--------------------------------------------------------------------------------------------------------------------------------------------------------CODEBOOK FOR 1983-1989 PANEL SCF

--------------------------------------------------------------------------------------------------------------------------------------------------------Survey of Consumer Finances Board of Governors of the Federal Reserve System Mail Stop 153 Washington, DC 20551 --------------------------------------------------------------------------------------------------------------------------------------------------------To: From: Date: Users of the 1983-89 SCF Panel Data Arthur Kennickell, SCF Project Director March 5, 1996

--------------------------------------------------------------------------------------------------------------------------------------------------------NOTE: THIS DATASET IS NOT INTENDED TO REPRODUCE THE CROSS-SECTION RESULTS FROM THE 1983 OR 1989 SCF This codebook describes briefly the construction of the 1983-1989 SCF panel dataset. It also provides the authoritative descriptions of the variables in the dataset. For additional detail the user is referred to the codebooks for the 1983, 1986 and 1989 surveys and to Kennickell and McManus [1994] ("Multiple Imputation of the 1983 and 1989 Waves of the SCF"). The 1983 SCF was the first comprehensive wealth survey since the 1963 Survey of Financial Characteristics of Consumers and the 1964 reinterview which were conducted by Dorothy Projector at the Federal Reserve. In 1986 a very brief reinterview was conducted with the 1983 SCF respondents. The 1989 SCF has a complex sample design which provides both cross-section representation as well as information on a subset of the 1983 respondents. The 1983 SCF was based on a dual-frame design. One part was an area-probability sample, which was intended to provide good coverage of assets and liabilities that are broadly distributed in the population (such as cars, mortgages, etc.). The second part of the sample was a list of names developed from a sample of tax files maintained by the Statistics of Income Division of the Internal Revenue Service. The list sample was designed to improve the precision of estimates of assets and liabilities that are held more narrowly by relatively wealthy households. For more detail on the sample, see the 1983 cross-section codebook. In 1989, there was a need to collect cross-section information on household finances. In addition, there was a strong interest in following the behavior of the 1983 SCF respondents. A complex sample design was created to meet these objective and to control costs. The final sample design for the 1989 SCF falls into two large pieces, a completely new cross-section sample of 2000 completed cases and a group of 1803 cases from an overlapping panel/cross-section design. This second part of the sample consists of three major parts. First, there is a list sample developed in 1983 using tax records. Since the

cross-section representation of these cases is not known, they are counted only as panel cases. The remaining cases derive from a modification of an area-probability sample generated for the 1983 SCF. An interviewer was sent to a subsample of 1983 addresses, which is described more fully below. If the person living at that address was a respondent to the 1983 SCF or the spouse or partner of that person, an attempt was made to obtain an interview. If the person living there was a new person, an interview was attempted, and for a subsample the original respondent was also pursued. The new person had only cross-section representation and the 1983 respondent had only panel representation. In general, the sample followed both 1983 respondents and the spouses or partners of 1983 respondents in cases where the original couple had dissolved. A small supplemental sample was added to the panel/cross-section to compensate for new construction. For more detail, see the 1989 cross-section codebook and the Sample Design and Weighting Documentation (Heeringa, Connor & Woodburn, 1994). The cleaned and imputed versions of the entire 1983 and 1986 surveys have been released to the public. The public version of the 1986 SCF is cleaned and imputed using information for the first two waves of the survey. Previously only the cross-section part of the 1989 survey has been made available. The dataset accompanying this documentation includes all cases that were interviewed in 1989 that have either cross-section and panel representation or only panel representation. Of the 1479 cases in the panel dataset, 849 were included in the cross-section data release (these are households in the area-probability sample that did not move from their 1983 residence). In the 1989 survey, the questionnaires for the panel and cross-section cases differed mainly in two areas. Unlike the cross-section questionnaire, the panel questionnaire assumed the availability of information reported earlier on marital history and work history. Data from the earlier surveys were used to construct variables for the panel cases that are comparable to those available directly for the cross-section cases. Thus, the panel cases contain original or recoded information corresponding to all of the variables described in the codebook for the 1989 cross-section, a version of which is included as Section V of this codebook. Not all variables in the codebook are available on the public use dataset. The definitive list of the variables included in the public dataset is given at the end of this codebook. The editing and imputation of panel data raises many problems (Kennickell and McManus 1994). There is an immense amount of information in the 1983, 1986 and 1989 surveys that could be checked for inconsistencies and imputed for missing information. There are several thousand variables available in each survey. In principle, all of these variables form a joint distribution to be edited and imputed simultaneously. While the editing task is very complicated, the imputation task is much more formidable. A respondent may have very complicated patterns of missing data over time. All missing data should, in principle, be imputed conditioning on information available regardless of the year of the survey. Thus, one should reimpute earlier data to account for any new information. To reduce the problems of processing the 1983-1989 panel data to a managable level, a decision was made to limit the problem in significant ways. First, the 1986 SCF is treated only as a source of limited information for the construction of the cross-section variables mentioned above and for some very limited editing. No other

