Form FR 3051 FR 3051 Annual Microeconomic Survey

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SCREENER
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AP SAMPLE ELIGIBILITY: ORDER OF PREFERENCE
1. The household of a 2007 respondent or spouse or partner of that
person still living at the address associated with the 2007
interview.
2. The household of the 2007 respondent living at a different address
in 2009.
3. The household of the spouse of partner of the 2007 respondent
living at a different address in 2009.

LS ELIGIBILITY: ORDER OF PREFERENCE
1. For a case with one name in the original contact information or an
observation with two names that did not spawn a new case, the
household of the 2007 respondent.
2. For a case with one name in the original contact information or an
observation with two names that did not spawn a new case, the
household of the spouse or partner of the 2007 respondent.
3. For a household that did spawn a new case, the first name in the
original contact information.
4. For a household that did spawn a new case, the second name in the
original contact information.

SPECIFICIALLY INELIGIBLE:
1. 2007 R was not living with spouse/partner and R is deceased
or permanently out of the country in 2009.
2. 2007 R was living with spouse/partner and R and S/P both either
deceased or permanently out of the country 2009.

PREFERRED ORDER OF PREFERENCE FOR 2009 R:
1. The 2007 SCF respondent (PREFERRED)
2. The spouse or partner of the 2007 SCF respondent at the time of
the 2007 SCF interview
3. New spouse/partner of the original R

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HHL: HOUSEHOLD LISTING
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****Q1400
X7504 INTERVIEWER: CHOOSE LANGUAGE TO CONDUCT INTERVIEW IN.

1. ENGLISH
2. SPANISH

****Q1511
X7578 INTERVIEWER: ARE YOU CONDUCTING THIS INTERVIEW IN PERSON OR OVER THE
PHONE?

1. IN PERSON
5. ON THE PHONE

****Q1526
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.

QHHL1 INTERVIEWER CHECKPOINT: WHO IS THE RESPONDENT?
(CARRY INFORMATION OVER FROM THE SCREENER)
1. SAME AS 2007 R
2. 2007 SPOUSE OF 2007 R
3. 2007 PARTNER OF 2007 R
4. NEW (OR PREVIOUSLY ABSENT) SPOUSE OF 2007 R
5. NEW (OR PREVIOUSLY ABSENT) PARTNER OF 2007 R
DK/REF: NOT ALLOWED ON THIS QUESTION

IF A PROXY IS USED, CHOOSE THE CODE CORRESPONDING TO THE
PERSON THE PROXY REPRESENTS.

Q7
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)
X214(#10) 4. CHILD
X220(#11) 5. GRANDCHILD
X226(#12) 6. PARENT
7. GRANDPARENT
8. AUNT/UNCLE
9. COUSIN
10. NIECE/NEPHEW
11. SISTER/BROTHER
12. GREAT GRANDCHILD
29. OTHER RELATIVE
31. ROOMATE
32. FRIEND
34. BOARDER OR ROOMER/LODGER
35. PAID HELP; maid, etc.
36. FOSTER CHILD
39. OTHER UNRELATED PERSON

NOTE: position #2 contains only spouse/partner information;
in all other cases the #2 position contains all zeroes.

Q8
X8021(#1) CODE SEX WITHOUT ASKING. IF NECESSARY, SAY:
X103(#2) I am required to ask your sex.
X109(#3)
X115(#4) What is your (spouse's/partner's/that person's) sex?
X121(#5)
****X127(#6)1. MALE
****X133(#7)2. FEMALE
X203(#8) 0. Inap. (No further persons)
X209(#9)
X215(#10)
X221(#11)
X227(#12)

What is your date of birth?
Q10
X5907(#1) Code month
Q11
X7003(#1) Code day of month
Q12
X5908(#1) Code year (4 digits)

Q15
X7005(#1) So, you are (COMPUTED AGE) years old?
(ASKED ONLY OF DESIGNATED RESPONDENT)

1. YES
3. NO, FIX BIRTHDATE
Q16
X8022(#1)
X104(#2) How old (are you/is [your spouse/partner/he/she/that person])?
X110(#3) CODE LESS THAN ONE YEAR AS 0.
X116(#4)
X122(#5)
X128(#6)
X134(#7)
X204(#8) Code AGE
X210(#9) -1. LESS THAN ONE YEAR
X216(#10) 0. Inap. (No further persons)
X222(#11)
X228(#12)
*********************************************************
CRITICAL VARIABLE: If the age of the R is answered "don't
know" or "refuse," the following text appears in CAPI:

ATTENTION:
Age is a critical detail in family finances. Without this
information, it would be wasting your time to go on with
the interview.

I will terminate the interview at this point and I would
like to thank you for your time.

TERMINATE INTERVIEW
GO BACK AND CHANGE DOB/AGE
*********************************************************

Q19
X7006(#3) Is (he/she/that person) 18 or older?
X7007(#4)
X7008(#5) 1. YES
X7009(#6) 5. NO
X7010(#7)
X7011(#8)
X7012(#9)
X7013(#10)
X7014(#11)
X7035(#12)

Q20
X8023(#1) (Are you/Is your [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 are given by X7372 and X7018 respectively.)
X211(#9)
X217(#10) 1. MARRIED
X223(#11) 2. LIVING WITH PARTNER
X229(#12) 3. SEPARATED
4. DIVORCED
5. WIDOWED
6. NEVER MARRIED

Q22
X7000(#1) Does your (spouse/partner) live with you now?

1. YES
5. NO

Q1625
X7021(#1) Does your (spouse/partner) usually live with you?

1. YES
5. NO

Q23
X7002(#1) Do you live with a partner?

1. YES
5. NO

Q21
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)
X136(#7)
X206(#8)
X212(#9)
X218(#10)
X224(#11)
X230(#12)

Q25
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 your (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)
X231(#12)
TREAT LIVE-IN SERVANTS AS FINANCIALLY INDEPENDENT.

(THIS QUESTION IS KEY IN DEFINING THE PRIMARY
ECONOMIC UNIT--SEE INTRODUCTION. A SPOUSE/PARTNER
WHO LIVES THERE AT THE TIME OF THE INTERVIEW OR WHO
USUALLY LIVES THERE IS ASSUMED TO BE FINANCIALL
INTERRELATED WITH THE R. SIMILARLY, CHILDREN UNDER
THE AGE OF 18 ARE ALSO ASSUMED TO BE FIANCIALLY
DEPENDENT ON THE R, EVEN THOUGH IT IS POSSIBLE THAT
SOME CHILDRENT OF PEOPLE OUTSIDE THE PEU MAY BE
INCLUDED BY THIS RULE.)

1. FINANCIALLY DEPENDENT; SHARED FINANCES (TRIVIALLY FOR R)
5. FINANCIALLY INDEPENDENT; NOT SHARED FINANCES
0. Inap. (No further persons)
*********************************************************
EDIT CHECK:
If paid help is financially dependent:
IF (X108/.../X226=35 & X107/.../X225) = 1

CAPI text displayed:
ATTENTION:
PAID HELP IS USUALLY FINANCIALLY INDEPENDENT. YOU HAVE
SELECTED FINANCIALLY DEPENDENT. PLEASE CONFIRM.

COMMENT LATER
COMMENT NOW
*********************************************************

AT THE END OF ITERATION 2 (SPOUSE/PARTNER): IF S/P IS PART OF THE
PEU, AND QHHL1 NOT 4 OR 5, ASK:
QHHL2
X7370a. Were you and your (spouse married/partner
living together) as long ago as [2007 INTERVIEW MONTH+YEAR]?
1. YES
5. NO
DK/REF: CRITICAL VARIABLE: TERMINATE INTERVIEW
ELSE IF QHHL1 = 4 OR 5, FILL QHHL2 WITH "NO"

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...

define
1. MARSTAT
2. PEUNUM
3. NPEUNUM

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SECTION A: EXPECTATIONS AND INFORMATION
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Q32
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

QA1
X301a Over the next year, do you expect the economy to perform
better, worse, or about the same as now?

1. Better
2. Worse
3. About the same

Q34
X7100 IN PERSON VERSION:
(SHOW CARD 1)
When making major decisions about borrowing money or
obtaining credit, some people shop around for the very best
terms while others don't.

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

TELEPHONE VERSION:
When making major decisions about borrowing money or
obtaining credit, some people shop around for the very best
terms while others don't.

On a scale from one to five, where one is almost no
shopping, three is moderate shopping, and five is a great
deal of shopping, where would (you/your family) be on the scale?

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

1. ALMOST NO SHOPPING
2.
3. MODERATE SHOPPING
4.
5. A GREAT DEAL OF SHOPPING

NOTE: CARD 1 contains the following information:
The numbers 1 through 5 in a horizontal row bounded by dark
lines. Below 1 is printed "Almost no shopping"; below 3
is printed "Moderate shopping"; and below 5 is printed "A
great deal of shopping." Nothing is printed below 2 and 4.

Q36M1-M14
X7101 IN PERSON VERSION:
(SHOW CARD 2)
Please look at this list.
What sources of information do you (and your
family) use to make decisions about borrowing or
credit? (Do you call around, read newspapers,
magazines, material you get in the mail, use information
from television, radio, the internet or
advertisements? Do you get advice from a friend, relative,
lawyer, accountant, banker, broker, or financial planner?
Or do you do something else?)

TELEPHONE VERSION:
I am going to read you a list.
Please tell me which sources of information you (and your family) use
to make decisions about borrowing or credit.
Do you call around, read newspapers,
magazines, material you get in the mail, use information
from television, radio, the internet or
advertisements? Do you get advice from a friend, relative,
lawyer, accountant, banker, broker, or financial planner?
Or do you do something else?

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

1. CALL AROUND
2. MAGAZINES/NEWSPAPERS
3. MATERIAL IN THE MAIL
4. TELEVISION/RADIO
5. INTERNET/ONLINE SERVICE
6. ADVERTISEMENTS
7. FRIEND/RELATIVE
8. LAWYER
9. ACCOUNTANT
10. BANKER
11. BROKER
12. FINANCIAL PLANNER
13. SELF (NOT SHOWN ON CARD)
14. NEVER BORROW
-7. OTHER (SPECIFY)

Q38
X7111 IN PERSON VERSION:
(SHOW CARD 1)
When making saving and investment decisions, some
people shop around for the very best terms while others don't.

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

TELEPHONE VERSION:
When making major saving and investment decisions, some
people shop around for the very best terms while others don't.

On a scale from one to five, where one is almost no
shopping, three is moderate shopping, and five is a great
deal of shopping, where would (you/your family) be on the scale?

1. ALMOST NO SHOPPING
2.
3. MODERATE SHOPPING
4.
5. A GREAT DEAL OF SHOPPING

NOTE: See X7100 for a description of CARD 1.

Q39M1-M14
X7112 IN PERSON VERSION:
(SHOW CARD 2)
Please look at this list.
What sources of information do you (and your family) use to
make decisions about saving and investments? (Do you call
around, read newspapers, magazines, material you get in the
mail, use information from television, radio, the Internet
or advertisements? Do you get advice from a friend,
relative, lawyer, accountant, banker, broker, or
financial planner? Or do you do something else?)

TELEPHONE VERSION:
I am going to read you a list.
Please tell me which sources of information do you (and your
family) use to make decisions about saving and
investments? Do you call around, read newspapers,
magazines, material you get in the mail, use information
from television, radio, the Internet or advertisements?
Do you get advice from a friend, relative, lawyer, accountant,
banker, broker, or financial planner? Or do you do something else?

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

1. CALL AROUND
2. MAGAZINES/NEWSPAPERS
3. MATERIAL IN THE MAIL
4. TELEVISION/RADIO
5. INTERNET/ONLINE SERVICE
6. ADVERTISEMENTS
7. FRIEND/RELATIVE
8. LAWYER
9. ACCOUNTANT
10. BANKER
11. BROKER
12. FINANCIAL PLANNER
13. SELF (NOT SHOWN ON CARD)
14. DO NOT SAVE/INVEST
-7. OTHER (SPECIFY)

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SECTION B: CREDIT ATTITUDES AND CREDIT CARDS
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Q60
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?

BY "INSTALLMENT PLAN" WE MEAN BUYING USING CREDIT OF SOME SORT.

IF R SAYS THEY DO NOT NEED TO BORROW FOR ANYTHING, SAY:
What do you think in general?

1. Good idea
3. GOOD IN SOME WAYS, BAD IN OTHERS
5. Bad idea

QB1
X7131 [Have you and your (husband/wife/partner) applied for any
type of credit or loan in the last two years?/
Have you applied for any type of credit or loan in the last
two years?]

INCLUDE PRE-APPROVED CREDIT THAT R ACCEPTED.

1. YES
5. NO --> SKIP TO X409 (QB3)

QB2
X407 [In the past two years, has a particular lender or creditor
turned down any request you or your
(husband/wife/partner) made for credit, or not given you
as much credit as you applied for?/
In the past two years, has a particular lender or creditor
turned down any request you made for credit, or not given
you as much credit as you applied for?]

IF YES, PROBE: Turned down, or not as much credit?
IF TURNED DOWN AND NOT AS MUCH CREDIT, ASK WHICH IS MORE RECENT.

1. Yes, turned down
3. Yes, not as much credit
5. No --> SKIP TO X409 (QB3)

Q65
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

Q66
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?)]

______________________________________________________

Q67
X7584 What type of credit did you apply for?

1. Mortgage
2. Car loan; other vehicle loan
3. Other installment loan
4. Credit Card
19. Line of credit
-7. Other

QB3
X409 [Was there any time in the past two years that you or your
(husband/wife/partner) thought of applying for credit at a
particular place, but changed your mind because you thought
you might be turned down?/
Was there any time in the past two years that you thought
of applying for credit at a particular place, but changed
your mind because you thought you might be turned down?

1. YES
5. NO --> SKIP TO X410 (Q76)

Q70
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?]

__________________________________________________

Q76
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 --> SKIP TO X7577 (Q91)

QB4
X411(#1) How many different credit card and charge card accounts do
you (or anyone in your family living here) have?
Please do not count duplicate cards for the same account or
any business or company accounts.

INCLUDE ALL THE FAMILY'S CARDS, NOT JUST THE CARDS USED
MOST OFTEN.
DO NOT INCLUDE GIFT CARDS.

Code number

QB5
X412(#1) (On your last bills, how much were the new charges
made to these accounts?/
On your last bill, how much were the new charges
made to this account?)

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

Code amount
-1. None

QB6
X413(#1) (After the last payments were made, what was the
total balance still owed on all these accounts?/
After the last payment was made, what was the
balance still owed on this account?)

WE WANT THE TOTAL AMOUNT OWED, NOT THE MINIMUM PAYMENT.
CODE ZERO IF ALL ACCOUNTS WERE PAID IN FULL.

Code amount
-1. None

QB7
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?)

WE WANT THE TOTAL CREDIT LIMIT, NOT JUST THE AMOUNT OF
REMAINING CREDIT AVAILABLE.

Code amount
-1. No limit

Q90
X432 (Do/Thinking about all your cards, do)
you almost always, sometimes, or hardly ever pay off the
total balance owed on the account(s) each month?

1. Always or almost always
3. Sometimes
5. Hardly ever
7. NO SUCH CARDS

Q91
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 --> SKIP TO QQ1 (QD1)

Q93
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

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PRINCIPAL RESIDENCE
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PROGRAMMER INSTRUCTION: PRE-FILL DATA FROM 2007 SCF
FARMERS FOR WHOM Q107=(OWNS ALL,RENTS/LEASES ALL,NEITHER OWNS NOR RENTS)
MOBILE HOME RESIDENTS FOR WHOM Q134=(OWN BOTH HOME AND SITE, RENT
BOTH, NEITHER OWN NOR RENT)
OTHER FAMILIES FOR WHOM Q184=(OWNS OR IS BUYING/LANDCONTRACT, PAYS
RENT, CONDO, CO-OP, TOWNHOUSE ASSOCIATION, NEITHER OWNS NOR RENTS)

QD1
QQ1. When we last interviewed your household, your residence was

[a (farm/ranch/mobile home/condominium/coop/townhouse/house/home)
(that you bought in YEAR)./

a rental property (you moved into in YEAR)./

a home you neither owned nor rented (that you moved into in YEAR).]

Do you still (own/rent) that residence?

****need to add something like the following when YEAR is missing:
Do you still (own/rent) the property that was your primary residence
in interview month+interview year?

1. YES
5. NO --> SKIP TO QQ4/QD6

QD2
CHECKPOINT: OWN/RENT
OWN
RENT/OTHER --> SKIP TO QQ3/QD5

QD3
QQ1a OWNERS: What is the current value of that property? I mean,
without taking any outstanding loans into account, about what
would it bring if it were sold now?
IF Q206(in 2007)=YES (OWN ENTIRE BUILDING AND OWN UNIT SEPARATELY) SAY:
Please tell me the value of just your unit.
INTERVIEWER: IF R AND FAMILY THERE OWN ONLY PART OF THE
PROPERTY, THE AMOUNT SHOULD REFER TO THE PART THEY OWN; FOR
FARMS/RANCHES, INCLUDE ALL OWNED LAND AND STRUCTURES.

CODE AMOUNT

QD4
QQ2. Is that property the same as your current main residence?

1. YES
5. NO
SKIP TO fees [X7572/Q187]

QD5
QQ3. RENTERS: How much rent do you (and your family living here) pay?

CODE AMOUNT

QD5a (And that amount is per...?)

Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
11. Twice per year
31. Twice a month
-7. Other (SPECIFY)

SKIP TO X7136/Q773 (likelihood of staying at address--after X1044/Q295)

QD6
QQ4. Did you move to a different city?
TREAT CITIES IN THE SAME METROPOLITAN AREA OR LOCATIONS IN THE
SAME COUNTY AS THE SAME CITY.
**** 1. YES
**** 5. NO

**** QD7M1-M9
QQ5. Why did you move? (CODE ALL THAT APPLY)
1. Home foreclosed
2. Rent/costs too high
3. Needed more/different space
4. Retired
5. Changed jobs
6. Shorten commute
7. Health reasons
8. To be near other relatives
-7. OTHER (SPECIFY)

QD8
QQ5a. IF OWNER IN 2007, AND QQ5 NOT FORECLOSED, ASK: What was the
selling price for your home?

CODE AMOUNT --> SKIP TO Q95
DID NOT SELL THE HOME --> SKIP TO Q95

QD9
QQ5b. IF QD7=HOME FORECLOSED, ASK: What year was that?

CODE YEAR

QD10
QQ5c. IF QD7=HOME FORECLOSED, ASK: Did you attempt to contact the
lender to would out an arrangement to avoid foreclosure?

1. YES
5. NO

Q95
X501 IN PERSON VERSION:
INTERVIEWER OBSERVATION: WHERE DOES R LIVE?

IF INTERVIEW NOT DONE AT R'S HOME, ASK: Do you live on a farm or
ranch, in a mobile home, in a house or apartment, or in some other
type of home?

TELEHPHONE VERSION:
Do you live on a farm or ranch, in a mobile home, in a house or
apartment, or in some other type of home?

WHERE DOES R LIVE?

4. R LIVES ON A RANCH --> GO TO X502/Q97
5. R LIVES ON A FARM --> GO TO X502/Q97
2. R LIVES IN A MOBILE HOME/RV --> SKIP TO X601/Q134
3. R LIVES IN HOUSE/TOWNHOUSE/APARTMENT --> SKIP TO X701/Q184

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

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R LIVES ON A FARM
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Q97
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

Q98
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 --> SKIP TO X701/Q184

Q104
****X507A
What part of this property is used for (farm/ranch)ing?

Q105
X507 Code percent * 100
-1. Very little
9995. Almost all

Q106
X7574 Code number of acres
-1. Very little

Q107
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 another arrangement?/
Do you or your family living here own this (farm/ranch), do
you own part of it, do you rent it, is it all owned by a
business, or another arrangement?]

IF THE PROPERTY IS OWNED THROUGH A TRUST THE PEU SET UP,
TREAT IT AS OWNED BY THEM.
DO NOT CODE "OTHER" IF R OWNS ANY PART.

1. Owns all --> GO TO X513/Q114
2. Owns only part --> SKIP TO X520/Q124
3. Rents/Leases all --> SKIP TO X708/Q196
4. Owned by a business --> SKIP TO X514/Q116
-7. Other (SPECIFY) --> SKIP TO X705/Q193

R OWNS ALL

Q114
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
SKIP TO X719/Q210

OWNED BY A BUSINESS

Q116
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 --> SKIP TO X708/Q196
5. NO

Q117
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

Q118
X516 Code year (4 digits)
SKIP TO X7136/Q773 (likelihood of staying at address--after X1044/Q295)

R OWNS PART

Q124
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 --> SKIP TO X523/Q130

Q125
X521 (How much rent do you pay?/
How much rent do you or your family living here pay?)

Code amount
Q127
X522 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
(And that amount is per...?)

Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
11. Twice per year
31. Twice a month
-7. Other (SPECIFY)

****Q129 (I will ask you more about the business operation later.
****X523A 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?)
Q130
X523 Code percent * 100

Q131
X7573 Code acres

Q132
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.

INCLUDE BOTH ACREAGE OWNED INDIVIDUALLY AND ACREAGE
CO-OWNED WITH OTHERS OUTSIDE THE PEU.

Code amount
SKIP TO X719/Q210

-----------------------------------------------------------------------------
R LIVES IN MOBILE HOME
-----------------------------------------------------------------------------
Q134
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 another arrangement?/
Now I have some questions about your home. Do you or your
family living here own both this mobile home and site or
lot, do you own only the mobile home, do you own only the
site, do you rent both the home and site, or another arrangement?)

IF THE PROPERTY IS OWNED THROUGH A TRUST THE PEU SET UP,
TREAT IT AS OWNED BY THEM.

1. Own both home and site --> GO TO X623/Q166
2. Own only site --> GO TO X602/Q135
3. Own only home --> GO TO X612/Q149
4. Rent both --> GO TO X619/Q160
-7. Neither own nor rent --> GO TO X609/Q146

RENTS HOME, OWNS SITE

Q135
X602 How much rent do you pay on this home?

Code amount
-1. None

Q137
X603 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
(And that amount is per...?)

Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
11. Twice per year
31. Twice a month
-7. Other (SPECIFY)

Q139
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

In what month and year did you purchase the site?

(INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.)
Q142
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

Q143
X606 Code year (4 digits)

Q144
X607 How much did this site cost when you originally acquired it?

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

Code amount
SKIP TO X721/Q214

NEITHER OWNS NOR RENTS MH

Q146
X609 How is that?

______________________________________________

In what month and year did you move into this mobile home?
Q147
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

Q148
X611 Code year (4 digits)
SKIP TO X7136/Q773 (likelihood of staying at address--after X1044/Q295)

OWNS HOME, RENTS SITE

Q149
X612 How much rent do you pay on this site?

Code amount
-1. None

Q151
X613 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
(And that amount is per...?)

Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
11. Twice per year
31. Twice a month
-7. Other

Q153
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

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

(INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.)
Q156
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

Q157
X616 Code year (4 digits)

Q158
X617 How much did this mobile home cost when you originally
acquired it?

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

Code amount
SKIP TO X721/Q214

RENTS HOME AND SITE

Q160
X619 How much rent do you pay on this home and site?

Code amount
-1. None

****Q162
X620 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
(And that amount is per...?)

Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
11. Twice per year
31. Twice a month
-7. Other (SPECIFY)

In what month and year did you move into this mobile home?
Q164
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

Q165
X622 Code year (4 digits)
SKIP TO X7136/Q773 (likelihood of staying at address--after X1044/Q295)

OWNS HOME AND SITE

Q166
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

Q168
X624 Were the site and mobile home purchased separately?

1. YES
5. NO --> SKIP TO X633/Q180

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

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

Q170
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

Q171
X626 Code year (4 digits)

Q172
X627 How much did the mobile home cost when you originally
acquired it?

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

Code amount

In what month and year did you purchase this site?

(INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.)
Q175
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

Q176
X630 Code year (4 digits)

Q177
X631 How much did this site cost when you originally acquired it?

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

Code amount
SKIP TO X721/Q214

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

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

Q180
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

Q181
X634 Code year (4 digits)

Q182
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
SKIP TO X721/Q214

-----------------------------------------------------------------------------
R LIVES IN HU OTHER THAN FARM/RANCH OR MOBILE HOME
-----------------------------------------------------------------------------
Q184
X701 Now I have some questions about your home.

Do you (and your family living here) own this
(farm/ranch/house and lot/apartment), do you pay rent, do
you own it as a part of a condo, co-op, townhouse
association, or something else?

IF THE PROPERTY IS OWNED THROUGH A TRUST THE PEU SET UP,
TREAT IT AS OWNED BY THEM.

1. Owns or is buying/land contract --> GO TO X7572/Q187
2. Pays rent --> GO TO X708/Q196
3. Condo --> GO TO X7572/Q187
4. Co-op --> GO TO X7572/Q187
5. Townhouse Association --> GO TO X7572/Q187
6. Retirement Lifetime Tenancy --> GO TO X7572/Q187
8. OWN ONLY PART --> SKIP TO X7134/Q186
-7. Neither owns nor rents --> SKIP TO X705/Q187
*********************************************************
CRITICAL VARIABLE: If the home ownership is answered
"don't know" or "refuse," the following text appears in
CAPI:

ATTENTION:
Homeownership is a critical detail in family finances.
Without this information, it would be wasting your time to
go on with the interview.

I will terminate the interview at this point and I would
like to thank you for your time.

TERMINATE INTERVIEW
GO BACK AND CHANGE OWNERSHIP
*********************************************************

NEITHER OWNS NOR RENTS

Q193
X705 How is your housing provided?

________________________________________________

Q185
X7133 (Do you/Does anyone in your family living here) own any
part of this (farm/ranch/house and lot/apartment)?

1. YES
5. NO --> SKIP TO X706/Q194

Q186
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 (and your family living
here) own?

Code percent * 100
SKIP TO X7572/Q187

In what month and year did you move into this home?
Q194
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
Q195
X707 Code year (4 digits)
SKIP TO X7136/Q773 (likelihood of staying at address--after X1044/Q295)

RENTS HOME (INCLUDES FARM WITH NO FARM BUSINESS/RENTED FARM)

Q196
X708 How much rent do you (and your family living here) pay for
this (farm/ranch/house/apartment)?

IF RENT IS SUBSIDIZED, PROBE FOR DETAILS AND MAKE NOTE.
IF R SHARES RENT WITH ROOMMATES NOT IN THE PEU, INCLUDE
ONLY R'S (FAMILY'S) SHARE OF THE RENT.
INCLUDE ANY FEES FOR PARKING WITH RENT.

Code amount

Q198
X709 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
(And that amount is per...?)

Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
11. Twice per year
31. Twice a month
-7. Other (SPECIFY)

Q200
X710 Does the rent include some or all utilities?

1. Yes, all
3. Yes, some
5. No

Q201
X711 Do you rent it furnished or unfurnished?

1. Furnished
3. Partially furnished
5. Unfurnished

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

Q202
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

Q203
X713 Code year (4 digits)
SKIP TO X7136/Q773 (likelihood of staying at address--after X1044/Q295)

R OWNS SOME PART (INCLUDES FARM WITH NO FARM BUSINESS)

Q187
X7572 Are you required to pay regular fees to an association or
property management group in order to live here?

1. YES
5. NO --> IF X701=6 SKIP TO X716/Q207
ELSE IF QD2=OWN AND QD4=YES, SKIP TO Q214 (X721)
ELSE SKIP TO X702/Q192

Q188
X703 IF X701/Q184=4 THEN INCLUDE THE FOLLOWING TEXT FILL:
How much are your fees?
Please do not include any property taxes included with your
payment--I will ask about the taxes in a moment.

INTERVIEWER: IF R CANNOT SEPARATE PROPERTY TAXES FROM THE
REMAINDER OF THE CO-OP FEE, MAKE A NOTE.

ELSE ASK:
How much are your fees?
IF QD2=OWN AND QD1=YES, SKIP TO Q214 (X721)

Code amount

Q190
X704 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
(And that amount is per...?)

Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
11. Twice per year
31. Twice a month
-7. Other (SPECIFY)

IF X701/Q184=6 SKIP TO X716/Q207

Q192
X702 INTERVIEWER OBSERVATION: DOES R LIVE IN MULTIPLE HU STRUCTURE?
(CONFIRM WITH R IF NECESSARY.)

1. YES
5. NO --> SKIP TO X716/Q207

Q204
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, CODE
'JUST R'S UNIT' AND INCLUDE ADDITIONAL UNIT LATER AS OTHER REAL
ESTATE.

1. Entire building
2. Just R's unit --> SKIP TO X716/Q207

Q205
X715 How many housing units are in this building?

Code number of units

Q206
X7135 Do you own your unit separately from the rest of the building?

1. YES
5. NO

Q207
X716 IF X714/Q204=2 OR X7135/Q206=1 THEN ASK:
The following questions about your home refer to your unit
only.

What is the current value of this (home and
land/apartment/property)? I mean, without taking any
outstanding loans into account, about what would it
bring if it were sold today?

IF X7135/Q206=5 THEN ASK:
The following questions refer to the entire building.

What is the current value of this (home and
land/apartment/property)? I mean, without taking any
outstanding loans into account, about what would it
bring if it were sold today?

ELSE IF X701/Q184^=6 ASK:

What is the current value of this (home and
land/apartment/property)? I mean, without taking any
outstanding loans into account, about what would it
bring if it were sold today?

INTERVIEWER: PROPERTY REFERS TO WHATEVER PART R OWNS OF
THEIR HOUSE AND LOT, APARTMENT, BUILDING, FARM OR
RANCH. INCLUDE THE PART OF THE PROPERTY THAT R OWNS; FOR
FARMS/RANCHES, INCLUDE ALL OWNED LAND AND STRUCTURES.

ELSE ASK:

How much would you get if you gave up your rights to remain
there?

IF THE ONLY VALUE IS AN AMOUNT TO BE RETURNED TO R'S HEIRS
AT THE TIME OF DEATH, RECORD THAT VALUE.

IF THERE IS NO VALUE UNDER ANY CIRCUMSTANCES, RECORD ZERO
DOLLARS.

Code amount

In what month and year did you first purchase any part of
this property?

(INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.)
IF THE PROPERTY WAS ACQUIRED/INHERITED/BUILT AT DIFFERENT
TIMES, RECORD THE EARLIEST DATE.

Q210
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

Q211
X720 Code year (4 digits)

(ALL OWNERS EXCEPT MH)

Q212
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

(ALL TYPES OF OWNERS)

Q214
X721 What are the real estate taxes on this (home and land/
land/home/farm/ranch/part of the farm you own/part of the
ranch you own/property)?

Code amount

Q216
X722 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
(And that amount is per...?)

Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
11. Twice per year
31. Twice a month
-7. Other (SPECIFY)

Q218
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 --> GO TO X724/Q219
2. Yes, land contract --> GO TO X801/Q225A1
5. No --> GO TO X830/Q272A1

IF X723/Q218=NO OR FIRST ITERATION OF MORTGAGE LOOP COMPLETED, ASK:
Q272A1
X830 Do you have (another mortgage, land contract or/any) loan that
uses this property as collateral?

IF YES, SAY: Please do not include home equity lines of credit.
INTERVIEWER: A HOME EQUITY LINE OF CREDIT IS AN AGREEMENT
WHERE THE R CAN BORROW AT ANY TIME USING THE HOUSE AS
COLLATERAL, UP TO SOME LIMIT. A HOME EUITY LOAN IS A FIXED
LENGTH, FIXED MONTHLY PAYMENT LOAN.

1. Yes, second mortgage --> SKIP TO X901/Q225A2
2. Yes, land contract --> SKIP TO X901/Q225A2
5. No --> SKIP TO X7136/Q773

Q219
X724(#1) Is the first or main mortgage an FHA, VA or other federally
guaranteed mortgage?

FANNIE MAE AND FREDDIE MAC SHOULD NOT BE INCLUDED AS
FEDERALLY GUARANTEED.

1. YES
5. NO

Q221
X726(#1) Is it an FHA mortgage, a VA mortgage, or is it from some
other program?

1. FHA (Federal Housing Administration)
2. VA (Veteran's Administration)
-7. Other (SPECIFY)

Q223
X727(#1) Why did you choose this type of loan?

________________________________________

About this (mortgage/land contract/loan), in what month and
year did you obtain or last modify or refinance it?

DO NOT TREAT CHANGES DUE TO RESETTING OF AN INTEREST RATE
OR OTHER TERMS AS PRESPECIFIED IN THE ORIGINAL LOAN AGREEMENT
AS MODIFICATION OR REFINANCING.

IF R ASSUMED/REFINANCED/MODIFIED THE LOAN, RECORD THE DATE
ASSUMED/REFINANCED/MODIFIED.

Q225A1/Q225A2
X801(#1) Code month
X901(#2) 1. January
2. February
3. March
4. April
5. May
6. June
7. July
8. August
9. September
10. October
11. November
12. December

Q226A1/Q226A2
X802(#1) Code year (4 digits)
X902(#2)

QD11
CHECKPOINT: PROPERTY PURCHASE DATE AND MORTGAGE DATE
1. YEAR OF PURCHASE AND MORTGAGE YEAR SAME --> SKIP TO X804a/QD19
2. ALL OTHER

QD12
X7137(#1) Did you take out this mortgage to: refinance or rollover an
earlier loan, modify an earlier loan, borrow additional
money on your home equity, or something else?

IF R SAYS "REFINANCED AND BORROWED ADDIONTAL MONEY,"
CODE "BORROWED ADDITIONAL MONEY."

1. Refinance or rollover an earlier loan
2. Borrow additional money on your home equity
3. Modified the loan
5. ORIGINALLY PAID CASH AND TOOK OUT LOAN LATER -> SKIP
TO X804a/QD19

QD13
X6723a. What was the most important factor in your decision to (refinance
your loan/to borrow additional money/have your loan modified)?

1. LOWER THE MONTHLY PAYMENT
2. AVOID A SCHEDULED INCREASE IN MONTHLY PAYMENT
6. WANTED TO BORROW MORE AGAINST THE HOME
-7. OTHER (SPECIFY)

QD14
X6723b What sources of information did you use in deciding to
[(refinance your loan/borrow more on this loan/seek a
modification of your loan]?

1. INFORMATION FROM THE LENDER
2. INFORMATION FROM A COMMUNITY OR NONPROFIT GROUP
3. WEBSITES
4. FEDERAL RESERVE
-7. OTHER (SPECIFY)

QD15
X6723c. Did you contact the lender, did the lender contact you, did
you seek help from a homeowner assistance program, or did you do
something else to begin the (modification/negotiation/refinancing)?

1. CONTACTED THE LENDER
2. CONTACTED BY THE LENDER
3. CONTACTED A HOMEOWNER ASSISTANCE PROGRAM
-7. OTHER (SPECIFY

IF X7137/QD12=1 (REFINANCED), SKIP TO X804/Q230A1
ELSE IF X7137/QD12=2 (BORROWED MORE), SKIP TO X7138/QD22
ELSE ASK:

QD16
X6723d Were you behind in your payments at the time (the lender contacted
you/you contacted the [lender/homeowner assistance program])?

1. YES
5. NO

****QD17M1-M6
X6723e. What terms of your loan were modified?
CODE ALL THAT APPLY

1. OUTSTANDING BALANCE REDUCED
2. OVERDUE AMOUNT ADDED TO OUTSTANDING BALANCE
3. INTEREST RATE
4. LENGTH OF THE LOAN
5. PAYMENTS
-7. OTHER (SPECIFY)

QD18
X6723f. What was the name of the modification program?

