing

Professional, Scientific, Management,

Administrative, and Waste Management Services

Professional, Scientific, and Technical Services

7270 Legal services

7280 Accounting, tax preparation, bookkeeping

and payroll services

7290 Architectural, engineering, and related services

7370 Specialized design services

7380 Computer systems design and related services

7390 Management, scientific and technical consulting services

7460 Scientific research and development services

7470 Advertising and related services

7480 Veterinary services

7490 Other professional, scientific and technical services

Management, Administrative and Support, and Waste

Management Services

7570 Management of companies and enterprises

7580 Employment services

7590 Business support services

7670 Travel arrangements and reservation services

7680 Investigation and security services

7690 Services to buildings and dwellings

(except cleaning during construction and

immediately after construction)

7770 Landscaping services

7780 Other administrative, and other support services

7790 Waste management and remediation services

Educational, Health and Social Services

Educational Services

7860 Elementary and secondary school

7870 Colleges, including junior colleges, and universities

7880 Business, technical, and trade schools and training

7890 other schools, instruction and educational services

Health Care

7970 Offices of physicians

7980 Offices of dentists

7990 Office of chiropractors

8070 Offices of optometrists

8080 Offices of other health practitioners

8090 Outpatient care centers

8170 Home health care services

8180 Other health care services

8190 Hospitals

8270 Nursing care facilities

8290 Residential care facilities, without nursing

Social Assistance

8370 Individual and family services

8380 Community food and housing, and emergencys ervices

8390 Vocational rehabilitation services

8470 Child day care services

Arts, Entertainment, Recreation, Accommodations,

and Food Services

Arts, Entertainment, and Recreation

8560 Independent artists, performing arts,

spectator sports and related industries

8570 Museums, art galleries, historical sites,

and similar institutions

8580 Bowling centers

5890 Other amusement, gambling, and recreation industries

Accommodations and Food Services

8660 Traveler accommodation

8670 Recreational vehicle parks and camps, and rooming

and boarding houses

8680 Restaurants and other food services

8690 Drinking places, alcohol beverages

Other Services (Except Public Administration)

Repair and Maintenance

8770 Automotive repair and maintenance

8780 Car washes

8790 Electronic and precision equipment repair and maintenance

8870 Commercial and industrial machinery and equipment

repair and maintenance

8880 Personal and household goods repair and maintenance

8890 Footwear and leather goods repair

Personal and Laundry Services

8970 Barber shops

8980 Beauty salons

8990 Nail salons and other personal care services

9070 Dry cleaning and laundry services

9080 Funeral homes, cemeteries and crematories

9090 Other personal services

Religious, Grantmaking, Civic, Business, and

Similar Organizations

9160 Religious organizations

9170 Civic, social, advocacy organizations

and grantmaking and giving services

9180 Labor unions

9190 Business, professional, political and similar

organizations

Private Households

9290 Private households

Public Administration

9370 Executive offices and legislative bodies

9380 Public finance activities

9390 Other general government and support

9470 Justice, public order, and safety activities

9480 Administration of human resource programs

9490 Administration of environmental quality

and housing programs

9570 Administration of economic programs and space research

9590 National security and international affairs

Armed Forces (for CPS only)

9890 Armed Forces

CPS Special Codes

9970 Problem Referral

9990 Uncodable (includes Refused, Retired,

reported Classified, or Not in Labor Force)

Active Duty Military (for Census and ACS)

9670 U.S. Army

9680 U.S. Air Force

9690 U.S. Navy

9770 U.S. Marines

9780 U.S. Coast Guard

9790 U.S. Armed Forces, Branch Not Specified

9870 Military Reserves or National Guard

ACS Special Codes

9950 Not in Labor Force

9960 Retired

9970 Problem Referral

9990 Uncodable (includes Refused or reported Classified)

0. Inap. (not doing any work for pay: X4105=5/X4705=5;/

no spouse)