information from the 1986 SCF is used in the construction of the 1983-1989 panel file and 1986 variables were not used to condition either the 1983 or 1989 imputations. Thus, USERS ARE ADVISED NOT TO USE THE IMPUTED DATA IN THIS FILE TOGETHER WITH IMPUTED 1986 DATA WITHOUT DETAILED CONSIDERATION. Second, to reduce the scale of the editing and imputation problem further, a summary version of the 1983 SCF was created to serve as a basis for editing and imputation. Most of the variables described in the first three sections of this codebook are summary variables created from the 1983 dataset. Finally, retrospective data collected in the 1989 panel questionnaire on changes between 1983 and 1989 are generally not cleaned or imputed. Our analysis indicates that these variables provide an unusably noisy picture of change (see Kennickell and Starr-McCluer 1995). This weakness in the data is not surprising given the length of the period over which respondents were asked to recall information. For cleaning and imputation, it is critical that we know what items were reported by respondents and what items have missing values. In the 1989 and later SCFs, shadow variables ("J-variables") are available for all data values indicating whether the value in the final dataset is one given by a respondent, whether it was imputed using range information provided by a respondent, whether it was originally missing altogether, and other situations. Unfortunately, such information is not available for the 1983 SCF. Moreover, the raw and the cleaned and imputed datasets are contained in different files with different forms of organization. Often changes were made in the cleaned file based on additional information from the respondents or from further editing of the paper questionnaires. In addition, data were rearranged in the cleaned file to make the reported data correspond more closely to a desired analytical arrangement. Very few of these changes appear to heve been incorporated in the raw data. To complete the processing of the panel in a reasonable time, it was necessary to develop some rules to describe the original status of the 1989 data. These rules embody some compromises. A pair of shadow variables was constructed for most 1983 summary variables--a J-variable comparable to those for the 1989 and later surveys (see below for the definitions of the legal codes), and for money variables, a variable that indicates what part of the variable was originally provided by the respondent ("K-variable"). If the raw data item (or items) most directly underlying a variable in the cleaned dataset contained a missing value code and it could not be determined within a simple set of alternatives that the original data had been moved to or from another location, the 1983 summary variable was assigned a J-variable code indicating that the data were originally missing. If it could be determined that some part of the original data had been given by the respondent, this amount was included in the K-variables. If the underlying data item was the same as a related variable in the imputed dataset, the information was taken to have been reported by the respondent, the J-variable was given a code to indicate this fact and the K-variable was assigned the same value as the variable in the imputed dataset. In the event that an item in the imputed dataset could not be linked to either a missing value or a reported item in the raw dataset, it was assumed that the data derived from editing or retrieval activities performed after the creation of the raw dataset and the information was treated as if it had been reported by the respondent. There is some unknown degree of error in this series of assumptions used to determine the original status of the data. Missing values in the data were multiply-imputed (three times)

using a modified version of the software designed to impute the 1989 cross-section data, and additional software created specifically to impute the 1983 summary data. Two facts are particulatly important to note. First, the multiple imputations are stored as separate replicates ("implicates") of each record. Thus, the public dataset contains 4,437 observations. Because muiltiple imputation seeks to proxy the *distribution* of the missing information, there is no "correct" implicate to use. Users are advised to use all three implicates, but to beware (particularly in regressions) that the degrees of freedom in their calculations will often be spuriously inflated by standard computer packages unless users take appropriate action (see Donald Rubin, *Multiple Imputation*, Wiley). Second, users should note that the imputed values in this dataset may differ from those in the public versions of the 1983 and 1989 datasets. The 1983 cases and the 1989 panel cases with cross-section representation in 1989 were imputed using only cross-section information. The imputations in this panel dataset are conditioned on information from both the 1983 and 1989 surveys. The imputations we provide are the result of an intensive effort that frequently employs information that would not be available to outside users. However, because the imputations in the dataset are flagged, users are free to perform their own imputations or to devise other treatments for the missing data. Users may also wish to treat the limited 1983 imputations provided as a core for their own imputations of additional 1983 variables. IT IS VERY IMPORTANT TO NOTE that statistics computed using the panel file may differ from estimates made using either the full 1983 cross-section or the full 1989 cross-section. These differences may be attributable to sampling error and our limited ability to make corrections for nonresponse. It is also important to note the nature of the population included in the panel. Obviously, everyone must have been a respondent in 1983. Thus, immigrants since that time are included only if they became a part of an existing sample family. Another important group missing from the panel is most families with heads under the age of 28 in 1989. Those heads of households would have been under the age of 22 in 1983. Because of the fraction of people in their late teens and early 20s who are attending college, in the military, or living with their family, it is very unlikely that the sample of independent young people observed in 1983 is at all representative of householders in 1989. For this reason, the design of the sample excludes households with heads under the age of 22 in 1983. A small number of such households appear in the panel sample because the sample design followed both halves of couples that separated since 1983. To protect the confidentiality of information provided by respondents, we have systematically altered the information in the public use file according to rules developed jointly by the SCF staff at the FRB, SOI, and SRC. The general outline of the procedure is as follows. All dollar figures were rounded using the the SAS code provided at the end of this introduction. For some categorical variables, cells were collapsed--in particular, three-digit occupation codes have been reduced to one digit. Many other unspecified alterations of the data were made, and these changes cannot be determined from any publicly-available information. This class of changes is specifically designed to generate very little distortion of the statistical properties of the data overall while substantially reducing the probability that the data for any given case represents an identifiable individual in the population.