________________________________

SKIP TO X804/Q230A1

QD19
X804a. IF X802/Q226A1 (MORTGAGE YEAR) 2008 OR EARLIER, ASK: In the past
two years, did you consider refinancing your mortgage or
seeking a modification with the lender?

1. YES
5. NO --> SKIP TO X804/Q230A1

QD20
X804b. Did you apply for one?

1. YES
5. NO --> SKIP TO X804/Q230A1

QD21
X804c. What reason were you given for being turned down?

_________________________________
SKIP TO X804/Q230A1

QD22
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

QD23
X6723(#1) For what purpose was the money used?

_____________________________________________

Q230A1/Q230A2
X804(#1) (What was the amount of the land contract when you took it out?/
X904(#2) Including both the amount refinanced and the additional
borrowing, how much did you borrow?/
How much did you refinance or rollover?/
After the modification, how much did you owe?/
How much did you borrow?)

IF R HAS REVERSE ANNUITY MORTGAGE, THE AMOUNT BORROWED IS
THE TOTAL AMOUNT RECEIVED TO DATE.

Code amount

Q232A1/Q232A2
X805(#1) (How much is still owed on this loan?/What is the amount
X905(#2) still owed on the land contract?)

Code amount

Q234A1/Q234A2
IF X7137=1 OR 2 THEN ASK:
How many years or payments did you agree upon when the
(land contract/loan) was last refinanced?

ELSE IF X7137=3 THEN ASK:
How many years or payments did you agree upon when the
(land contract/loan) was modified?

ELSE IF X7137=DK/REF THEN ASK:
How many years or payments did you agree upon when the
(land contract/loan) was taken out or last refinanced?

ELSE ASK:
How many years or payments did you agree upon when the
(land contract/loan) was taken out?

IF R SAYS MORTGAGE IS A REVERSE ANNUITY MORTGAGE, MAKE A NOTE.
WE WANT THE NUMBER OF YEARS PAYMENTS ARE TO BE MADE ON THE
LOAN, NOT THE AMORTIZATION PERIOD.

Q235A1/Q235A2
X806(#1) NUMBER OF YEARS
X906(#2) Code number of years --> SKIP TO X808/Q237A1 (X908/Q237A2 FOR A2 ITERATION)
-1. NO SET NUMBER OF YEARS --> SKIP TO X813/Q241A1 (X913/Q241A2)

Q236A1/Q236A2
X807(#1) NUMBER OF PAYMENTS
X907(#2) Code number of payments --> SKIP TO X808/Q237A1 (X908/Q237A2)
-1. NO SET NUMBER OF PAYMENTS --> SKIP TO X813/Q241A1 (X913/Q241A2)

Q237A1/Q237A2
X808(#1) How much are the payments?
X908(#2) EXCLUDE TAXES AND INSURANCE, IF POSSIBLE.

Code amount
-1. None --> SKIP TO X813/Q241A1 (X913/Q241A2)
-2. NO REGULAR PAYMENTS --> SKIP TO X813/Q241A1 (X913/Q241A2)

Q239A1/Q239A2
X809(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
X909(#2) (And that amount is per...?)
Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
11. Twice per year
31. Twice a month
-7. Other (SPECIFY)
SKIP TO X810/Q245A1 (X911/Q246A2 FOR A2 ITERATION)

Q241A1/Q241A2
X813(#1) What is the typical payment?
X913(#2) EXCLUDE TAXES AND INSURANCE, IF POSSIBLE.

Code amount
-1. None --> SKIP TO X815/Q250A1 (X915/Q250A2)
-2. NO TYPICAL PAYMENTS --> SKIP TO X815/Q250A1 (X915/Q250A2)

****Q243A1/Q243A2
X814(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
X914(#2) (And that amount is per...?)
Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
8. Lump sum/one payment only
11. Twice per year
31. Twice a month
-1. NO PAYMENT
-2. NO TYPICAL PAYMENTS
-7. Other (SPECIFY)

Q245A1
X810(#1) Does this amount include real estate taxes or homeowners'
insurance? (Which?)

1. Taxes only
2. Insurance only
3. Both
4. Neither

Q246A1/Q246A2
X811(#1) Will the (regular) payments repay the loan completely, or
X911(#2) will there be a balance payable, or "balloon" payment, when
the loan is due?

IF R IS REQUIRED TO REFINANCE THE LOAN AFTER A FIXED
PERIOD, CHOOSE "BALANCE PAYABLE OR BALLOON" AND MAKE
A NOTE.

1. Repay completely --> IF X806/Q235A1 (X906/Q235A2 ON A2
ITERATION)="NO SET NUMBER": SKIP TO
X815/Q250A1 (X915/Q250A2)
ELSE SKIP TO X7571/Q249A1 (X7570/Q249A2)
2. Balance payable or Balloon

Q247A1/Q247A2
X812(#1) What will the balance due or balloon payment be?
X912(#2)
Code amount

Q249A1/Q249A2
X7571(#1) Are you paying off this (land contract/loan) ahead of
X7570(#2) schedule, behind schedule, or are the payments about
on schedule?

1. ON SCHEDULE --> SKIP TO X816/Q251A1 (X916/Q251A2)
2. AHEAD OF SCHEDULE
3. BEHIND SCHEDULE

Q250A1/Q250A2
X815(#1) When do you expect this (land contract/loan) to be repaid?
X915(#2)
Code year (4 digits)
-1. Reverse annuity loan
-2. Does not expect to repay loan; expecting foreclosure

Q251A1/Q251A2
X816(#1) What is the current annual rate of interest being charged
X916(#2) on the loan?
What is the current annual rate of interest on the land
contract?

Code percent * 100
-1. No interest

Q260A1/Q260A2
X820(#1) Is this an adjustable rate (land contract/mortgage/loan); that
X920(#2) is, does it have an interest rate that can rise or fall at
any time over the life of the loan?

INCLUDE LOANS WHERE THE RATE CAN CHANGE ONLY ONCE, EVEN IF
THE CHANGE HAS ALREADY OCCURRED.
DO NOT INCLUDE RATE CHANGES DUE ONLY TO REFINANCING.

1. YES
5. NO --> SKIP (BACK) TO X830/Q272A1 (start of iteration #2)

Q261A1
X821(#1) Does the change in your interest rate depend on some other
interest rate?

1. YES
5. NO

Q262A1
X7053(#1) Has the interest rate on your current (land contract/mortgage/loan)
changed since you took it out?

DO NOT INCLUDE RATE CHANGES DUE ONLY TO REFINANCING.

1. YES
5. NO --> SKIP TO X7055/Q5879A1

Q269A1
X7054(#1) What was the interest rate on this (land contract/mortgage/loan)
when you took it out?

IF R HAS REFINANCED, WE WANT TO KNOW THE INITIAL RATE ON
THE CURRENT LOAN, NOT THE RATE ON THE ORIGINAL LOAN.

Code percent * 100
-1. No interest
SKIP TO X7056/Q263A1

Q5879A1
X7055(#1) In what year can the rate first change or could it have changed
already?

PRESS [F6] KEY IF RATE COULD HAVE CHANGED ALREADY BUT R DOES NOT
REMEMBER THE YEAR IT COULD HAVE CHANGED.

Code year (4 digits)
-2. Could have changed already, but has not yet

Q263A1
X7056(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.

After the first change, how often can your interest rate change?

How often can your interest rate change?

IF RATE CANNOT CHANGE AGAIN, CODE ZERO PLUS "IN TOTAL".
CODE FREQUENCY WITHOUT ASKING IF ALREADY MENTIONED.

NUMBER OF TIMES

Code number of times
-1. 0 times (cannot change again)

****Q264A1
X7057(#1) Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
8. In total
13. Every three years
15. Continuously floating rate/whenever rate changes <ENTER 1 >
16. Every 7 years
31. Twice a month
-7. Other (SPECIFY)

Q268A1
X7058(#1) What is the most the rate can rise at any one time?

WE WANT THE MOST THE RATE CAN RISE IN PERCENTAGE POINTS.
A BASIS POINT IS 1/100TH OF A PERCENTAGE POINT, SO ONE
BASIS POINT IS 0.01%.
IF R SAYS "POINTS," CLARIFY: Basis points or percentage points?

Code percent * 100
-2. No limit --> SKIP TO X825/Q267A1

Q270A1
X7059(#1) What was the highest level the rate could have gone up to?

WE WANT THE HIGHEST LEVEL THE RATE COULD HAVE REACHED,
NOT THE MAXIMUM ADDITIONAL AMOUNT THE RATE COULD RISE.

What is the highest level the rate can go up to over the
life of the loan?

WE WANT THE HIGHEST LEVEL THE RATE CAN REACH, NOT THE
MAXIMUM ADDITIONAL AMOUNT THE RATE COULD RISE.

Code percent * 100
-2. No limit

Q267A1
X825(#1) When the interest rate on your (land contract/mortgage/loan)
(changes, does/changed, did) the size of your monthly
payments also change?

1. YES
5. NO

Q271A1
X7060(#1) Is this a convertible (land contract/mortgage/loan); that is, do
you have an option to convert it to a (land contract/mortgage/loan)
with a fixed interest rate without having to refinance it?

1. YES
5. NO

Q5877A1
X7061(#1) Are any of the other terms on your loan scheduled to change
over the remaining life of the loan?

DO NOT INCLUDE THE POSSIBILITY OF CHANGES DUE TO FUTURE REFINANCING.
DO NOT INCLUDE FUTURE ELIMINATION OF PAYMENTS FOR PMI (PRIVATE
MORTGAGE INSURANCE) AS A PART OF R'S REGULAR MORTGAGE PAYMENTS.
DO NOT INCLUDE CHANGES DUE TO CHANGES IN PROPERTY TAXES OR
OTHER PAYMENTS.

1. YES
5. NO --> SKIP (BACK) TO X830/Q272A1 (start of iteration #2)

Q5878A1
X7062(#1) What terms will change and how will they change?

________________________________________________
SKIP (BACK) TO X830/Q272A1 (start of iteration #2)

-----------------------------------------------------------------------------
OTHER LOAN USED TO PURCHASE PROPERTY
-----------------------------------------------------------------------------
Q274
X1032 Do you (and your family living here) owe money on any (other)
loans used for the purchase of this property, such as loans
from relatives or the seller?

IF YES, SAY: Please do not include home equity lines of credit.

1. YES
5. NO --> SKIP TO X1101a/QD24

Q284
X1039 How much are the payments?

Code amount
-1. Nothing
-2. No regular payment

Q286
X7567 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
(And that amount is per...?)

Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
11. Twice per year
31. Twice a month
-7. Other (SPECIFY)

Q295
X1044 How much is still owed on this loan?

Code amount

Q773
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. NO CHANCE OF STAYING (recoded from zero)
10.
20.
30.
40.
50. 50-50 CHANCE
60.
70.
80.
90.
100. ABSOLUTELY CERTAIN TO STAY

NOTE: CARD 6 contains the following information:
The numbers 0, 10, 20, ..., 100 in a horizontal row bounded
by dark lines. Below 0 is printed "Absolutely no chance";
in the space below 20 and 30 is printed "Possible but not
likely"; below 50 is printed "50-50 chance"; in the space
below 70 and 80 is printed "Likely but not certain"; and
below 100 is printed "Absolutely certain."

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
LINES OF CREDIT
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
QD24
IF OWN ANY PART OF RESIDENCE:
X1101a. Do you (or anyone in your family living here) have a home
equity line of credit? Please include approved lines of credit even
if you are not currently drawing against them.
1. YES
5. NO --> SKIP TO X1101b/QD32

QD25
X1102a. How many home equity lines of credit do you (and your family
living here) have?

Code number

QD26
X1105a. Do you (or your family living here) currently owe money on
(this/these) home equity line(s) of credit?
1. YES
5. NO --> SKIP TO X1104a/QD31

QD27
X1106a. What was the money used for?
IF MULTIPLE USES, SAY: What was the main use?

___________________________________________________

QD28
X1108a. (In total, how/How) much is currently owed?

Code amount

QD29
X1109a. What is the typical payment?

Code amount

QD30
X1110a. Frequency
Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
8. Lump sum/one payment only
11. Twice per year
31. Twice a month
-7. Other (SPECIFY)

QD31
X1104a. (Including what you owe now, what/What) is the total
credit limit on (the/these) home equity line(s) of credit?

Code amount

QD32
ALL HOUSEHOLDS:
X1101b. Do you (or anyone in your family living here) have any (other)
lines of credit, not counting credit cards or business lines of
credit?
(Please include approved lines of credit even if you are not
currently drawing against them.)
1. YES
5. NO --> SKIP TO X1401/Q367

QD33
X1102b. How many such lines of credit do you (and your family
living here) have?

Code number

QD34
X1105b. Do you (or your family living here) currently owe any money on
(this line/these lines)?
1. YES
5. NO --> SKIP TO X1104b/QD39

QD35
X1106b. What was the money used for?
IF MULTIPLE USES, SAY: What was the main use?

__________________________________________________

QD36
X1108b. (In total, how/How) much is currently owed?

Code amount

QD37
X1109b. (In total, what/What) is the typical payment?

Code amount

QD38
X1110b. Frequency
Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
8. Lump sum/one payment only
11. Twice per year
31. Twice a month
-7. Other (SPECIFY)

QD39
X1104b. (Including what you owe now, what/What) what is the total
credit limit on (the line/these lines) of credit?

Code amount

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
OTHER REAL ESTATE
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------

Q367
X1401 Have you (or anyone in your family living here) ever sold
any real estate for which you loaned money to the buyer?
Please include accepting a note, land contract, or mortgage
from the buyer.

1. YES
5. NO --> SKIP TO X2001/QE2

Q368
X1402 Does the buyer still owe (you/your family) money on any of
these notes, land contracts, or mortgages?

1. YES
5. NO --> SKIP TO X2001/QE2

QE1
X1619. In total, how much (are you/is your family) owed on these loans?

Code amount

Now I will ask you about other real estate you (and your family living
here) may own.

QE2
X2001 Do you (or anyone in your family living here) own any
second or vacation homes or any land you use for
recreational purposes?

1. YES
5. NO --> SKIP TO X1700/QE11

QE3
X7555 (Do you/Does your family) own any of these properties
through a business you own?

(IF YES, SAY: I'll ask about those properties later).

1. YES
5. NO

QE4
X1701 How many such properties do you (and your family living
here) have that are not owned through a business?

Code number
-1. None --> SKIP TO X1700/QE11

QE5
X2002 (In total, how/How) much is your (family's) share of this
real estate worth? That is, without taking any outstanding
loans into account, what would it bring if it were sold today?

Code amount

QE6
X2003 What was your (family's) total purchase price for this real
estate?

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

Code amount

QE7
X2005 Are there any mortgages or loans outstanding against this
real estate?

1. YES
5. NO --> SKIP TO X1700/QE11

QE8
X2006 Altogether, about how much is owed on your (family's) share
of these mortgages or loans?

Code amount

QE9
X2007 How much in total are your (family's) payments on these
loans or mortgages?

Code amount
-1. Nothing
-2. No regular payments

QE10
X2008 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
(And that amount is per...?)

Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
8. Lump sum/one payment only
11. Twice per year
31. Twice a month
-7. Other

QE11
A2 iteration
X1700 Do you (or anyone in your family living here) own any other
type of real estate such as a lot, apartment building,
commercial property, or other investment property,
including properties owned in partnership with others.

1. YES
5. NO --> SKIP TO X3101/Q481

QE12
X7555a (Do you/Does your family) own any of these properties
through a business you own?

(IF YES, SAY: I'll ask about those properties later).

1. YES
5. NO --> SKIP TO X2002a/QE14

QE13
X1701a How many such properties do you (and your family living
here) have that are not owned through a business?

Code number
-1. None --> SKIP TO X3101/Q481

QE14
X2002a (In total, how/How) much is your (family's) share of this
real estate worth? That is, without taking any outstanding
loans into account, what would it bring if it were sold today?

Code amount

QE15
X2003a What was your (family's) total purchase price for this real
estate?

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

Code amount

QE16
X2005a Are there any mortgages or loans outstanding against this
real estate?

1. YES
5. NO --> SKIP TO X3101/Q481

QE17
X2006a Altogether, about how much is owed on your (family's) share
of these mortgages or loans?

Code amount

QE18
X2007a How much in total are your (family's) payments on these
loans or mortgages?

Code amount
-1. Nothing
-2. No regular payments

QE19
X2008a INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
(And that amount is per...?)

Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
8. Lump sum/one payment only
11. Twice per year
31. Twice a month
-7. Other (SPECIFY)

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
BUSINESSES
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
Q481
X3101 DOES R OPERATE A FARM/RANCH BUSINESS ON THEIR PROPERTY?
(Coded automatically by CAPI program: X503=1 implies YES,
otherwise NO)

1. YES --> SKIP TO X3105 (Q482)
5. NO

Q484
X3103 Now I would like to ask you about businesses you may own. Do
you (or your family living here) own or share ownership in any
privately-held businesses, including farms, professional
practices, limited partnerships or other business
investments that are not publicly traded?

IF R OWNS STOCKS THROUGH AN INVESTMENT CLUB, REPORT LATER AS
STOCKS OR MUTUAL FUNDS.

