----------------------------------------------------------------------------- ----------------------------------------------------------------------------- SCREENER ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- AP SAMPLE ELIGIBILITY: ORDER OF PREFERENCE 1. The household of a 2007 respondent or spouse or partner of that person still living at the address associated with the 2007 interview. 2. The household of the 2007 respondent living at a different address in 2009. 3. The household of the spouse of partner of the 2007 respondent living at a different address in 2009. LS ELIGIBILITY: ORDER OF PREFERENCE 1. For a case with one name in the original contact information or an observation with two names that did not spawn a new case, the household of the 2007 respondent. 2. For a case with one name in the original contact information or an observation with two names that did not spawn a new case, the household of the spouse or partner of the 2007 respondent. 3. For a household that did spawn a new case, the first name in the original contact information. 4. For a household that did spawn a new case, the second name in the original contact information. SPECIFICIALLY INELIGIBLE: 1. 2007 R was not living with spouse/partner and R is deceased or permanently out of the country in 2009. 2. 2007 R was living with spouse/partner and R and S/P both either deceased or permanently out of the country 2009. PREFERRED ORDER OF PREFERENCE FOR 2009 R: 1. The 2007 SCF respondent (PREFERRED) 2. The spouse or partner of the 2007 SCF respondent at the time of the 2007 SCF interview 3. New spouse/partner of the original R ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- HHL: HOUSEHOLD LISTING ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ****Q1400 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 ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- SECTION A: EXPECTATIONS AND INFORMATION ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- 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) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- SECTION B: CREDIT ATTITUDES AND CREDIT CARDS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- 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 ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- PRINCIPAL RESIDENCE ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- PROGRAMMER INSTRUCTION: PRE-FILL DATA FROM 2007 SCF FARMERS FOR WHOM Q107=(OWNS ALL,RENTS/LEASES ALL,NEITHER OWNS NOR RENTS) MOBILE HOME RESIDENTS FOR WHOM Q134=(OWN BOTH HOME AND SITE, RENT BOTH, NEITHER OWN NOR RENT) OTHER FAMILIES FOR WHOM Q184=(OWNS OR IS BUYING/LANDCONTRACT, PAYS RENT, CONDO, CO-OP, TOWNHOUSE ASSOCIATION, NEITHER OWNS NOR RENTS) QD1 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 ----------------------------------------------------------------------------- R LIVES ON A FARM ----------------------------------------------------------------------------- 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 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, INCLUDEANY 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!