Two analysis weights are available for the panel: WGT0195 and WGT0296. WGT0195 is based on the FRB full sample weight for the 1983 cross section data (B3016). The weight is adjusted separately for list and area cases using the adjustments computed by University of Michigan's Survey Research Center (see Sample Design and Weighting Documentation, Heeringa et. al.,1994). For the list cases, a nonresponse adjustment is computed by 1983 income half-quantiles (i.e. the 12.5, 25.0, 37.5, 50.0, ... percentiles). These adjustments range from 1.14 to 1.330. For the area probability cases, there are subsampling adjustments for the subselection by age and PSU, as well as a nonresponse adjustment. The PSU selection factors range from 1 to 2, the age adjustment factor ranges from 1 to 4 and the nonresponse adjustment ranges from 1.17 to 2.89. In creating the merged sample analysis weights, the weights resulting from this procedure were trimmed at the 95th percentile in cross categories of 1983 net worth vs 1989 net worth and the cell frequencies were then adjusted to the original weighted frequencies. The weight total was adjusted to the 1983 total of households with the age of the household head > 22 which is 81,425,929, as estimated using the 1983 SCF cross sectional data. WGT0296 is a refined version of WGT0195 developed for the purpose of estimating changes in wealth between 1983 and 1989. For this purpose, WGT0195 was subjected to a series of post-statification (age and homeownership categories) and a three-stage raking (using net worth categories for comparable age groups in the 1983 and 1989 SCF cross-sections) designed to provide better estimates of saving. We use this weight for all calculations of changes in wealth in the panel sample. A discussion of the WGT0296 weight is given in Kennickell and Woodburn 1996. The main data values are stored using variable names corresponding to the numbers given in the codebook below and having a prefix of "X." The corresponding K-variables (only for dollar values in the 1983 recode variables) and J-variables described above are addressed using the same numbers, but with a prefix of "K" or "J" respectively. Legal values for the J-variables for variables recoded from 1983 data are: 0 1 = value reported on original tape (includes values reported in the questionnaire that were alered during editing). = question is inapplicable (e.g., R has no checking account so value of checking account is coded as zero -- NOTE: zero is a legitimate value for X-variables only for this value of the associated J-variable).

46 = less that 30 percent of the original 1983 imputed value was imputed. 50 = original response was DK. 51 = original response was NA (includes refusals, interviewer errors, and missing data resulting from editing decisions). Does not include data missing as a result of missing higer-order questions. 52 = original response missing as a result of missing information for a higher-order question (typically a YES/NO cut question). In this case, the higher-order question has been imputed in such a way as to render response appropriate. 71 = more than 30 percent of the 1983 imputed value was imputed.