1. YES --> SKIP TO X3104 (Q485)
5. NO
DK
REF

QF1
X3103a CHECKPOINT: BUSINESS OWNERSHIP IN 2007 [PRE-LOAD]
1. OWNED AN ACTIVELY MANAGED BUSINESS IN 2007, NONE REPORTED
2. NO ACTIVELY MANAGED BUSINESS REPORTED IN 2007 AND NO
BUSINESS IN 2009 --> SKIP TO X2501 (Q556)
4. DK/REF ACTIVELY MANAGED BUSINESS IN 2007, NONE REPORTED
--> SKIP TO X2501 (Q556)
5. DK/REF ACTIVELY MANAGED BUSINESS IN 2007, DK/REF IN 2009
--> SKIP TO X2501 (Q556)
****QF2M1-M5
X3103b At the time of the last interview, you (and your family
living here) reported owning (a business/businesses) that
(was/were) not publicly traded and that you (or someone in
your family living here) actively managed.
Did you sell the business(es), did (it/they) go out of
business, did (it/they) go public, or something else?

CODE ALL THAT APPLY

2. SOLD --> SKIP TO X2501 (Q556)
3. WENT OUT OF BUSINESS --> SKIP TO X2501 (Q556)
4. WENT PUBLIC --> SKIP TO X2501 (Q556)
5. STILL OWN THE BUSINESS --> SKIP TO X3104 (Q485)
-7. OTHER (SPECIFY) --> SKIP TO X2501 (Q556)

Q485
X3104 Do you (or anyone in your family living here) have an
active management role in any of these businesses?

INTERVIEWER: INCLUDE THE GENERAL PARTNERS IN A LIMITED
PARTNERSHIP, BUT NOT THE LIMITED PARTNERS.

1. YES --> SKIP TO X3105 (Q486)
5. NO
QF3
X3104a CHECKPOINT: BUSINESS OWNERSHIP IN 2007 [PRE-LOAD]
1. OWNED AN ACTIVELY MANAGED BUSINESS IN 2007, STILL OWN
ONE --> SKIP TO X3105 (Q486)
2. OWNED AN ACTIVELY MANAGED BUSINESS IN 2007, NONE REPORTED
3. NO ACTIVELY MANAGED BUSINESS REPORTED IN EITHER YEAR
--> SKIP TO X3402 (Q535)
4. DK/REF ACTIVELY MANAGED BUSINESS IN 2007, NONE REPORTED
--> SKIP TO X2501 (Q556)
5. DK/REF ACTIVELY MANAGED BUSINESS IN 2007, DK/REF IN 2009
--> SKIP TO X2501 (Q556)
QF4
X3104b At the time of the last interview, you (and your family
living here) reported owning (a business/businesses) that
(was/were) not publicly traded and that you (or someone in
your family living here) actively managed.
Do you still own the business(es) but no longer manage
(it/them), did you sell (it/them), did (it/they) go out of
business, did (it/they) go public, or something else?

1. STILL OWN, BUT NO LONGER MANAGE --> SKIP TO X3402 (Q535)
2. SOLD --> SKIP TO X3402 (Q535)
3. WENT OUT OF BUSINESS --> SKIP TO X3402 (Q535)
4. WENT PUBLIC --> SKIP TO X3402 (Q535)
6. STILL OWN AND ACTIVELY MANAGE --> SKIP TO X3105 (Q486)
-7. OTHER (SPECIFY) --> SKIP TO X3402 (Q535)

Q482/Q486
X3105 IF X3101=YES, ASK: Including your (farm/ranch) business,
in how many (farms/ranches), privately-held
businesses, professional practices, limited partnerships,
or other business investments that are not publicly traded
do you (or your family living here) own or share ownership
in and also have an active management role?

ELSE IF X3103=YES, ASK: In how many such privately-held
businesses or investments do you (or your family living
here) have an active management role?

Code number

QF5
X3111 (In total how/How) many people work for (these
businesses/this business), including you (or anyone in your
family living here)?

These next few questions are about the relationship between
your (family's) personal finances and the finances of your
QF6
X3120 Are you (or your family living here) using personal assets as
collateral or did you have to cosign or guarantee any loans
for (this business/these businesses)?

1. YES
5. NO --> SKIP TO X3123 (QF11)

QF7
X7144 Which of these did you do? Collateralize a loan, guarantee
a loan, or both?

1. COLLATERALIZE
2. GUARANTEE
3. BOTH

QF8
X3121 (In total, how/How) much is (guaranteed/collateralized/
guaranteed or collateralized)?

Code amount

QF9
X3122 Did I record this earlier?
1. YES
5. NO --> SKIP TO X3123 (QF11)
QF10
X7551 Which loan was that?
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
-7. Other (SPECIFY)
QF11
X3123 Other than guarantees, (does the business/do the
businesses) owe you (or your family living here) any money?

1. YES
5. NO --> SKIP TO X3125 (QF13)

QF12
X3124 (In total, how/How) much is owed?
Code amount

QF13
X3125 Do you (or your family living here) owe the business(es)
any money?

1. YES
5. NO --> SKIP TO X3335 (QF17)
QF14
X3126(#1) How much do you (and your family living here) owe?
Code amount

QF15
X3127(#1) Did I record this earlier in the interview?
1. YES
5. NO --> SKIP TO X3335 (QF17)

QF16
X7548(#1) Which loan was that?
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
-7. Other (SPECIFY)
QF17
X3335(#4) (What is the net worth of the share the business owned by
you [or anyone in your family living here]?/What is the net
worth of the shares of the businesses owned by you [or
anyone in your family living here]?)
PROBE: What could you sell it for?

THE VALUE SHOULD BE NET OF ANY LOANS.

Code amount
-1. Nothing

QF18
D48. [Has the business/Have any of the businesses] applied for any
type of credit or loan in the last two years?

INCLUDE PRE-APPROVED CREDIT THAT BUSINESS ACCEPTED.

1. YES
5. NO SKIP TO D52 (QF22)
8. DK SKIP TO D52 (QF22)
9. REF SKIP TO D52 (QF22)
QF19
D49. In the past two years, has a particular lender or creditor
turned down any request [the business/any of your
businesses] made for credit, or not given the business as
much credit as requested?

IF YES, PROBE: Turned down, or not as much credit?
IF TURNED DOWN AND NOT AS MUCH CREDIT, ASK WHICH IS MORE RECENT.

**** 1. Yes, turned down
**** 3. Yes, not as much credit
**** 5. No SKIP TO D52 (QF22)
8. DK SKIP TO D52 (QF22)
9. REF SKIP TO D52 (QF22)

QF20
D50. Did the business later obtain the full amount requested, either
by reapplying to the same institution or by applying elsewhere?

1. YES, BY REAPPLYING
2. YES, BY APPLYING ELSEWHERE
3. Did Not Reapply
5. NO
8. DK
9. REF

QF21
D51. On the most recent occasion, what reasons were given for
(being turned down for credit/given for being unable to get as much
credit as the business applied for)?

______________________________________________________

QF22
D52. Was there any time in the past two years that (the
business/any of your businesses) thought of applying for credit at a
particular place, but decided not to because it was thought it might
be turned down?

1. YES
5. NO SKIP TO X3401 (Q534)
8. DK SKIP TO X3401 (Q534)
9. REF SKIP TO X3401 (Q534)
QF23
D53. On the most recent occasion, why did you expect to be turned down?

______________________________________________________

Q534
X3401 Do you (or anyone in your family living here) own or share
ownership in any other businesses or business
investments that are not publicly traded and where you do
NOT have an active management role?
IF YES: Please do not include any assets reported earlier.

1. YES
5. NO --> SKIP TO X2501 (Q556)

Q535
X3402 In how many businesses do you (and your family living here)
own or share ownership where you do not have an active
management role?

Code number
QF24
X3407 What could you sell your (family's) share for?

Code amount

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
VEHICLES
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
Q556
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 (or your
family living here) have any such business vehicles?

1. YES
5. NO --> SKIP TO X2101 (Q559)

Q557
X2502 How many such vehicles do you (or someone in your family
living here) regularly use?

Code number

Q559
X2101 Are you or anyone in your family living here currently
leasing any cars or other vehicles?

1. YES
5. NO --> SKIP TO X2201 (Q577)

Q560
X2102 How many cars or other vehicles do you (and your family
living here) lease?

Code number
QG1
X2105 (In total, how/How) much are the lease payments?

Code amount
-1. Nothing
-2. No regular payments
QG2
X2106 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
(And that amount is per...?)

Code frequency
2. Week
4. Month
-7. Other (SPECIFY)

Q577
X2201 Do you (or anyone in your family living here) own any cars,
or any kind of truck, van or sport utility vehicle (SUV)?

Do not include motorcycles, tractors, snow blowers, etc.,
or any vehicles owned by a business.

INCLUDE VEHICLES THAT ARE (OR COULD EASILY BE) IN RUNNING CONDITION.

1. YES
5. NO --> SKIP TO X2503 Q623)

Q578
X2202 Altogether, how many such cars or vehicles do you (or your
family living here) own?

Code number

QG3
X2422 How much (in total) (is this vehicle/are these vehicles) worth?
(What would you get if you sold [it/them] today?)

Code amount

QG4
X2423 Not counting loans I have already recorded, is any money
still owed on loans for (this vehicle/these vehicles)?

1. YES
5. NO --> SKIP TO X2503 (Q623)

QG5
X2424 Altogether, about how much is still owed on (this
loan/these loans)?

Code amount

QG6
X2425 How much are the payments on (this loan/these loans)?

Code amount
-1. Nothing
-2. No regular payment
QG7
X2426 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
(And that amount is per...?)

Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
8. Lump sum/one payment only
11. Twice per year
31. Twice a month
-7. Other (SPECIFY)

Q623
X2503 Do you or anyone in your family living here own any other
vehicles such as a motor home, RV, motorcycle, boat, or
airplane?

INCLUDE ANIMAL TRAILERS, GOLF CARTS, SNOWMOBILES,
GLIDERS, ETC. DO NOT INCLUDE TRACTORS AND LAWN MOWERS

1. YES
5. NO --> SKIP TO X7801 (Q666)

Q624
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

QG8
X2623 How much are all the other such vehicle(s) that you (and
others in your family living here) own worth?

IF PEU OWNS ONLY PART OF THE REMAINING VEHICLES, INCLUDE
ONLY THE PEU'S SHARE.

Code amount

QG9
X2624 Not counting loans I have already recorded, is any money
still owed on loans for (this vehicle/these vehicles)?

1. YES
5. NO --> SKIP TO X7801 (Q666)
QG10
X2625 Altogether, about how much is still owed on (this
loan/these loans)?

IF PEU OWNS ONLY PART OF THE REMAINING VEHICLES, INCLUDE
ONLY THE PEU'S SHARE.

Code amount
QG11
X2626 How much are the payments on (this loan/these loans)?

IF PEU OWNS ONLY PART OF THE REMAINING VEHICLES, INCLUDE
ONLY THE PEU'S SHARE.

Code amount
-1. Nothing
-2. No regular payment
QG12
X2627 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
(And that amount is per...?)

Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
8. Lump sum/one payment only
11. Twice per year
31. Twice a month
-7. Other (SPECIFY)

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
EDUCATION LOANS
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
Q666
X7801 Do you and your family living here owe any money or have
any loans for educational expenses?

IF YES: Please do not include any credit cards or other
loans I have already recorded.

DO NOT INCLUDE TUITION BILLS THAT HAVE ARRIVED BUT ARE NOT YET PAID.

1. YES
5. NO --> SKIP TO X7182 (Q702)

Q667
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
QH1
X7802a Are the payments on (this loan/any of these loans)
currently deferred?

**** 1. YES
**** 5. NO

QH2
X7802b How much (in total) do you (or your family living here) owe
on (this/these) education loan(s)? That is, how much would
it cost to pay off the loan(s) now.
QH3
X7802c IF MORE THAN ONE LOAN OR NO PAYMENTS ARE DEFERRED, ASK:
How much (in total) are the payments on (this loan/these loans)?

Code amount
NOTHING
QH4
X7802d INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
(And that amount is per...?)

Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
8. Lump sum/one payment only
11. Twice per year
31. Twice a month
-7. Other (SPECIFY)

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
OTHER CONSUMER LOANS
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
Q702
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.
DO NOT INCLUDE GIFTS/LOANS R IS NOT EXPECTED TO REPAY
DO NOT INCLUDE OUTSTANDING BILLS UNLESS THEY ARE MORE THAN
30 DAYS PAST DUE

1. YES
5. NO --> SKIP TO X7063 (Q5802)

NOTE: CARD 8 contains the following text in a vertical
column: "Loans for household appliances, furniture,"
"Loans for hobby or recreational equipment," "Loans for
medical bills," "Loans from friends or relatives," "Other
loans or money owed."

Q703
X2709 How many such loans do you have?

Code number

QI1
X2710 What was the (largest) loan for?

________________________________________________

QI2
X7183 How much (in total) is owed on (this loan/these loans)?

Code amount

QI3
X7184 How much (in total) are all the payments on (this
loan/these loans)?

Code amount
-1. Nothing
-2. No regular payment
QI4
X7185 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
(And that amount is per...?)

Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
8. Lump sum/one payment only
11. Twice per year
31. Twice a month
-7. Other (SPECIFY)

-----------------------------------------------------------------------------
PAYMENTS ON SCHEDULE ON ALL TYPES OF LOANS
-----------------------------------------------------------------------------
Q5802
X7063 During the past year, have you (or anyone in your family
living here) taken out a "payday loan," that is, borrowed
money that was supposed to be repaid in full out of your
next paycheck?
IF YES: Please do not include personal loans from family
members or friends.

1. YES
5. NO

ASK Q732 IF ANY OF THE FOLLOWING HOLD (R HAS ANY TYPE OF LOAN OR
A CREDIT CARD BALANCE):
QB6 (Section B: credit card balance) is >0
Q91 (Section B: non-credit-card tab at a store) = YES
Q218 (Section D: have a mortagage on house) = Yes, mortgage or Yes,
land contract
Q272A1 (Section D: other home equity loan) = YES
Q274 (Section D: other home purchase loan) = YES
Any iteration of Q305/X1105a-X1105b (Section D: balance on a line
of credit) >0
QE7 (Section E: mortgage on vacation property) = YES
QE16 (Section E: mortgage on non-vacation property) = YES
QF4 (Section F: have loan for business) = YES
QF11 (Section F: have loan from business) = YES
QG4 (Section G: mopup car loan) = YES
QG9 (Section G: mopup other vehicle loan) = YES
Q666 (Section H: have education loan) = YES
Q702 (Section I: have other loan) = YES
Q732
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
--> SKIP TO X6772 (Q1472)
5. Sometimes got behind or missed payments

Q733
X3005 Were you ever behind in your payments by two months or more?

1. YES
5. NO
Q1472
X6772 Since January 2007, have you (or your
husband/wife/partner) filed for bankruptcy?

1. YES
5. NO --> SKIP TO X3006a (QI5)

Q1473 When was that?
Q1600
X6773 CODE YEARS AGO
-1. Less than a year
Q1601
X6774 CODE YEAR

QI5 CHECKPOINT: HOME REPORTED AS FORECLOSED EARLIER
IF QD7=HOME FORECLOSED, SKIP TO Q734 (X3006)
ELSE CONTINUE

QI6
X3006a Have you (or your [husband/wife/partner]) ever had a
**** foreclosure proceeding brought against a property you have
owned?
1. Yes
5. No --> SKIP TO X3006/Q734
QI7
X3006b What year was that?
IF MORE THAN ONCE, ASK: When was the most recent time?

CODE YEAR
QI8
X3006c Did you lose the property as a result?
1. YES
5. NO --> SKIP TO X3006/Q734
QI9
X3006d Did you attempt to contact your lender to work out an
arrangement to avoid foreclosure?

1. YES
5. NO
QI10
X4006e Was the property you lost your home?

1. YES
5. NO

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
MISCELLANEOUS OPINION VARIABLES
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
Q734
X3006 Now I'd like to ask you some questions about your (family's)
attitudes about savings. People have different reasons for
saving, even though they may not be saving all the
time. What are your (family's) most important reasons for
saving?

IF R SAYS THEY DON'T/CAN'T SAVE ASK: If you were saving now,
what would be the most important reason you would have to save?

Probe: What else?

TREAT "SAVING" AND "INVESTING" THE SAME.

______________________________________________

Q735
X3010 In the next five to ten years, are there any foreseeable
major expenses that you (and your family) expect to have to
pay for (yourself/yourselves), such as educational
expenses, purchase of a new home, health care costs,
support for other family members, or anything else?

1. YES
5. NO --> SKIP TO X3008/Q739

****Q736M1-M6
X3011 What kinds of obligations are these?
SHOW CARD 9

CODE ALL THAT APPLY
1. EDUCATION FOR YOUR CHILDREN
2. EDUCATION FOR OTHERS
3. HEALTH CARE FOR SELF/SPOUSE/PARTNER
4. HEALTH CARE FOR OTHERS
21. PURCHASE OF NEW HOME
-7. OTHER MAJOR FINANCIAL OBLIGATIONS (SPECIFY)

NOTE: CARD 9 contains the following text in a vertical
column: "Education for your children," "Education for
others," "Future health care for self/spouse," "Health care
for others," "Purchase of new home," "Other major financial
obligation."

Q738
X7186 Are you saving for (this expense/these expenses) now?

1. YES
5. NO
6. ALREADY SAVED FOR IT

Q739
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."

Q740
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?

READ RESPONSES IF NECESSARY.

TELEPHONE VERSION:
Which of the following statements comes closest to
describing the amount of financial risk that you (and your
[husband/wife/partner]) are willing to take when you save
or make investments?

INTERVIEWER: IF MORE THAN ONE RESPONSE IS GIVEN USE THE
FIRST CATEGORY THAT APPLIES.

1. Take substantial financial risks expecting to earn
substantial returns
2. Take above average financial risks expecting to earn
above average returns
3. Take average financial risks expecting to earn
average returns
4. Not willing to take any financial risks

NOTE: CARD 6 contains the following text in a vertical
column: "Take substantial financial risks expecting to earn
substantial returns," "Take above average financial risks
expecting to earn above average returns," "Take average
financial risks expecting to earn average returns," "Not
willing to take any financial risks."
****Q741M1-M7
X3015
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?