Legal J-variable values for 1989 variables are given in Section V below. The user will notice that we do not provide the sort of summary variables that were given in the codebook for the 1983 SCF. It is our strong belief that users should consider carefully the variables that underlie summary concepts, such as "financial assets." Guidance to what we consider to be appropriate definitions for our purposes is usually given in our published analysis (e.g., see Kennickell and Starr-McCluer in the Federal Reserve Bulletin for October 1994). Data for the survey were collected by the Survey Research Center at the University of Michigan. Officers for the project at SRC were Richard T. Curtin (1983 and 1986 SCF) and F. Thomas Juster (1989 SCF). Others at SRC making particularly valuable contributions to the panel survey include Stephen Heeringa, Dorothy Kempter, and Joan Schleffer. Fritz Scheuren, former director of Statistics of Income at the IRS provided unending intellectual and other support for the project, and without his participation it is certain that we would not have been as successful. Louise Woodburn, Barry Johnson, Tom Petska and Bill Wong at SOI have contributed in a major way to sampling and data processing. Major funding for the 1989 reinterview survey was provided by the Federal Reserve and the National Institute on Aging. Particular thanks are due to Richard Suzman at NIA for his support and encouragement. Additional funding was provided by the Department of Health and Human Services, the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the General Accounting Office, and the Joint Committee on Taxation. Thanks to the Board of Governors and the official staff at the Federal Reserve, particularly James Kichline, Michael Prell, Edward Ettin, Myron Kwast, and Barbara Lowrey. Research assistance for the SCF at the Federal Reserve has been provided by Aliki Antonatas, Phoebe Roaf, Daniel Kelley, Kurt Strovink, Alex Wright, Robert Denk, James Faulkner, and Todd King. Other SCF staff at the Federal Reserve have included Robert Avery, Gregory Elliehausen, Gerhard Fries, Arthur Kennickell, Douglas McManus, Janice Shack-Marquez, and Martha Starr-McCluer. Although we have devoted considerable time to searching for inconsistencies in the data, some of these problems seem to have no obvious reconcilliation. Thus, seeming conflicts may remain. Other types of inconsistencies may have been induced during imputation, in spite of the elaborate checks that are built into the imputation routines. We ask our colleagues who use this dataset to help us find the remaining irritating inconsistencies. It is likely that some users will have trouble dealing with the data at first. If after having framed a focused question and exhausted all of your local resources your problem persists, you may call Gerhard Fries at ((202) 452-2578 or e-mail m1gxf00@frb.gov) or me ((202)-452-2247 or e-mail m1abk00@frb.gov)). We prefer correspondence via e-mail. While we would like to be helpful to you, please realize that we have very limited resources to devote to user services. We hope that by persistence, you will almost always be able to figure out what you need by consulting the questionnaire (available separately) and the codebook below. -----------------------------------------------------------------------------

SAS CODE for rounding of dollar amounts for public use dataset ARRAY AMT {*} X412-X414 X420 X421 X423 X424 X426 X427 X429 X430 X505 X510 X512 X513 X518 X521 X525 X526 X602 X604 X607 X612 X614 X617 X619 X623 X627 X631 X635 X703 X708 X716 X717 X721 X804 X805 X808 X812 X813 X904 X905 X908 X912 X913 X1004 X1005 X1008 X1012 X1013 X1035 X1039 X1040 X1044 X1104 X1108 X1109 X1115 X1119 X1120 X1126 X1130 X1131 X1136 X1202 X1206 X1210 X1211 X1215 X1219 X1220 X1224 X1302 X1405 X1408-X1410 X1415 X1417 X1505 X1508-X1510 X1515 X1517 X1605 X1608-X1610 X1615 X1617 X1619 X1621 X1706 X1709 X1714 X1715 X1718 X1722 X1723 X1730 X1806 X1809 X1814 X1815 X1818 X1822 X1823 X1830 X1906 X1909 X1914 X1915 X1918 X1922 X1923 X1930 X2002 X2003 X2006 X2007 X2010 X2012 X2013 X2016 X2017 X2020 X2105 X2112 X2117 X2209 X2213 X2214 X2218 X2309 X2313 X2314 X2318 X2409 X2413 X2414 X2418 X2422 X2424 X2425 X2506 X2510 X2514 X2515 X2519 X2606 X2610 X2614 X2615 X2619 X2623 X2625 X2626 X2714 X2718 X2719 X2723 X2731 X2735 X2736 X2740 X2814 X2818 X2819 X2823 X2831 X2835 X2836 X2840 X2914 X2918 X2919 X2923 X2931 X2935 X2936 X2940 X3121 X3124 X3126 X3129-X3133 X3221 X3224 X3226 X3229-X3233 X3321 X3324 X3326 X3329-X3333 X3335-X3337 X3408-X3410 X3412-X3414 X3416-X3418 X3420-X3422 X3424-X3426 X3428-X3430 X3506 X3510 X3514 X3518 X3522 X3526 X3529 X3610 X3620 X3630 X3706 X3711 X3716 X3718 X3721 X3804 X3807 X3810 X3813 X3816 X3818 X3822 X3824 X3826 X3828 X3830 X3833 X3835 X3902 X3906 X3908 X3910 X3912 X3915 X3918 X3920 X3922 X3930 X3932 X3939 X3942 X4003 X4005 X4006 X4010 X4011 X4014 X4018 X4022 X4026 X4030 X4032 X4112 X4131 X4204 X4207 X4210 X4214 X4220 X4224 X4226 X4229 X4304 X4307 X4310 X4314 X4320 X4324 X4326 X4329 X4404 X4407 X4410 X4414 X4420 X4424 X4426 X4429 X4436 X4509 X4520 X4532 X4540 X4605 X4613 X5306 X5311 X5318 X5326 X5334 X5418 X5426 X5434 X5504 X5507 X5510 X5513 X5516 X5604 X5608 X5612 X5616 X5620 X5624 X5628 X5632 X5636 X5640 X5644 X5648 X5702 X5704 X5706 X5708 X5710 X5712 X5714 X5716 X5718 X5720 X5722 X5724 X5726 X5729 X5732 X5734 X5751 X5804 X5809 X5814 X5818 X5821 X5823 X5926 X5928 X6403 X6415 X6418 X6421 X6432 X6436 X6437 X6439 X4712 X4731 X4804 X4807 X4810 X4814 X4820 X4824 X4826 X4829 X4904 X4907 X4910 X4914 X4920 X4924 X4926 X4929 X5004 X5007 X5010 X5014 X5020 X5024 X5026 X5029 X5036 X5109 X5120 X5132 X5140 X5205 X5213 X8163 X8164 X8166 X8167 X8168 X50002 X50012 X50022 X50032 X50061 X50004 X50014 X50024 X50034 X50064 X50006 X50016 X50026 X50036 X50067 X50008 X50018 X50028 X50053 X50069 X50010 X50020 X50030 X50055 X50072

X50073 X50080 X50087 X50095 X50232 X50263 X50273 X50283 K50002 K50012 K50022 K50032 K50061 K50073 K50080 K50087 K50095 K50232 K50263 K50273 K50283 X24103 X26008 X26029 X26048 X26114 X26152 X26216 X26317 X26433 X26426 X26347

X50075 X50082 X50089 X50097 X50248 X50265 X50275 X50286 K50004 K50014 K50024 K50034 K50064 K50075 K50082 K50089 K50097 K50248 K50265 K50275 K50286 X24703 X26012 X26032 X26105 X26143 X26126 X26218 X26334 X26323 X26459 X26419

X50076 X50083 X50091 X50100 X50251 X50267 X50277 K50006 K50016 K50026 K50036 K50067 K50076 K50083 K50091 K50100 K50251 K50267 K50277 X25852 X26015 X26034 X26134 X26117 X26155 X26220 X26404 X26342 X26327 X26447

X50078 X50084 X50092 X50228 X50252 X50269 X50279 K50008 K50018 K50028 K50053 K50069 K50078 K50084 K50092 K50228 K50252 K50269 K50279 X25854 X26017 X26036 X26108 X26146 X26202 X26222 X26432 X26424 X26346 X26412

X50079 X50086 X50094 X50231 X50261 X50271 X50281 K50010 K50020 K50030 K50055 K50072 K50079 K50086 K50094 K50231 K50261 K50271 K50281 X25859 X25861 X26023 X26025 X26041 X26045 X26137 X26111 X26120 X26149 X26203 X26206 X26224 X26228 X26318 X26335 X26457 X26325 X26418 X26446 X26414; X26005 X26027 X26046 X26140 X26123 X26207 X26232 X26405 X26344 X26328

DO I = 1 TO DIM(AMT); IF (0 < AMT{I} < 5) THEN AMT{I}=1; IF (5 <= (AMT{I}) < 1000) THEN DO; AMT{I}=MAX(1,ROUND(AMT{I},10)); END; IF (1000 <= AMT{I} < 10000) THEN DO; AMT{I}=ROUND(AMT{I},100); END; IF (10000 <= AMT{I} < 100000) THEN DO; AMT{I}=ROUND(AMT{I},1000); END; IF (100000 <= AMT{I} < 1000000) THEN DO; AMT{I}=ROUND(AMT{I},10000); END; IF (1000000 <= AMT{I}) THEN DO; AMT{I}=ROUND(AMT{I},100000); END; IF AMT{I} > 25000000 THEN AMT{I}=25000000; IF (-1000 < (AMT{I}) <= - 5) THEN DO; AMT{I}=ROUND(AMT{I},10); END; IF (-10000 < AMT{I} <= -1000) THEN DO;

AMT{I}=ROUND(AMT{I},100); END; IF (-100000 < AMT{I} <= -10000) THEN DO; AMT{I}=ROUND(AMT{I},1000); END; IF (-1000000 < AMT{I} <= -100000) THEN DO; AMT{I}=ROUND(AMT{I},10000); END; IF .Z < AMT{I} <= -1000000 THEN AMT{I}=-1000000; END; ***************************************************************************** ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------TABLE OF CONTENTS ----------------I. 1989 control file variables relevant only to the panel II. III. Additional 1989 household listing variables for panel 1989 variables collected only for the panel (including Section V) Employment Work History 1986-87 Income Marital Status Demographics IV. 1983 recodes variables Attitudes Toward Credit/Credit Cards Housing Land Contracts Other Properties Additions and Repairs Vehicles HH Durables and Other Debt Other Loans Savings Attitudes Business Assets Financial Assets Employment Income V. VI. 1989 variables Editing instructions

***************************************************************************** IMPORTANT NOTE: not all variables listed below appear in the public use dataset -- see list of included variables near the end of this file. *****************************************************************************