READ RESPONSES IF NECESSARY.
INTERVIEWER: DO NOT PROBE FOR MORE THAN ONE RESPONSE.
ENTER MULTIPLE RESPONSES ONLY IF R VOLUNTEERS THEM
TREAT SAVING AND INVESTING THE SAME.

TELEPHONE VERSION:
Which of the following statements comes closest to
describing your (and your [husband/wife/partner]'s)
saving habits?

INTERVIEWER: DO NOT PROBE FOR MORE THAN ONE RESPONSE.
ENTER MULTIPLE RESPONSES ONLY IF R VOLUNTEERS THEM
TREAT SAVING AND INVESTING THE SAME.

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

1. Don't save - usually spend more than income
2. Don't save - usually spend about as much as income
3. Save whatever is left over at the end of the month -
no regular plan
4. Save income of one family member, spend the other
5. Spend regular income, save other income
6. Save regularly by putting money aside each month
-7. OTHER (SPECIFY)

NOTE: CARD 7 contains the following text in a vertical
column: "Don't save -- Usually spend more than income,"
"Don't save -- Usually spend about as much as income,"
"Save whatever is left over at the end of each month -- No
regular plan," "Save income of one family member, spend the
other," "Save regularly by putting money aside each month."

Q743
X7510 Over the past year, would you say that your (family's)
spending exceeded your (family's) income, that it was about
the same as your income, or that you spent less than your
income?

(Spending should not include any investments you have made.)
IF DEBTS ARE BEING REPAID ON NET, TREAT THIS AS SPENDING
LESS THAN INCOME.

1. SPENDING EXCEEDED INCOME
2. SPENDING SAME AS INCOME
3. SPENDING WAS LESS THAN INCOME --> SKIP TO X7187/Q749
8. DK --> SKIP TO X7187/Q749
9. REF --> SKIP TO X7187/Q749

Q744
X7509 Did any of that spending include purchases of a home or
automobile or spending for any investments?

1. YES
5. NO --> SKIP TO X7507/Q746

Q745
X7508 Leaving aside those expenses, 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 SAME AS INCOME --> SKIP TO X7187/Q749
3. SPENDING WAS LESS THAN INCOME --> SKIP TO X7187/Q749
Q746
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
2. SPENT OUT OF SAVINGS/INVESTMENTS
-7. OTHER (SPECIFY)

Q749
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:
Q1608
X6788 Compared with other people of (my/our) generation and
background, [I/my (husband/wife/partner) and I] have been
lucky in (my/our) financial affairs over the past two years.

1. AGREE STRONGLY
2. AGREE SOMEWHAT
3. NEITHER AGREE NOR DISAGREE
4. DISAGREE SOMEWHAT
5. DISAGREE STRONGLY

Q1609
X6789 When the things that [I/my (husband and I/wife and I/
partner and I)] own *increase* in value, (I am/we are)
*more* likely to spend money.

1. AGREE STRONGLY
2. AGREE SOMEWHAT
3. NEITHER AGREE NOR DISAGREE
4. DISAGREE SOMEWHAT
5. DISAGREE STRONGLY
QJ1
X6789a When the things that [I/my (husband and I/wife and I/
partner and I)] own *decrease* in value, (I am/we are)
*less* likely to spend money.

1. AGREE STRONGLY
2. AGREE SOMEWHAT
3. NEITHER AGREE NOR DISAGREE
4. DISAGREE SOMEWHAT
5. DISAGREE STRONGLY

QJ2 Aside from any purchases of assets, would you say that your
(family's) overall expenses over the last 12 months were unusually
high or low compared to what you would expect in a "normal" year, or
were they about normal?

1. High
2. Low
3. Normal

Q1642
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
-----------------------------------------------------------------------------
Q751
X3501 Now I'd like to ask about different types of financial
assets that
you might have. First, do you (or anyone in your family
living here) have any checking accounts at any type of
institution?

IF YES: Please do not include any money market accounts
unless you use them regularly as checking accounts.

DO NOT INCLUDE LOAN ACCOUNTS OR CREDIT CARDS WITH
CHECK-WRITING PRIVILEGES.
DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY
LIVING HERE.

1. YES
5. NO --> SKIP TO X3601/Q774

Q756
X3504 How many checking accounts do you (and your family living
here) have?

(IF R ASKS: INCLUDE MONEY MARKET ACCOUNTS ONLY IF THEY ARE
USED AS CHECKING ACCOUNTS)

DO NOT INCLUDE BUSINESS ACCOUNTS.
DO NOT INCLUDE LOAN ACCOUNTS OR CREDIT CARDS WITH
CHECK-WRITING PRIVILEGES.
DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY
LIVING HERE.

Code number of accounts

QN1 - specs like q767
X3529(#7) How much (in total) is in (this checking account/all your
[family's] checking accounts)?
PROBE: What was the average over the last month?

Code amount
-1. Nothing

-----------------------------------------------------------------------------
IRA/KEOGH ACCOUNTS
-----------------------------------------------------------------------------
Q774
X3601 As we continue through the interview, I will be asking you
about several types of retirement assets you may have, such
as IRAs, annuities, and pensions and retirement accounts you may
have through a current or past job.

Here I would like to ask just about IRAs and Keogh
accounts. These may include accounts that you "rolled
over" into an IRA after leaving a previous job as well as
Roth IRAs, or any other type of IRA or Keogh account that
is not part of a retirement plan on a current or past job.

Do you (or anyone in your family living here) have any
Keoghs or IRAs?

IF YES, SAY: Please do not include IRA-SEP or IRA-SIMPLE accounts,
which we treat as job pensions.

"EDUCATION IRAs" ARE SAVINGS ACCOUNTS.

1. YES
5. NO --> SKIP TO X3719/Q807

QN2 - specs like q777
X3603 How many such accounts do you (or your family living here) have?

**** Code number of accounts

QN3 - specs like q1705
X6551 What is the (total) amount in (this account/all these accounts)?

**** Code amount
QN4 -
X6555 How is the money in (this/these) account(s) invested? Is
it all in stocks, all in interest-earning assets, is it
split between these, or something else?

IF R SAYS "MUTUAL FUND", PROBE FOR WHETHER IT IS A STOCK
FUND, A BOND FUND, OR ONE SPLIT OVER BOTH TYPES

1. ALL IN STOCKS --> SKIP TO QN6/X6557
2. ALL IN INTEREST EARNING ASSETS/BONDS --> SKIP TO QN6/X6557
3. SPLIT
30. MUTUAL FUND (NOT A PREFERRED RESPONSE)
-7. OTHER (SPECIFY)

QN5 - specs like q790
X6556(#1) About what percent is in stocks?

Code percent * 100

QN6
X6557(#1) Did (you/anyone) take any withdrawals from (this/these)
account(s) in 2008?

1. YES
5. NO

QN7 - specs like q1709
X6558(#1) How much in total was withdrawn in 2008?

Code amount

-----------------------------------------------------------------------------
CERTIFICATES OF DEPOSIT
-----------------------------------------------------------------------------
Q807
X3719 Do you (or anyone in your family here) have any CDs or
certificates of deposit at financial institutions?

IF YES: Please do not include CDs that are part of IRAs or
Keoghs I have already recorded.

IF R ASKS: CDs are certificates held for a set period of
time that must be cashed or renewed at the maturity date.

INCLUDE "BANKERS ACCEPTANCES" AND "REPURCHASE AGREEMENTS".
DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY
LIVING HERE.

1. YES
5. NO --> SKIP TO X3727/Q816

Q808
X3720 Altogether, how many such CDs do you (and your family living
here) have?

Code number

Q809
X3721 What is the total dollar value of (this CD/all these CDs)?

Code amount

-----------------------------------------------------------------------------
SAVINGS/MONEY MARKET ACCOUNTS
-----------------------------------------------------------------------------
Q816
X3727 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,
accounts that are part of a pension plan, or mutual funds
other than money market funds.

A MONEY MARKET ACCOUNT HAS AN INTEREST RATE THAT VARIES
FROM MONTH TO MONTH, AND IT USUALLY HAS LIMITED CHECKING
PRIVILEGES.
COVERDELL ACCOUNTS AND STATE-SPONSORED "529" ACCOUNTS ARE
EDUCATIONAL SAVINGS PLANS (ESAs).

DO NOT INCLUDE CUSTODIAL ACCOUNTS HELD FOR PEOPLE NOT IN
THE FAMILY LIVING HERE.
DO NOT INCLUDE MUTUAL FUNDS OTHER THAN MONEY MARKET
ACCOUNTS.
INCLUDE ALL OTHER ACCOUNTS IN WHICH THE FAMILY HAS ANY
ASSET INTEREST.

1. YES
5. NO --> SKIP TO X3819/Q831

Q817
X3728 How many such accounts do you (and your family living here)
have?

DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY
LIVING HERE.

Code number of accounts
QN8 - specs like q823
X3730 How much (in total) is in your (family's) account(s)?
(What was the average over the last month?)

Code amount

****QN9M1-M7
X3732(#1) What (type of account is this/types of account are these)--
a traditional savings account, a Coverdell or 529 educational
account, a money market account, or some other type of account?

CODE ALL THAT APPLY

PASSBOOK AND STATEMENT ACCOUNTS ARE TRADITIONAL SAVINGS
ACCOUNTS. COVERDELL ACCOUNTS AND STATE-SPONSORED "529"
ACCOUNTS ARE EDUCATIONAL SAVINGS PLANS (ESAs)

DO NOT INCLUDE EMPLOYER-SPONSORED FLEXIBLE SPENDING PLANS.

1. TRADITIONAL SAVINGS ACCOUNT
2. COVERDELL/EDUCATION IRA
3. 529/STATE-SPONSORED EDUCATION ACCOUNT
4. MONEY MARKET ACCOUNT
7. HEALTH SAVINGS ACCOUNT
30. SWEEP ACCOUNT
-7. OTHER (SPECIFY)

QN10
X7074 Is any of the money in (this account/these accounts)
invested in stocks or stock mutual funds?

1. YES
5. NO --> SKIP TO Q831/X3819

QN11 specs like q5806
X7075(#1) About what percent is in stocks or stock mutual funds?

Code percent * 100

-----------------------------------------------------------------------------
MUTUAL FUNDS
-----------------------------------------------------------------------------
Q831
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 --> SKIP TO X3901/Q852

Q842
X3820 In how many different mutual funds or hedge funds (do
you/does your family) own shares?

(INTERVIEWER: WE WANT THE NUMBER OF FUNDS, NOT THE NUMBER
OF FUND MANAGEMENT COMPANIES.)

Code number of funds

QN12 - specs like q834
X3820a What is the (total) market value of (this fund/all these funds)?

CODE AMOUNT

QN13
X3820b How is the money in (this fund/these funds) invested? Is
it all in stocks, all in interest-earning assets, is it
split between these, or something else?

1. ALL IN STOCKS --> SKIP TO X3901/Q852
2. ALL IN INTEREST EARNING ASSETS/BONDS --> SKIP TO X3901/Q852
3. SPLIT
-7. OTHER (SPECIFY)

QN14 - specs like q790
X3820c About what percent is in stocks?

Code percent * 100

-----------------------------------------------------------------------------
SAVINGS BONDS
-----------------------------------------------------------------------------
Q852
X3901 Do you (or anyone in your family here) have any
U.S. government savings bonds?

OLDER SAVINGS BONDS MAY BE SERIES E AND H.
MORE RECENT SAVINGS BONDS INCLUDE SERIES EE, HH, AND I.
ONE WAY SAVINGS BONDS CAN BE PURCHASED IS BY PAYROLL DEDUCTION.

1. YES
5. NO --> SKIP TO X3903/Q855

Q853
X3902 What is the total face value of all the savings bonds that you
(and your family) have?

Code amount

-----------------------------------------------------------------------------
BONDS OTHER THAN SAVINGS BONDS
-----------------------------------------------------------------------------
Q855
X3903 Do you (or anyone in your family living here) have any
other corporate, municipal, government, or other type of
bonds or bills?

IF YES: Please do not include bonds or bills held in
pension accounts, or any other accounts I have already recorded.

1. YES
5. NO --> SKIP TO X3913/Q870

Q868
X3904 How many different bonds or bills do you (or your family) own?

Code number

QN15 - specs like q858
X3903a What is the face value of all of the bonds you (and your
family living here) have?

**** Code amount

QN16 - specs like q860
X7635 What is the total market value?

**** Code amount

-----------------------------------------------------------------------------
PUBLICLY TRADED STOCK
-----------------------------------------------------------------------------
Q870
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 --> SKIP TO X3923/Q892

Q871
X3914 In how many different companies do you (or your family
living here) own stock?

WE WANT THE NUMBER OF COMPANIES IN WHICH R OWNS STOCK, NOT
THE NUMBER OF INDIVIDUAL SHARES.

Code number

Q872
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

-----------------------------------------------------------------------------
BROKERAGE ACCOUNTS
-----------------------------------------------------------------------------
Q892
X3923 Do you (or anyone in your family here) have a brokerage
account for the purchase or sale of stocks and other securities?

1. YES
5. NO --> SKIP TO X6815/Q907A1

Over the past year, about how many times did you (or anyone
in your family living here) buy or sell stocks or other
securities through a broker?

ENTER ZERO FOR NONE.
Q896
X3928 Code number
-1. None
Q897
X7193 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
IF ANSWER IS ZERO, CODE "IN TOTAL".

TIMES PER

(And that amount is per...?)

Code frequency
1. DAY
2. WEEK
4. MONTH
5. QUARTER
6. YEAR
8. IN TOTAL
31. TWICE A MONTH
-7. OTHER
Q899
X3929 Not including any accounts you've told me about, do you (or
anyone in your family living here) have a "cash" or "call
money" account at a stock brokerage?

(IF R ASKS: CASH OR CALL MONEY ACCOUNTS HOLD MONEY RECEIVED
FROM THE SALE OF STOCK UNTIL THE MONEY IS REINVESTED.)

1. YES
5. NO --> SKIP TO X3931/Q902

Q900
X3930 What is the total dollar value of all the cash or call
money accounts that you (and your family living here) have?

Code amount
-1. Nothing

Q902
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 --> SKIP TO X6815/Q907A1

Q905
X3932 Altogether, what is the current balance on these margin loans?

Code amount

-----------------------------------------------------------------------------
ANNUITIES, TRUSTS, AND MANAGED INVESTMENT ACCOUNTS
-----------------------------------------------------------------------------
Q907A1
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 --> SKIP TO X6827/Q907A2

Q910A1
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 --> SKIP TO X6581/Q921A1

Q911A1
X6577 How much would you receive if you cashed in these annuities?

Code amount

Q915A1
X6579 Do you (or your family living here) also have annuities
which you could not cash in?

1. YES
5. NO

Q921A1
X6581 How is the money in (all) the annuities invested? Is all
of it in stocks, all of it in interest-earning assets, is it
split between these, or something else?

IF R SAYS "MUTUAL FUND", PROBE FOR WHETHER IT IS A STOCK
FUND, A BOND FUND, OR ONE SPLIT OVER BOTH TYPES

1. ALL IN STOCKS --> SKIP TO X6827/Q907A2
2. ALL IN INTEREST EARNING ASSETS/BONDS --> SKIP TO X6827/Q907A2
3. SPLIT
30. MUTUAL FUND (NOT A PREFERRED RESPONSE)
9. GIC/GUARANTEED INCOME CONTRACT --> SKIP TO X6827/Q907A2
-7. OTHER (SPECIFY)

Q1734A1
X6582 About what percent is in stocks?

Code percent * 100

Q907A2
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.

EXCEPTION: FOR THIS QUESTION, <bold>INCLUDE</bold>ANY SUCH
ASSETS THAT WERE REPORTED EARLIER!

1. YES
5. NO --> SKIP TO X4001/Q924

****Q908A2M1-A2M3
X6828 Are these trusts or managed investment accounts?

(CODE ALL THAT APPLY)

1. Legal Trusts
2. Managed investment accounts
-7. Other (SPECIFY)

IF X6828/Q908A2=LEGAL TRUST THEN ASK:
QN17
X6828a Did you (or your family living here) set up the trust, or
did you receive it from someone else?

TREAT DECEASED SPOUSE AS SELF.

1. SELF/FAMILY LIVING THERE
2. ANOTHER PERSON

Q798A2
X6583 Does this include any assets you told me about earlier?

1. YES
5. NO --> SKIP TO X6586/Q910A2
Q799A2
X6584 Which ones?

CODE ALL THAT APPLY

Q800A2
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 --> SKIP TO X4001/Q924

Q910A2
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

IF X6586/Q910A2=NO THEN ASK:
(OTHERWISE, SKIP TO X6587/Q911A2)
QN18 - specs like q911
X6586a About what would the current value be for the part of the
accounts to which you (or your family living here) have rights?

Code amount --> SKIP TO X6591/Q921A2
Q911A2
X6587 How much would you receive if you cashed in these accounts?

Code amount
Q915A2
X6589 Do you (or your family living here) also have such accounts
which you could not cash in?

1. YES
5. NO

Q921A2
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 SAYS "MUTUAL FUND", PROBE FOR WHETHER IT IS A STOCK
FUND, A BOND FUND, OR ONE SPLIT OVER BOTH TYPES

1. ALL IN STOCKS --> SKIP TO X4001/Q924
2. ALL IN INTEREST EARNING ASSETS/BONDS --> SKIP TO X4001/Q924
3. SPLIT
30. MUTUAL FUND (NOT A PREFERRED RESPONSE)
9. GIC/GUARANTEED INCOME CONTRACT --> SKIP TO X4001/Q924
-7. OTHER (SPECIFY)

Q1734A2
X6592 About what percent is in stocks?