I. 1989 CONTROL FILE VARIABLES RELEVANT ONLY TO THE PANEL ---------------------------------------------------------8000 R: Respondent and spouse variables reversed to male and spouse/partner in all subsequent occurences in dataset (data rearranged except when male not living at sampled address). Also, all response categories altered to reflect this change. 1. REVERSED 5. NOT REVERSED 40001 40002 1989 ID number Respondent type 1 Original Panel Member 2 '86 Splitoff 3 '89 Splitoff 0 Cross-Section Only '83 PSU number '83 SEGMENT number '83 LINE number Field Area Code COVERSHEET COLOR 1 Green (define..... 2 Yellow ( 3 Pink ( 4 White ( STRATA 01 1983 Area Sample R Age 22-44 02 1983 Area Sample R Age 45+ 03 1983 Area Sample R Less than 22 years - Not Panel 04 1983 Area Sample R - Not Panel due to Item MData 05 1983 Area Sample Refusal 06 1983 Area Sample NonInterview 07 1983 Area Sample NonSample 08 1983 High Income Sample Age 22-44 09 1983 High Income Sample Age 45+ 11 1986 Splitoff 00 1989 Cross-Section only SEGMENT SUBSAMPLE 0 Area Sample: Not in Segment Subsample 1 Area Sample: Included in Segment Subsample 9 High Income Sample SAMPLE TYPE 1 List Sample (Panel Only) 2 Area Sample (Potential Panel/Cross-Section) 3 Area Sample (Cross-Section Only) '86 MOVE CODE 1 Yes, moved 5 No, didn't move 0 Not interviewed in '86 TRACKING CODE 1 Track Respondent only 2 Track Respondent and '83 Spouse 3 Do not track 4 Cross-Section Only 5 See Tracking Memo (Special instructions for selected

40003 40004 40005 40006 40007

40008

40009

40010

40011

40012

40013 40014 40015 40016 40017

40018 40019

40021 40022 40023 40024 40025 40026 40027 40028 40029 40030 40031

40032

40033 40034 40035 40036

splitoff pairs) different housing units CASE ID RESULT CODE CASE ID RESULT CODE MARITAL STATUS 1 Married in '83; no spouse in '86 2 Not married in '83; married in '86 3 Married in both '83 and '86 - same spouse 4 Married in both '83 and '86 - different spouse 5 Not married in either '83 or '86 6 Married in '83; not interviewed in '86 7 Not married in '83; not interviewed in '86 9 NA 0 Cross-Section Only SPLIT-OFF INDICATOR 0 Only R in sample 1 R and '83 spouse in sample independently INITIAL INTERVIEW MODE INDICATOR 1 Face-to-face 2 Telephone 0 Cross-Section Only INITIAL INTERVIEWER IINTERVIEWER OF RECORD REFUSAL CONVERSION INDICATOR OTHER INTERVIEWER (involved in RC situation) VERIFICATION INDICATOR PROBLEM CODE INTERVIEWER TO WHOM PROBLEM SENT DATE PROBLEM SENT PROBLEM RESOLUTION INDICATOR DATE RESOLUTION RETURNED '89 CASE# 2001 Cross-section only Interview series start 3001 Panel/Cross-section Interview series start 4001 Panel only Interview series start 5001 Cross-section only NonInterview series start 6001 Panel/Cross-section NonInterview series start 7001 Panel only NonInterview series start 8001 Cross-section only NonSample series start 9001 Panel/Cross-section NonSample series start 9501 Panel only NonSample series start SAMPLE GROUP Sample Group 1 Cross-section only (at '83 sample address but not '83 R or spouse) 2 Panel/Cross-section ('83 R or spouse still at '83 sample address) 3 Panel Only ('83 R or spouse not at '83 sample address) RECEIPT DATE RECEIPT MONTH 99 NA RECEIPT DAY 99 NA INTERVIEWER INTERVIEW NUMBER 999 NA 000 INAP., not an interview '83 '83 '86 '86 '86

40037 40038 40039

40040 40041 40042 40043 40044 40045

40046

40047

40048

40049 40050

40051

INTERVIEW LENGTH (in minutes) 999 NA 000 INAP., not an interview EDIT LENGTH (in minutes) 999 NA 000 INAP., not an interview PERSUASION LETTER REQUIRED? 1 Yes 5 No 9NA TOTAL CALLS (call # of final call) 99 NA DATE OF FINAL RESULT MONTH OF FINAL RESULT 99 NA DAY OF FINAL RESULT 99 NA '89 FINAL RESULT CODE INTERVIEW MODE 1 Face-to-face 2 Telephone 9 NA 0 INAP., not an interview DOES R LIVE AT HU? 1 Yes 5 No 9 NA 0 INAP., white (cross only)/pink (split-off) coversheet DOES R'S SPOUSE LIVE AT HU? 1 Yes 5 No 9 NA 0 INAP., white (cross only)/pink (split-off) coversheet; R not married in '83 CURRENTLY LIVING AT '83 SAMPLE ADDRESS? 1 Yes, R living at '83 sample address 2 Yes, '83 spouse only living at '83 sample address 3 Yes, current resident living at '83 sample address (not R or '83 spouse) 5 No, HU not '83 sample address 9 NA 0 INAP., white (cross only)/pink (split-off) coversheet NUMBER OF ADDITIONAL HU'S AT '83 SAMPLE ADDRESS 9 NA 0 INAP., not a cross-section only coversheet HAS '83 SPOUSE SPLITOFF SINCE LAST INTERVIEW? 1 Yes 5 No 9 NA 0 INAP., cross-section only; not married in '83; splitoff prior to '86 iw. ADDITIONAL HU GENERATION SOURCE 1 Green Panel/Cross-section coversheet (mover from '83 sample address - determined by iwer). 2 An HU structure added to Listing Sheet and selected for this study. 3 An added HU found at a listed and selected line. 4 Green Panel/Cross-section coversheet (mover from

40070 40071 40072 40073 40074 40075 40076

'83 sample address - determined prior to field period; panel R put on yellow coversheet and cross-section coversheet labeled. 0 INAP., not an additional cross-section coversheet LOG DATE TRANSFERS TRANSFER IWER TRANSFER RESULT TRANSFER REPORT TRANSFER DATE TRANSFER LOG DATE

40089 CASETYPE X40084 if X40084 > 0 (89 SOI) 20 if X40010 = 1 (83 SOI) 30 if XX1 > 3000 and X40010 ne 1 40 otherwise (89 AREA PROB) WGT0195 WGT0296

(PANEL AREA PROB)

This variable is the nonresponse-adjusted weight for the 1983-89 panel. (see description in introduction.) This variable is the WGT0195 after adjustment by a 2-stage post-stratification (age and homeownership categories) and a three-level raking (using net worth categories for comparable age groups in the 1983 and 1989 SCF cross-sections). (see description in introduction.) We have used this weight for all our tabulations of changes in the panel.

II. 27201

ADDITIONAL 1989 HOUSEHOLD LISTING VARIABLES FOR PANEL VARIABLES IN THIS SECTION ARE NOT IMPUTED OR COMPLETELY CLEANED! HHL1. Would you please tell me your current marital status--are you married, living with a partner, separated, divorced, widowed, or have you never been married? 1. 2. 3. 4. 5. 6. MARRIED PARTNER SEPARATED DIVORCED WIDOWED NEVER MARRIED

27202

HHL2.

Are you (married to/living with) the same person that you were when we interviewed you on (DATE OF '83 INTERVIEW), (married to/living with) a different person, or were you not (married to/living with) anyone at that time? 1. 2. 3. 0. SAME DIFFERENT NOT MARRIED Inap.

27203

HHL3.

Were you married when we interviewed you on (DATE OF '83 INTERVIEW)?

1. 5. 0. 27204

YES NO Inap.

HHL8h.Total number of family members who moved out since last IW Code actual NUMBER

27205

HHL13h. Total number of family members who moved in since last IW Code actual NUMBER

27206

HHLx.

History of 1989 R Code 1st number precoded at bottom of HHL sheet 01. 02. 03. 04. 05. Respondent in '83, '86 and '89 Respondent in '83, '89; no interview in '86 Spouse in '83; split-off R in '86; R in '89 Spouse in '83; no interview in '86; split-off R in '89 Spouse in '83, '86; split-off R in '89

R/S Reversals - Deaths/Institutionalization of R (For Supervisor's Use Only) ** 10. Spouse in ** 11. * Spouse in ** 12. * Spouse in 13. R in '83; '83; no interview in '86; R in '89 '83, '86; R in '89 '83; R in '86, '89 Spouse in '86; R in '89

** 20. * Not in HH in '83; Spouse in '86; R in '89 99. NA Done in editing

** '89 R/S data needs switching; * '86 R/S data needs switching 27207 HHLy. History of 1989 Spouse

Code 2nd number precoded at bottom of HHL sheet 00. 01. 02. 03. 04. 05. 06. 07. No spouse in '83, '86, '89 Same spouse in '83, '86, '89 Spouse present in '83; no interview in '86; same spouse in '89 Spouse present in '83; no interview in '86; new spouse in '89 Spouse present in '83; new spouse in '86, '89 Spouse present in '83; new spouse #1 in '86; new spouse #2 in '89 No spouse in '83; new spouse in '86, '89 No spouse in '83; new spouse #1 in '86; new spouse

08. 09. 10. 11. 12. 13. 14. 15. 16. 17. 19.