Code percent * 100

-----------------------------------------------------------------------------
LIFE INSURANCE
-----------------------------------------------------------------------------
Q924
X4001 Do you (or anyone in your family living here) have any life
insurance? Please include individual and group policies,
but not accident insurance.

DO NOT INCLUDE INSURANCE THAT ONLY PAYS IN SPECIAL
CIRCUMSTANCES (FOR EXAMPLE, ACCIDENT LIFE INSURANCE).

1. YES
5. NO --> SKIP TO X4017/Q953

Q925
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.

Are any of your (family's) policies term insurance?

1. YES
5. NO --> SKIP TO X4005/Q931

Q926
X4003 What is the current face value of all the term life
policies that you (and your family living here) have?

(THE FACE VALUE OF A POLICY IS WHAT THE POLICY WOULD PAY IN
THE EVENT OF DEATH)

Code amount
Q928
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.

1. YES
5. NO --> SKIP TO X4017/Q953

Q931
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
Q933
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?

Code amount
-1. Nothing
Q935
X4007 Are you borrowing against these policies?

Are you or your family borrowing against these policies?

1. YES
5. NO --> SKIP TO X4017/Q953

Q936
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
Q937
X4009 Did I record these loans earlier in the interview?

1. YES
5. NO --> SKIP TO X4010/Q940
Q938
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
-7. Other (SPECIFY)
SKIP TO X4017
Q940
X4010 How much is currently borrowed?

Code amount

Q942
X4011 Typically how much are the payments on these loans?

Code amount
-1. Nothing
-2. No typical payment
Q944
X4012 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
(And that amount is per...?)

Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
8. Lump sum/one payment only
31. Twice a month
-7. Other (SPECIFY)

-----------------------------------------------------------------------------
MISCELLANEOUS ASSETS AND DEBTS
-----------------------------------------------------------------------------
Q953
X4017 We have talked about various types of savings, investments,
and loans. Other than what I have already recorded, are
you (or anyone in your family living here) owed any money by
friends, relatives, businesses, or others?

(WE DO NOT WANT TO INCLUDE LOANS BETWEEN FINANCIALLY
DEPENDENT FAMILY MEMBERS.)

1. YES
5. NO --> SKIP TO X4019/Q956

Q954
X4018 Altogether, how much are you owed?

Code amount

IF X4017/Q953=1 THEN ASK:
QN19
X4017a What type of loan or investment is this?

________________________________________________

Q956
X4019 Other than pension assets and other such retirement assets,
do you (or anyone in your family living here) have any other
substantial assets that I haven't already recorded -- for
example, artwork, precious metals, antiques, oil and gas
leases, futures contracts, future proceeds from a lawsuit
or estate that is being settled, royalties, or something
else?

(DO NOT INCLUDE PENSION-TYPE OR EMPLOYER PROFIT- SHARING
ACCOUNTS HERE.)

1. YES
5. NO --> SKIP TO X4031/Q963

Q958A1-Q958A3
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.

_____________________________________________

Q960A1-Q960A3
X4022(#1) What is the total dollar value that you (and your family
X4026(#2) living here) have in this asset?
X4030(#3)
Code amount

Q962A1-Q962A2
X4023(#1) Do you have any other such substantial assets?
X4027(#2)
1. YES --> GO TO NEXT ITERATION
5. NO --> GO TO X4031/Q963

Q963
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 --> SKIP TO X7196/Q977A1

Q964
X4032 How much is owed?

Code amount
QN20
X4032a What type of debt is this?

________________________________________________

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
CURRENT MAIN JOB OF HEAD AND SPOUSE/PARTNER
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
#1 refers to current job information for 2009 respondent
#2 refers to current job information for spouse/partner
-----------------------------------------------------------------------------
Q977A1/A2
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

Q979A1M1-M12/A2M1-M12
(#1) X6670
(#2) X6678

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 something else?

IF R HAS MULTIPLE JOBS, RECORD THE ONE MOST IMPORTANT TO R
HERE AND CODE THE OTHER LATER AS A SECOND JOB.
CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN

TELEPHONE VERSION:
We are interested in your (wife's/partner's) present
job status. (Are you/Is [he/she]) working now,
temporarily laid off, unemployed and looking for work,
on sick leave, disabled and unable to work, retired,
a student, a homemaker, or something else?

IF R HAS MULTIPLE JOBS, RECORD THE ONE MOST IMPORTANT TO R
HERE AND CODE THE OTHER LATER AS A SECOND JOB.
CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN

1. WORKING NOW/SELF-EMPLOYED
2. TEMPORARILY LAID OFF
3. UNEMPLOYED AND LOOKING FOR WORK
4. STUDENT
5. HOMEMAKER
6. DISABLED
7. RETIRED (FULL, PARTIAL, OR TEMPORARY)
8. ON SICK LEAVE OR MATERNITY LEAVE
10. VOLUNTEER WORK
11. ON VACATION/OTHER LEAVE OF ABSENCE
15. ON STRIKE
16. OTHER NOT WORKING AND NOT LOOKING FOR WORK

NOTE: CARD 11 contains the following text in a vertical
column: "Working now or on strike," "Temporarily laid off;
on sick leave or other type of leave," "Unemployed and
looking for work," "Student," "Homemaker," "Disabled,"
"Retired," "Other."

CRITICAL VARIABLE: If the work status of the (R/SP) is
answered "don't know" or "refuse," the following text
appears in CAPI:

ATTENTION:
Work experience is a critical detail in this interview.
Without this information, it would be wasting your time to
go on with the interview.

I will terminate the interview at this point and I would
like to thank you for your time.

TERMINATE INTERVIEW
GO BACK AND CHANGE WORK STATUS
*********************************************************

IF X6670 (Q979A1/A2)=TEMPORARILY LAID OFF/ON STRIKE/SICK LEAVE, THEN ASK:

Q981A1/A2
X4101(#1) (Do you/Does [he/she]) expect to go back to this job?
X4701(#2)
INTERVIEWER: IF R IS EXPECTING TO GO BACK TO A JOB, CODE
YES.

1. YES
5. NO

IF X6670 (Q979A1/A2)=TEMPORARILY LAID OFF/ON STRIKE/SICK LEAVE &
X4101 (Q981A1/A2)=NO, THEN ASK:

Q982A1/A2
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

Q983A1/A2
X4103(#1) Code year (4 digits)
X4703(#2)

IF X6670 (Q979A1/A2)=RETIRED/DISABLED
When did (you/your wife/partner) (retire/become disabled)?

Q986A1/A2
X4104(#1) Code year (4 digits)
X4704(#2)

Q987A1/A2
X7197(#1) Code age
X7264(#2) -1. Disabled since birth

Q988A1/A2
X7198(#1) Code number of years past
X7265(#2) -1. 2007

IF X6670 (Q979A1/A2) NOT=UNEMPLOYED AND LOOKING FOR WORK

Q1604A1/A2
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 --> SKIP TO X4105 (Q989A1/A2) INSTRUCTION

IF X6670 (Q979A1/A2)=UNEMPLOYED AND LOOKING FOR WORK, OR X6780 (Q1604A1/A2)=YES

Q1605A1/A2
X6781(#1) Over (this period/the past twelve months), how many weeks in
X6785(#2) total (were you/was [he/she]) unemployed and looking for work?

Code number of weeks

X6670 NOT=WORKING AND X4101 NOT=YES
Q989A1/A2
X4105(#1) (Are you/Is [he/she]) doing any work for pay at the present
X4705(#2) time?

INTERVIEWER: IF R IS EXPECTING TO GO BACK TO A JOB, CODE
YES.
IF R IS DOING SUBSTANTIAL VOLUNTEER WORK WITH REGULAR
HOURS, TREAT THIS AS WORKING.

1. YES
5. NO

QR1A1/A2
CHECKPOINT: WORK STATUS
1. WORKING
2. NOT WORKING --> SKIP TO X4617 (Q1262A1/A2)

Q990A1/A2
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 something else?

IF (R/SP) IS BOTH SELF-EMPLOYED AND WORKS FOR SOMEONE ELSE,
SELECT THE ONE (R/SP) WORKS FOR THE MOST. TREAT THE OTHER
WORK AS A SECOND JOB LATER IN THIS SECTION.
CODE "OTHER" ONLY IF NO OTHER CATEGORY APPLIES AT ALL.

1. Someone else -->SKIP TO X7402 (Q994A1/A2)
2. Self-employed
3. PARTNERSHIP
4. CONSULTANT/CONTRACTOR
-7. OTHER (SPECIFY)

IF X4106 (Q991A1/A2)= 2, 3, or 4 AND X3105 (Q486) NOT ANSWERED, THEN ASK:
(OTHERWISE, SKIP TO X7402 (Q994A1/A2)

Q5809aA1/aA2
X7092(#1) Earlier you said {you do not work in a business that you
X7096(#2) and your family living here own/(you do/[your wife/husband
/partner does]) not have a business}. Does (your/[your
husband's/wife's/partner's]) share of the place where
{(you are/[he/she is] self employed)/(you work/[he/she
works] in a partnership)} have a net value?

1. YES
5. NO

Q5809A1/A2
X7093(#1) How much is {your/[your(husband's/wife's/partner's)]}
X7097(#2) share worth?

Code amount
-1. Nothing

Q5829A1/A2
X7094(#1) What share of this business [do you/does (your wife/
X7098(#2) husband/partner)] own?

Code share * 100

Q994A1/A2
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 2008 4-digit industry codes

Q992A1/A2 and Q993A1/A2
X7401(#1) What is the official title of your (wife's/partner's) job?
X7411(#2) (The title that (your/her/his) employer uses?)

PROBE: Is that the full title?

What sort of work (do you/does [he/she]) do on
(your/her/his) job? (Tell me little more about what (you
do/[he/she] does).)

Code Census 2008 4-digit occupation codes

Q995A1/A2
X4110(#1) How many hours (do you/does [he/she]) work on
X4710(#2) (your/her/his) main job in a normal week? (NOT SELF-EMPLOYED)

How many hours (do you/does [he/she]) work in
this business in a normal week? (SELF-EMPLOYED)

RECORD THE NUMBER OF HOURS (R/SP) WORKS IN A NORMAL WEEK,
NOT THE OFFICIAL NUMBER OF HOURS (R/SP) IS PAID TO WORK.

Code number of hours

Q996A1/A2
X4111(#1) INTERVIEWER: READ SLOWLY
X4711(#2)
Counting paid vacations as weeks of work, how many weeks
(do you/does your [wife/partner]) work on this job in a
normal year?

WEEKS FOR WORK PLUS PAID VACATIONS AND SICK LEAVE.

Code number of weeks

IF X4106 (Q991A1/A2)=2, 3, 4 or -7 THEN ASK:

Q1025A1/A2
X4125(#1) How (are you/is [he/she]) paid? (Are you/Is [he/she]) paid
X4725(#2) a regular salary or wages?

1. YES
5. NO

Q997A1/A2
X4112(#1) About how much (do you/does [he/she]) earn before taxes
X4712(#2) on (your/her/his) main job? (NOT SELF-EMPLOYED)

INCLUDE NORMAL OVERTIME, BONUSES, AND TIPS.
IF WAGE IS HOURLY, ENTER DOLLARS AND CENTS.
CONFIRMATION SCREEN WILL ONLY SHOW DOLLARS.

How much in salary or wages (are you/is [he/she]) paid
before taxes? (SELF-EMPLOYED)

Code amount
-1. Nothing

Q999A1/A2
X4113(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
X4713(#2) (And that amount is per...?)

Code frequency
1. Day
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
11. Twice per year; every six months
14. By the piece/job
18. Hour
31. Twice a month
-7. Other (SPECIFY)

IF X4112 (Q997A1/A2)=NOTHING OR X4113 (Q999A1/A2)=BY THE JOB/PIECE, ASK:
ELSE SKIP TO CHECKPOINT BELOW

QR2A1/A2
X4112a What did (you/[he/she]) get in 2008?
X4712a

IF R REPORTS "VARIES" OR "IN TOTAL," ASK THE TOTAL AMOUNT FOR
LAST YEAR AND ENTER AS AN ANNUAL AMOUNT.
QR3A1/A2
X4113a INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
X4713a (And how often (do you/does [he/she]) receive that amount?)

Code frequency
1. Day
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
11. Twice per year; every six months
14. By the job/piece
18. Hour
31. Twice a month

QR4A1/A2
CHECKPOINT: SELF-EMPLOYED
1. SELF-EMPLOYED
2. NOT SELF-EMPLOYED --> SKIP TO X6797 (Q1621A1/A2)

Q1030A1/A2
X4127(#1) (Do you/Does [he/she]) (also) receive a portion of the net
X4727(#2) earnings, or some other kind of income?

1. YES
5. NO --> SKIP TO X6797

Q1031A1/A2
X4131(#1) (In addition to regular salary, how/How) much (do you/does
X4731(#2) [he/she]) personally receive from the business before taxes?

Code amount
-1. Nothing

Q1033A1/A2
X4132(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
X4732(#2) (And how often (do you/does [he/she]) receive that amount?)

Code frequency
1. Day
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
11. Twice per year; every six months
14. By the job/piece
18. Hour
31. Twice a month

IF X4131 (Q1031A1/A2)=NOTHING OR X4132 (Q1033A1/A2)=BY THE JOB/PIECE, ASK:
ELSE SKIP TO X6797 (Q1612A1/A2)

QR5A1/A2
X4131a What did (you/[he/she]) get in 2008?
X4731a
**** Code amount

QR6A1/A2
X4132a INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
X4732a (And how often (do you/does [he/she]) receive that amount?)

Code frequency
1. Day
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
11. Twice per year; every six months
14. By the job/piece
18. Hour
31. Twice a month

Q1612A1/A2
X6797(#1) Some employers give their employees financial options that
X6798(#2) can be used to purchase company stock at a later time.
During the past year, has your (wife/partner)'s current
employer given (him/her) any of these, either as a regular
part of (his/her) compensation, or as a bonus?

DO NOT INCLUDE DIRECT TRANSFERS OF STOCK, OR PENSION ARRANGEMENTS.

1. YES
5. NO

Q1003A1/A2
X4114(#1) About how many employees work for this company or
X4714(#2) organization, including all locations? (PROBE: Is it
fewer than 10, 10 to 19, 20 to 99, 100 to 499, or 500
or more?)

1. Less than 10
2. 10 to 19
3. 20 to 99
4. 100 to 499
5. 500 or MORE

How many years in total (have you/has [he/she]) worked (for
this employer/in this business)?

(CODE LESS THAN ONE YEAR AS ZERO YEARS)
INCLUDE ALL YEARS WITH CURRENT EMPLOYER, EVEN IF IN SEVERAL
SPELLS.

Q1005A1/A2
X4115(#1) Code number of years
X4715(#2) -1. Less than one year

Q1006A1/A2
X7199(#1) Code age
X7266(#2)

Q1007A1/A2
X7679(#1) Code year (4 digits)
X7706(#2)

How many years (do you/does [he/she]) expect to continue
working (for this employer/in this business)?

(RECORD LESS THAN ONE YEAR AS 00)

Q1009A1/A2
X4116(#1) Code number of years
X4716(#2) -1. Less than a year
-2. NEVER STOP

Q1010A1/A2
X7680(#1) Code age
X7707(#2) -2. NEVER STOP

Q1584A1/A2
X7200(#1) Code year (4 digits)
X7267(#2) -2. NEVER STOP

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
PENSION FOR HEAD AND SPOUSE/PARTNER FROM CURRENT MAIN JOB
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------

Q1039A1/A2
X4135(#1) IN PERSON VERSION:
X4735(#2) (SHOW CARD 10)

NOT SELF-EMPLOYED:
(Are you/Is [he/she]) included in any
pension, retirement, or tax-deferred savings plans
connected with the job you just told me about? Please do
not include any assets I have already recorded.

DO NOT INCLUDE SOCIAL SECURITY, PLANS CONNECTED ONLY WITH
EARLIER JOBS, OR PLANS FROM WHICH R/SP IS CURRENTLY
RECEIVING RETIREMENT PAYMENTS. THESE ARE RECORDED LATER
IN THE INTERVIEW.

INTERVIEWER: IF R MENTIONS IRA (OTHER THAN SEP IRA OR
SIMPLE IRA) OR KEOGH PLANS, MAKE A NOTE AND SAY: "We
covered those earlier in the interview. Here, I just want
to find out about other plans operated through your
(husband/wife/partner)'s employer."

SELF-EMPLOYED:
Aside from IRA or KEOGH plans, (are you/is
[he/she]) included in any pension, retirement,
or tax-deferred savings plans connected with
the job you just told me about? Please do
not include any assets I have already recorded.

(Are you/Is [he/she]) included in any pension, retirement,
or tax-deferred savings plans connected with
the job you just told me about? Please do
not include any assets I have already recorded.

INCLUDE PLANS THROUGH A UNION. DO NOT INCLUDE SOCIAL
SECURITY, PLANS CONNECTED ONLY WITH EARLIER JOBS, OR
PLANS FROM WHICH R/SP IS CURRENTLY RECEIVING RETIREMENT
PAYMENTS. THESE ARE RECORDED LATER IN THE INTERVIEW.

1. YES
5. NO --> SKIP TO X4501 (Q1135A1/A2)

Q1046A1/A2
X4139(#1) In how many different plans of this sort (are you/is
X4739(#2) [he/she]) included on this job?

QR7A1/A2 There are two general types of pension plans.

In one type, a worker is entitled to receive regular
retirement payments for as long as the worker lives, which
are most often determined by a formula as a percentage of
final or average pay.

In the other type of plan, money accumulates in an account
designated for the worker, such as a 401(k), and that money may be
paid out in a variety of ways depending on the plan or the worker's
choice.

Some plans may be like both of these types.

Is there any type of account balance associated with ([your/his/her]
plans/any of [your/his/her] pension plans)?

**** 1. YES
**** 5. NO --> SKIP TO X11002 (QR18A1/A2)

QR8A1/A2
X11032 What is the (total) balance of (all these/this) pension
X11332 account(s) now?

Code amount

QR9A1/A2
X11026 (Do you/Does [he/she]) currently have a loan against (any of
X11326 these plans/this plan)?
**** 1. YES
**** 5. NO --> SKIP TO X11036 (QR15A1/A2)

QR10A1/A2
X11033 Is the balance you reported net of the loan amount?
X11333
**** 1. NET
**** 5. GROSS

QR11A1/A2
X11027 What is the current loan balance?
X11327
Code amount

QR12A1/A2
X11028 How much are the payments?
X11328
Code amount
-1. NOTHING

QR13A1/A2
X11029 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
X11329 (And that amount is per...?)

Code frequency
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
8. Lump sum/one payment only
11. Twice per year; every six months
31. Twice a month
-7. Other (SPECIFY)

QR14A1/A2
X11030 For what purpose did (you/he/she) borrow this money?
X11330 (What was the main purpose?)

_______________________________________

QR15A1/A2
X11036 How is the account invested? Is it all in stocks, all in
X11336 interest-earning assets, is it split between these, or
something else?

IF R SAYS "MUTUAL FUND", PROBE FOR WHETHER IT IS A STOCK
FUND, A BOND FUND, OR ONE SPLIT OVER BOTH TYPES

1. ALL IN STOCKS --> SKIP TO X11002a (QR17A1/A2)
2. ALL IN INTEREST EARNING ASSETS/BONDS
--> SKIP TO X11002a (QR17A1/A2)
3. SPLIT
30. MUTUAL FUND (NOT A PREFERRED RESPONSE)
9. GIC/guaranteed income contract --> SKIP TO X11002a (QR17A1/A2)
-7. OTHER (SPECIFY)

QR16A1/A2
X11037(#1) About what percent of it is in stocks?
X11137(#2)
Code percent * 100

QR17A1/A2
X11002a IF QR7A1/A2=YES AND IF X4139 (Q1046A1/A2) >1 PLAN (OR DK/REF NUMBER):
X11302a (Do you/Does [he/she]) also have a plan that does not have an account
balance?

**** 1. YES
**** 5. NO

How long (have you/has your[husband/wife/partner]) been in
(this plan/any of these plans)?

CODE ZERO FOR CURRENT YEAR.

QR18A1/A2
X11002(#1) Code number of years
X11102(#2) -1. Less than a year

QR19A1/A2
X11003(#1) Code age
X11103(#2)

QR20A1/A2
X11004(#1) Code year (4 digits)
X13004(#2)

At what age (do you/does [he/she]) expect to receive or
start receiving any money from (this plan/any of these plans)?
QR21A1/A2
X11005(#1) Code age
X11105(#2) -2. NEVER
-3. Leave to estate/Does not plan to retire
QR22A1/A2
X11006(#1) Code number of years
X11106(#2) -1. Less than a year
-2. NEVER
-3. Leave to estate/Does not plan to retire
QR23A1/A2
X11007(#1) Code year (4 digits)
X11107(#2) -2. NEVER
-3. Leave to estate/Does not plan to retire

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
SECOND JOB OF HEAD AND SPOUSE/PARTNER
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
#1 refers to second job of head
#2 refers to second job of spouse/partner
-----------------------------------------------------------------------------

Q1135A1/A2
X4501(#1) Other than (your/your [husband's/wife's/partner's]) main
X5101(#2) job, (are you/is [he/she]) doing any work for pay now,
such as a second job, the military services, or (another)
business of (your/her/his) own?

1. YES
5. NO --> SKIP TO X4511 (Q1144A1/A2)

****Q1136A1M1-M4/A2M1-M4
X4502(#1) Is this a second job, the military services, your
X5102(#2) (husband/wife/partner)'s own business, or something else?
(CODE ALL THAT APPLY)

1. Second job
2. Military
3. Business
-7. Other (SPECIFY)

Q1138A1/A2
X4507(#1) How many hours (do you/does [he/she]) work on (this
X5107(#2) job/these jobs) in a normal week?

Code number
-1. None

Q1139A1/A2
X4508(#1) Counting paid vacations as weeks of work, how many weeks
X5108(#2) (do you/does [he/she]) work on (this job/these jobs) in a
normal year?

Code number

Q1140A1/A2
X4509(#1) About how much (do you/does [he/she]) earn before taxes
X5109(#2) from (this other job/these other jobs)?

Code amount
-1. Nothing

Q1142A1/A2
X4510(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
X5110(#2) (And that amount is per...?)

Code frequency
1. Day
2. Week
3. Every two weeks
4. Month
5. Quarter
6. Year
11. Twice per year; every six months
18. Hour
31. Twice a month
-7. Other (SPECIFY)

Q1144A1/A2
X4511(#1) Thinking about all your (husband/wife/partner)'s current
X5111(#2) work for pay, (do you/does [he/she]) consider
(yourself/herself/himself) to be working full-time or
part-time?

IF R IS LAID OFF OR A SEASONAL WORKER, ASK ABOUT
"JOBS WHEN R IS WORKING".

1. Full-time
2. Part-time --> SKIP TO X4543 (Q1215A1/A2)

IF WORKING FULL-TIME NOW, X4511 (Q1144A1/A2)=1:
Thinking now of the future, in what year or at what age
(do you/does your [husband/wife/partner]) expect to stop
working full-time?

Q1170A1/A2
X7237(#1) Code year (4-digits)
X7304(#2) -2. NEVER STOP --> SKIP TO X5313 (QR24)

Q1171A1/A2
X7728(#1) Code age
X7727(#2) -2. NEVER STOP --> SKIP TO X5313 (QR24)

Q1172A1/A2
X4524(#1) Code number of years
X5124(#2) -1. Less than a year
-2. NEVER STOP --> SKIP TO X5313 (QR24)

Q1174A1/A2
X4525(#1) (Do you/Does [he/she]) expect to work part-time after that?
X5125(#2)
1. YES
5. NO --> SKIP TO X5313 (QR24)

In what year (do you/does [he/she]) expect to stop working
altogether?

Q1177A1/A2
X7238(#1) Code year (4 digits)
X7305(#2) -2. NEVER STOP

Q1178A1/A2
X7700(#1) Code age
X7729(#2) -2. NEVER STOP

Q1179A1/A2
X4526(#1) Code number of years
X5126(#2) -1. Less than a year
-2. NEVER STOP

SKIP TO X5313 (QR24)

IF WORKING PART-TIME NOW, X4511 (Q1144A1/A2)=2:

Q1215A1/A2
X4543(#1) Thinking now of the future, (do you/does your
X5143(#2) [husband/wife/partner]) expect to do any full-time work for pay?

1. YES
5. NO --> SKIP TO X7250 (Q1227A1/A2)

In what year (do you/does [he/she]) expect to start working
full-time?

Q1217A1/A2
X7247(#1) Code year (4 digits)
X7314(#2)

Q1218A1/A2
X7248(#1) Code age
X7315(#2)

Q1219A1/A2
X4544(#1) Code number of years
X5144(#2) -1. Less than a year

In what year (do you/does [he/she]) expect to stop working
full-time?

Q1222A1/A2
X7249(#1) Code year (4 digits)
X7316(#2) -2. NEVER STOP --> SKIP TO X5313 (QR24)

Q1223A1/A2
X7701(#1) Code age
X7730(#2) -2. NEVER STOP --> SKIP TO X5313 (QR24)

Q1224A1/A2
X4545(#1) Code number of years
X5145(#2) -1. Less than a year
-2. NEVER STOP --> SKIP TO X5313 (QR24)

In what year (do you/does [he/she]) expect to stop working
for pay altogether?

Q1227A1/A2
X7250(#1) Code year (4 digits)
X7317(#2) -2. NEVER STOP

Q1228A1/A2
X7702(#1) Code age
X7731(#2) -2. NEVER STOP

Q1229A1/A2
X4546(#1) Code number of years
X5146(#2) -1. Less than a year
-2. NEVER STOP

SKIP TO X5313 (QR24)

IF NOT WORKING NOW (QR1A1/A2=2):

Q1262A1/A2
X4617(#1) (Do you/Does [he/she]) expect to work for pay in the future?
X5217(#2)
1. YES
5. NO --> SKIP TO X5313 (QR24)

In what year (do you/does your [husband/wife/partner])
expect to start working?

Q1264A1/A2
X7257(#1) Code year (4 digits)
X7324(#2)

Q1265A1/A2
X7258(#1) Code age
X7325(#2)

Q1266A1/A2
X4618(#1) Code number of years
X5218(#2) -1. Less than a year

Q1268A1/A2
X4619(#1) Will any of that be full-time work?
X5219(#2)
1. YES
5. NO --> SKIP TO X7262 (Q1281A1/A2)

In what year (do you/does [he/she]) expect to start working
full-time?

Q1270A1/A2
X7259(#1) Code year (4 digits)
X7326(#2)

Q1271A1/A2
X7260(#1) Code age
X7327(#2)

Q1272A1/A2
X4620(#1) Code number of years
X5220(#2) -1. Less than a year

In what year (do you/does [he/she]) expect to stop working
full-time?

Q1276A1/A2
X7261(#1) Code year (4 digits)
X7328(#2) -2. NEVER STOP --> SKIP TO X5313 (QR24)

Q1277A1/A2
X7703(#1) Code age
X7732(#2) -2. NEVER STOP --> SKIP TO X5313 (QR24)

Q1278A1/A2
X4621(#1) Code number of years
X5221(#2) -1. Less than a year
-2. NEVER STOP --> SKIP TO X5313 (QR24)

In what year (do you/does [he/she]) expect to stop working
for pay altogether?

Q1281A1/A2
X7262(#2) Code year
X7329(#2) -2. NEVER STOP

Q1282A1/A2
X7704(#1) Code age
X7733(#1) -2. NEVER STOP

Q1283A1/A2
X4622(#1) Code number of years
X5222(#2) -1. Less than a year
-2. NEVER STOP

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
CURRENT BENEFITS FROM SOCIAL SECURITY
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------

QR24
X5313 Aside from Social Security and anything else I have already
recorded, (are you/is your [husband/wife/partner]) covered by
any other retirement plans or pensions from past jobs?

INCLUDE PLANS FROM WHICH BENEFITS ARE CURRENTLY BEING RECEIVED,
AS WELL AS PLANS TO WHICH RIGHTS HAVE ALREADY BEEN EARNED BUT
NO BENEFITS ARE YET BEING PAID.

**** 1. YES
**** 5. NO --> SKIP TO X5701 (Q1351A1)

QR25
X5314 How many such plans (do you/does your [husband/wife/partner]) have?

Code number

QR26
X6461 There are two general types of pension plans.

In one type, a worker is entitled to receive regular
retirement payments for as long as the worker lives, which
are most often determined by a formula as a percentage of
final or average pay.

In the other type of plan, money accumulates in an account
designated for the worker, such as a 401(k), and that money may be
paid out in a variety of ways depending on the plan or the worker's
choice.

Some plans may be like both of these types.

Is there any type of account balance associated with ([your/his/her]
plans/any of [your/his/her] pension plans)?

**** 1. YES
**** 5. NO --> SKIP TO X5701 (Q1351A1)

QR27
X6362 What is the (total) balance of (all these/this) pension
account(s) now?

Code amount

QR28
X6933 How is it invested? Is it all in stocks, all in
interest-earning assets, is it split between these, or
something else?

IF R SAYS "MUTUAL FUND", PROBE FOR WHETHER IT IS A STOCK
FUND, A BOND FUND, OR ONE SPLIT OVER BOTH TYPES

1. ALL IN STOCKS --> SKIP TO X6557 (QR30)
2. ALL IN INTEREST EARNING ASSETS/BONDS --> SKIP TO X6557 (QR30)
3. SPLIT
30. MUTUAL FUND (NOT A PREFERRED RESPONSE)
9. GIC/guaranteed income contract --> SKIP TO X6557 (QR30)
-7. OTHER (SPECIFY)

QR29
X11037(#1a) About what percent of it is in stocks?

Code percent * 100

QR30
X6557(#1) Did (you/anyone) take any withdrawals from (this/these)
account(s) in 2008?

1. YES
5. NO --> SKIP TO X6558a (QR32)

QR31
X6558(#1) How much in total was withdrawn in 2008?

Code amount

QR32
X6558a IF YES-ACCOUNT AND IF >1 PLAN (OR DK/REF NUMBER):
Do you (or your [husband/wife/[partner]) also have a plan
that does not have an account balance?

**** 1. YES
**** 5. NO

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
INCOME, SUPPORT, ALIMONY
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------

We have covered many sources of income in this interview.
Because of the importance of income in this study, we would
like to make sure we have the best overview of the sources
of income you (and your family living here) received in 2008.

Q1351A1
X5701 Did you (or anyone else) have income from wages and salaries?

IRS FORM 1040 LINE NUMBER: 7

WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME.

1. YES
5. NO --> SKIP TO X5703 (Q1351A2)

Q1353A1
X5702 In total, what was your (family's) annual income from
wages and salaries in 2008, before deductions for taxes and
anything else?

INCLUDE OVERTIME, BONUSES, AND TIPS.

IRS FORM 1040 LINE NUMBER: 7

Code amount

Q1351A2
X5703 Did you (or anyone else) have income or losses from a
sole proprietorship or a farm in 2008, before deductions
for taxes and anything else?

IRS FORM 1040 LINE NUMBER: 12,18
PROBE IF NECESSARY: DID YOU FILE EITHER A SCHEDULE C OR F?
WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME.

1. YES
5. NO --> SKIP TO X5705 (Q1351A3)

Q1353A2
X5704 In total, what was your (family's) net annual income from
a sole proprietorship or a farm in 2008, before deductions
for taxes and anything else?

IRS FORM 1040 LINE NUMBER: 12,18

Code amount
-1. Nothing

Q1351A3
X5705 Did you (or anyone else) have income from
non-taxable investments such as municipal bonds?

IRS FORM 1040 LINE NUMBER: 8b

WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME.

1. YES
5. NO --> SKIP TO X5707 (Q1351A4)

Q1353A3
X5706 In total, what was your (family's) annual income from
non-taxable investments such as municipal bonds in 2008,
before deductions for taxes and anything else?

IRS FORM 1040 LINE NUMBER: 8b

Code amount

Q1351A4
X5707 Did you (or anyone else) have any other interest income?

IRS FORM 1040 LINE NUMBER: 8a

WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME.

1. YES
5. NO --> SKIP TO X5709 (Q1351A5)

Q1353A4
X5708 In total, what was your (family's) annual income from
other interest in 2008, before deductions for taxes and
anything else?

IRS FORM 1040 LINE NUMBER: 8a

Code amount

Q1351A5
X5709 Did you (or anyone else) have income from dividends?

IRS FORM 1040 LINE NUMBER: 9a

WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME.

1. YES
5. NO --> SKIP TO X5711 (Q1351A6)

Q1353A5
X5710 In total, what was your (family's) annual income from
dividends in 2008, before deductions for taxes and
anything else?

IRS FORM 1040 LINE NUMBER: 9a

Code amount

Q1351A6
X5711 Did you (or anyone else) have income or losses from
net gains or losses from the sale of stocks, bonds, or real
estate?

IRS FORM 1040 LINE NUMBER: 13, 14

WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME.

1. YES
5. NO --> SKIP TO X5713 (Q1351A7)

Q1353A6
X5712 In total, what was your (family's) annual income from
net gains or losses from mutual funds or from the sale of
stocks, bonds, or real estate in 2008, before deductions
for taxes and anything else?

IRS FORM 1040 LINE NUMBER: 13, 14

Code amount
-1. Nothing

Q1351A7
X5713 Did you (or anyone else) have income from other businesses
or investments, net rent, trusts, or royalties?

IRS FORM 1040 LINE NUMBER: 17
PROBE IF NECESSARY: DID YOU FILE A SCHEDULE E?
WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME.

1. YES
5. NO --> SKIP TO X5715 (Q1351A8)

Q1353A7
X5714 In total, what was your (family's) annual income from
other businesses or investments, net rent, trusts, or royalties
in 2008, before deductions for taxes and anything else?

IRS FORM 1040 LINE NUMBER: 17

Code amount
-1. Nothing

Q1351A8
X5715 Did you (or anyone else) have income from unemployment or
worker's compensation?

IRS FORM 1040 LINE NUMBER: 19

WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME.

1. YES
5. NO --> SKIP TO X5717 (Q1351A9)

Q1353A8
X5716 In total, what was your (family's) annual income from
unemployment or worker's compensation in 2008, before
deductions for taxes and anything else?

IRS FORM 1040 LINE NUMBER: 19

Code amount

Q1351A9
X5717 Did you (or anyone else) have income from child support or
alimony which you or your family here received?

IRS FORM 1040 LINE NUMBER: 11

WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME.

1. YES
5. NO --> SKIP TO X5721 (Q1351A10)

Q1353A9
X5718 In total, what was your (family's) annual income from
child support or alimony which you or your family here
received in 2008, before deductions for taxes and anything
else?

IRS FORM 1040 LINE NUMBER: 11

Code amount

Q1351A10
X5721 Did you (or anyone else) have income from Social Security
or other pensions, annuities, or other disability or
retirement programs?

IRS FORM 1040 LINE NUMBER: 16a,20a

DO NOT INCLUDE SSI(SUPPLEMENTAL SECURITY INCOME): THIS IS
COVERED IN THE NEXT QUESTION.

WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME.

1. YES
5. NO --> SKIP TO X5719 (Q1351A11)

Q1353A10
X5722 (Including the retirement income you told me about, in/In)
total, what was your (family's) net income from
Social Security or other pensions, annuities, or other
disability or retirement programs in 2008, before
deductions for taxes and anything else?
(Please do not include withdrawals from IRAS, 401(k)s and
other such retirement accounts.)

IRS FORM 1040 LINE NUMBER: 16a,20a

Code amount

Q1351A11
X5719 Did you (or anyone else) have income from TANF, food
stamps, or other forms of welfare or assistance such as SSI?

WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME.

1. YES
5. NO --> SKIP TO X5723 (Q1351A12)

Q1353A11
X5720 In total, what was your (family's) annual income from
TANF, food stamps, or other forms of welfare or
assistance such as SSI in 2008, before deductions for
taxes and anything else?

Code amount

Q1351A12
X5723 Did you (or anyone else) have income from any other sources?

IRS FORM 1040 LINE NUMBERS: 10 AND 21
DO NOT INCLUDE PENSION ACCOUNT OR IRA WITHDRAWLAS REPORTED EARLIER.
WE WANT TOTAL INCOME FOR THE YEAR, NOT MONTHLY INCOME.

1. YES
5. NO --> SKIP TO X7361a (QT1)

Q1352A12
X5725 What other sources?

____________________________________________

Q1353A12
X5724 (Other than withdrawals from account-type pensions or IRAs
you told me about earlier in the interview, in/In) total,
what was your (family's) annual income from any other
sources in 2008, before deductions for taxes and anything
else?

IRS FORM 1040 LINE NUMBER: 21

Code amount

QT1
X7361a CHECKPOINT
NO VARIABLES IN EVEN NUMBERS X5702-X5724 (Q1353A1-A12) CONTAIN DK/REF/RANGE
OTHERWISE --> SKIP TO X5729 (Q1355)

Q1581
X7361 I would like to confirm that your (family's) total 2008
income from all

sources was {X5702+X5704+X5706+X5708+X5710+X5712+X5714+
X5716+X5718+X5720+X5722+X5724}.

IF X6557=1 OR X6461=1 THEN ASK:
THIS SHOULD BE TOTAL INCOME (LINE 22 OF FORM 1040) MINUS
WITHDRAWALS FROM AN IRA, KEOUGH OR PENSION ACCOUNT.

Is that correct?

ELSE ASK:
Is that correct?

1. YES --> SKIP TO X7650 (Q1357)
5. NO

Q1355
X5729 What would be the correct total?

How much was the total income you received in 2008 from all
sources, before taxes and other deductions were made?

How much was the total income you and your family living here
received in 2008 from all sources, before taxes and other
deductions were made?

IF R SAYS TOTAL IS ZERO, ASK WHETHER THERE WAS A LOSS OR IF
THE AMOUNT IS ACTUALLY ZERO.

Code amount
-1. Nothing

Q1357
X7650 Is this income unusually high or low compared to what you
would expect in a "normal" year, or is it normal?

1. High
2. Low
3. Normal --> SKIP TO X304 (QT2)

Q1358
X6765 Why is that?

____________________________________________

Q1359
X7362 About what would your total income have been if it had been
a normal year?

Code amount

QT2
X304 Over the past two years, did your total (family) income go
up more than prices, less than prices, or about the same as
prices?

"PRICES" SHOULD INCLUDE THE PRICES ON ALL THE THINGS R BUYS.

1. Up more
2. Up less
3. About the same

Q1362
X7364 Over the next year, do you expect your total (family) income
to go up more than prices, less than prices, or about the
same as prices?

1. Up more
2. Up less
3. About the same

Q1363
X7586 At this time, do you have a good idea of what your
(family's) income for next year will be?

1. YES
5. NO

Q1364
X7366 Do you usually have a good idea of what your (family's)
next year's income will be?

1. YES
5. NO

Q1365
X5731 During 2008, did you (or anyone in your family living here)
pay any alimony, separation payments, or child support?

1. YES
5. NO --> SKIP TO X5733 (Q1368)

Q1366
X5732 Altogether, how much alimony and/or child support did you
(and your family) pay in 2008?

Code amount

Q1368
X5733 During 2008, did you (or anyone in your family living here)
provide any (other) financial support for relatives or
friends who do not live here?

Please do not include alimony or child support.
INCLUDE SUBSTANTIAL GIFTS.

1. YES
5. NO --> SKIP TO SECTION Y

Q1369
X5734 How much support did you (and your family) pay?

Code amount

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
CHARITABLE CONTRIBUTIONS
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
**** Q1404
X5822 During 2008, did you make charitable contributions of money
or property totaling $500 or more?

During 2008, did you or anyone in your family living here
make charitable contributions of money or property totaling
$500 or more?

Please do not include political contributions.

DO NOT INCLUDE CONTRIBUTIONS OF TIME.

1. YES
5. NO

**** Q1405
X5823 Roughly, how much did (you/your family contribute?

SCHEDULE A, LINE 18

Code amount

**** Q1407
**** X7662 During 2008, did you volunteer an average of one hour or
more a week to any charitable organizations?

**** During 2008, did you or anyone in your family living here
volunteer an average of one hour or more a week to any
charitable organizations?

IF YES: Please do not include time volunteered for
political causes.

1. YES
5. NO

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
DEMOGRAPHIC CHARACTERISTICS
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
this section collects data for a spouse/partner of the 2007 R who was
not in the household in 2007
-----------------------------------------------------------------------------
Next I need to ask some questions about (your/your
[husband's/wife's/partner's]) education, and family
background.
Q1462
X6101 What is the highest grade of school or year of college (you/
[he/she]) completed?

RECORD THE HIGHEST LEVEL OF EDUCATION COMPLETED, NOT THE
TIME IT TOOK TO COMPLETE IT. DO NOT INCLUDE TRADE SCHOOLS
AS COLLEGE.

1. 1ST GRADE
2. 2ND GRADE
3. 3RD GRADE
4. 4TH GRADE
5. 5TH GRADE
6. 6TH GRADE
7. 7TH GRADE
8. 8TH GRADE
9. 9TH GRADE
10. 10TH GRADE
11. 11TH GRADE
12. 12TH GRADE
13. 1 YEAR OF COLLEGE --> SKIP TO X6104/Q1465
14. 2 YEARS OF COLLEGE --> SKIP TO X6104/Q1465
15. 3 YEARS OF COLLEGE --> SKIP TO X6104/Q1465
16. 4 YEARS OF COLLEGE --> SKIP TO X6104/Q1465
17. GRADUATE SCHOOL --> SKIP TO X6105/Q1466

Q1463
X6102 Did (you/he/she) either get a high school diploma or pass a
high school equivalency test?

PROBE: Was that a diploma, GED or other equivalency program?

1. YES, DIPLOMA
2. YES, GED OR OTHER EQUIVALENCY PROGRAM
5. NEITHER

Q1464
X6103 Since completing your formal education, have you had
on-the-job training or other vocational training lasting
100 hours or more?

Since completing (his/her) formal education, has (he/she)
had on-the-job training or other vocational training
lasting 100 hours or more?

1. YES
5. NO

SKIP TO X6106/Q1468

Q1465
X6104 Did you get a college degree?
Did (he/she) get a college degree?

DO NOT INCLUDE CERTIFICATES FROM TRADE SCHOOLS AS A COLLEGE
DEGREE.

1. YES
5. NO --> SKIP TO X6106/Q1468

Q1466
X6105 What is the highest degree (you/he/she) earned?

INTERVIEWER: WE WANT THE DEGREE, NOT A LICENSE

Code degree
1. Associate's; and other junior college degree
2. Bachelor's
3. MA/MS; and other master's except MBA
4. Ph.D; including post-doctorate
5. MD; DDS/DMD; Doctor of Osteopathy
6. Law; JD
9. MBA
-7. Other (SPECIFY)
Q1468
X6106 (Have you/Has [he/she]) ever been in the military service?

INCLUDE ONLY SERVICE IN U.S. MILITARY OR NATIONAL GUARD.

1. YES
5. NO

What is (your/his/her) date of birth?
Q1469
X6107 Code month
Q1460
X7382 Code day of month
Q1470
X6108 Code year (4 digits)

Q1651
X6109 How many living brothers and sisters (do you/does [he/she])
have?

DO NOT INCLUDE SISTERS-IN-LAW/BROTHERS-IN-LAW
INCLUDE ADOPTED SIBLINGS

Code number
-1. None --> SKIP TO X6120/Q1490

Q1652
X6110 How many of them are older than (you/him/her)?

Is he or she older than (you/him/her)?

Code number
-1. NONE OF THEM
-2. ALL OF THEM
Q1490
X6120 Now I'd like to ask about (your/his/her) parents.
Is your (husband's/wife's/partner's) mother still living?

1. YES
5. NO --> X6122/Q1492

Q1491
X6121 What is her age?

Code age

Q1492
X6122 Is your (husband's/wife's/partner's) father still living?

1. YES
5. NO --> SKIP TO X7395/Q1494

Q1493
X6123 What is his age?

Code age

Q1494
X7395 Now I'd like to ask you some questions about your health;
do you currently smoke?

Now I'd like to ask you some questions about your
(husband's/wife's/partner's) health; (do you/does your
[husband/wife/partner]) currently smoke?

1. YES
5. NO

Q1495
X6124 Would you say your (husband's/wife's/partner's) health is
excellent, good, fair, or poor?

1. Excellent
2. Good
3. Fair
4. Poor

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
HEALTH INSURANCE
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------

QY1 (For the next questions about health insurance, please
include the people in your household who have independent
finances./
For the next questions about health insurance, please
include the people in your household who have independent
finances, not just the ones we have been referring to as
"your family" as we have gone through the interview.)

HOUSEHOLD MEMBERS WITH INDEPENDENT FINANCES
RELATIONSHIP SEX AGE MARITAL

QY2
A. Are you (or anyone in your family living here[, including
household members with independent finances,]) covered by any
type of public or private health insurance?

1. YES
5. NO --> QZ1

****QY3M1-M8
B. What types of plans are these: Medicare, Medicaid, Tri-Care,
SCHIP, employer- or union-provided plans, a personal plan, or
some other type of public or private plans?

CODE ALL THAT APPLY
TREAT PRIVATE PLANS PAID FOR BY MEDICARE (MEDICAID) AS MEDICARE
(MEDICAID).

1. MEDICARE
3. MEDICAID OR STATE VARIANTS OF MEDICAID
5. TRI-CARE
6. SCHIP
10. EMPLOYER-PROVIDED
11. UNION-PROVIDED
15. PERSONAL PLAN
-7. OTHER (SPECIFY)

****QY4M1-M5
C. IF PLAN OTHER THAN MEDICARE, MEDICAID, TRI-CARE, SCHIP: How is
this insurance paid for -- by you, (your [spouse/partner]), by
an employer, by you and an employer, by a relative, or someone
else?

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

1. R/Family
2. Employer
3. Relative
10. FORMER EMPLOYER
-7. Other (specify)

QY5
D. IF PEUNUM+NPEUNUM>1: Is everyone in your household covered by
some type of health insurance?

1. YES --> QZ1
5. NO

****QY6M1-M5
E. IF PEUNUM+NPEUNUM>1 & D=NO: Who is NOT covered by health
insurance?

1. Respondent
2. Spouse/partner
3. Child(ren) under 18
4. Child(ren) 18 and Over
-7. Other (specify)
{see code at X6330/Q1530 in main questionnaire for the
conditions under which these codes should be displayed}

When Father (In-Law) and Mother (In-Law) are in the PEU/NPEU,
they need to show on the screen (was not working in 2007).

QY7
F. IF A=NO OR D=NO:
IN PERSON VERSION:
(SHOW CARD 13)
This is a list of reasons why some people don't have health
insurance. Which reason best describes why (you are not
covered/not everyone living here is covered)?

READ RESPONSES IF NECESSARY.

TELEPHONE VERSION:
Which of the following reasons best describes why (you
don't have/not everyone living here has) have health insurance:

1. It's too expensive, can't afford health insurance
2. Can't get health insurance because of poor health, age, or illness
3. Don't believe in health insurance
4. Not much sickness in the family - we haven't needed health insurance
5. Dissatisfied with previous insurance
6. Job layoff or job loss
-7. Some other reason (SPECIFY)______________________________

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
WRAPUP QUESTIONS
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------

QZ1 Over the past two years what have been the most important
positive events for your (family's) finances?

________________________________________________

QZ2 Over the past two years what have been the most important
negative events for your (family's) finances?

________________________________________________

QZ3 Over this time, have you (and your family) made decisions
to change the ways you arrange your money or investments?

1. YES
5. NO --> SKIP TO QZ5

QZ4 Generally, what were those decisions?

________________________________________

QZ5 As a result of the experiences of the past two years, do you
(and your family) expect to make (other) changes in the way
you arrange your money or investments in the future?

1. YES
5. NO --> SKIP TO QZ7

QZ6 Generally, what changes do you expect to make?

________________________________________

QZ7 What do you see as the biggest financial challenge facing
(you/your family) now?

________________________________________________

QZ8 Thank you for your time and cooperation. This is the end
of the structured interview. Did we missing anything that
you think is important for discribing your (family's)
finances and the changes since we last interviewed you?
IF YES: Please tell me more.

________________________________________________

Q793 Were any of the questions in the interview difficult for
you to answer?
IF YES: Which ones?

________________________________________________

Q795 Is there anything you would like to add to any of the
subjects we've discussed?

________________________________________________

INTERVIEWER: PLEASE THANK THE RESPONDENT!

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
INTERVIEWER REMARKS
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
NOTE: The data in this section were obtained from the interviewer
debriefing question, which was required for every completed
interview. This section is completed by the interviewer as soon as
possible after leaving the respondent.
-----------------------------------------------------------------------------
****ZZQ4
X6523 Please rate the physical condition of the interior of the HU:

1. EXCELLENT. WALLS AND CEILINGS HAVE NO CRACKS. PAINT OR
PANELLING IN GOOD CONDITION
2. GOOD. NEEDS SOME MINOR PAINTING OR REFINISHING.
3. FAIR. NEEDS MAJOR INTERIOR WORK. HOLES AND/OR CRACKS
NEED PATCHING. PAINTING NEEDED. ETC.
4. POOR. SOME WALLS OR CEILINGS NEED REPLACEMENT.
5. DON'T KNOW--WASN'T INSIDE HOUSE.

****ZZQ5
X6525 R's understanding of the questions was...

1. EXCELLENT
2. GOOD
3. FAIR
4. POOR

****ZZQ6
X6526 R's ability to express himself/herself was...

1. EXCELLENT
2. GOOD
3. FAIR
4. POOR

****ZZQ7
X6527 Was R suspicious about the study before the interview?

1. NO, NOT AT ALL SUSPICIOUS
2. YES, SOMEWHAT SUSPICIOUS
5. YES, VERY SUSPICIOUS

****ZZQ8
X6528 Was R suspicious about the study after the interview?

1. NO, NOT AT ALL SUSPICIOUS
2. YES, SOMEWHAT SUSPICIOUS
5. YES, VERY SUSPICIOUS

****ZZQ9
X6529 Overall, how great was R's interest in the interview?

1. VERY HIGH
2. ABOVE AVERAGE
3. AVERAGE
4. BELOW AVERAGE
5. VERY LOW

****ZZQ10M1-M6
Other persons present at the interview: (CODE ALL THAT APPLY)

X6530 1. CHILDREN UNDER AGE 6
X6531 2. CHILDREN 6 AND OVER
X6532 3. SPOUSE/PARTNER
X6533 4. OTHER RELATIVES
X6534 5. OTHER ADULTS
X6535 6. NO ONE

****ZZQ11
X6536 Did R refer to documents to answer questions?

1. FREQUENTLY
2. SOMETIMES
3. RARELY
4. NEVER

****ZZQ12M1-M6
Which documents did R refer to? (CODE ALL THAT APPLY)
X7451

1. INCOME TAX RETURNS
2. PENSION DOCUMENTS
3. ACCOUNT STATEMENTS
4. INVESTMENT/BUSINESS RECORDS
5. LOAN DOCUMENTS
6. OTHER (SPECIFY)

OTHER THAN INHERITANCES, DO YOU BELIEVE THAT THE RESPONDENT
REPORTED THE SAME ASSET OR DEBT MORE THAN ONCE IN THE
INTERVIEW?

WHICH ASSETS AND/OR DEBTS DO YOU THINK THE RESPONDENT
REPORTED MORE THAN ONCE?

DO YOU BELIEVE THAT ANY IMPORTANT ASSETS OR DEBTS WERE NOT
COLLECTED IN THE INTERVIEW?

WHICH ASSETS AND/OR DEBTS DO YOU THINK WERE NOT COLLECTED
IN THIS INTERVIEW?

DO YOU BELIEVE THERE ARE ANY IMPORTANT CONSISTENCY PROBLEMS
WITH THIS INTERVIEW?

WHAT DO YOU THINK ARE THE CONSISTENCY PROBLEMS WITH THIS
INTERVIEW?

SOME RESPONDENTS HAVE OCCASIONALLY BEEN CARELESS IN THEIR
USE OF THE RANGE CARD. DID THIS RESPONDENT REPORT ANY
RANGES FROM THE CARD THAT YOU THOUGHT WERE IN ERROR?

WHAT RANGES DO YOU THINK WERE REPORTED CARELESSLY?

VERY IMPORTANT! AFTER THE FIELD PERIOD, CASES ARE REVIEWED
INTENSIVELY FOR INCONSISTENCIES. IS THERE ANYTHING ELSE
ABOUT THIS CASE THAT YOU THINK MIGHT BE USEFUL IN
UNDERSTANDING ANY PROBLEMS WITH THIS CASE? IF THE CASE WAS
UNUSUAL, BUT THERE WERE NO OBVIOUS PROBLEMS, PLEASE ANSWER
YES HERE AND MAKE A NOTE ON THE NEXT SCREEN.

****ZZQ25
X6549 INTERVIEWER: DID R REQUEST A COPY OF THE "RESULTS" OF THE
SURVEY?

1. YES
2. NO

THANK YOU FOR YOUR WORK ON THIS CASE!