#2 in '89 No spouse in '83, '86; new spouse in '89 No spouse in '83; no interview in '86; new spouse in '89 Spouse present in '83, '86; no spouse in '89 Spouse present in '83; no interview in '86; no spouse in '89 No spouse in '83; no interview in '86; no spouse in '89 Spouse present in '83; no spouse in '86, '89 No spouse in '83; new spouse in '86; no spouse in '89 Spouse present in '83; no spouse in '86; new spouse in '89 Spouse present in '83, '86; new spouse in '89 Spouse present in '83; new spouse in '86; no spouse in '89 Other situation not described in 01-16

Split-off R in 1986 50. No spouse in '86, '89 51. Same spouse in '86, '89 52. Spouse present in '86; new spouse in '89 53. No spouse in '86; new spouse in '89 54. Spouse present in '86; no spouse in '89 Split-off R in 1989 60. No interview in '86; no spouse in '89 61. No interview in '86; split-off spouse in '89 62. No spouse in '89 63. Split-off spouse in '89 R/S Reversals 70. '83 spouse is '89 R while '89 spouse is '83 R; no interview in '86 71. '83, '86 spouse is '89 R while '89 spouse is '83 R 72. '83 spouse is '89 R because '83 R died; no spouse in '86, '89 73. Same spouse in '83, '89 but '83 R was '86 spouse 74. '83 spouse is '89 R because '83 R died; no interview in '86; no spouse in '89 75. '83 spouse was also spouse in '86; then '83 R died/institutionalized and '83 spouse correctly became '89 R; no spouse or absent spouse in '89 76. '83 spouse taken as R in '86; then '83 R died and '83 spouse remained '89 R; no spouse in '89 77. No spouse in '83; new spouse in '86; '86 spouse taken as '89 R 78. '83 spouse is '86 R and '89 R, while '83 R is '86 and '89 spouse 79. 99. 27208 HHLz. Other situation not described in 50-75 NA

Extent of problems in HHL data Code 3rd number precoded at bottom of HHL sheet

00. 01. 02. 03. 04. 05. 06. 07. 08. 09. 10. 11. 12. 20. 21. 22. 23. 30. 31. 32. 40. 41. 42. 50. 51. 90. 91. 96. 97. 99.

No problems noted; all listings are accurate and consistent. No corrections to the data. Corrections to '83 ages only Corrections to '86 ages only Corrections to both '83 and '86 ages Birthdate(s) changed in '89 HHL to be consistent with age Birthdate(s) changed on '83 data listing to be consistent with age Sex of child(ren)/grandchild(ren) changed on '83 data listing Sex of child(ren)/grandchild(ren) changed on '86 data listing Sex changes to R/S in '83 listing (see Supervisor before using) Sex changes to R/S in '86 listing (see Supervisor before using) Corrections to '89 "Movers in" Corrections to '89 "Movers out" Corrections to both "Movers in" and "Movers out" People missing on '89 pre-printed listing; were there but not coded in '83; added to '83 and '89 listing People missing on '89 pre-printed listing; were there but not coded in '86; added to '86 and '89 listing People removed from '86 and '89 listing (R did not live with them) People removed from '83 listing Corrections in '83 list Corrections in '86 list Corrections in both '83 to relationship codes (other than R/S) to relationship codes (other than R/S) to relationship codes (other than R/S) and '86 list

R/S reversed on '83 listing R/S reversed on '86 listing R/S reversed on both '83 and '86 listing "Spouse" changed to "partner" (or vice versa) in '83 "Spouse" changed to "partner" (or vice versa) in '86 Both age and sex changes made to '83 data listing Both age and sex changes made to '86 data listing No listing sheet found--made up by edit supervisor Other NA

27209

SUMMARY:

# persons in Household Listing (includes movers out)

Code total # of persons in HHL HHL4. When we last spoke with you in 1983 we listed the people living in your household. We'd like to update that listing. HHL-B. Relationship to Respondent 27210(#1) 27220(#2) 27230(#3) 27240(#4) 27250(#5) 27300(#6) 27310(#7) 27320(#8) 27330(#9) 27340(#10) 27350(#11) 01. 02. 03. 04. 13. 05. 06. 07. 08. 09. 10. 11. 12. 21. 22. 23. 24. 25. 26. 29. 31. 32. 33. 34. 35. 36. 39. 00. RESPONDENT Spouse of Respondent (same as last interview) "Partner" of Respondent (same as last interview) Child (incl. in-laws, step and adopted children, and child's spouse.) Child of Partner Grandchild Parent (incl. in-laws) Grandparent (incl. in-laws) Aunt/uncle Cousin Niece/nephew Sister/brother (incl. in-laws) Great grandchild Ex-spouse, estranged spouse Deceased spouse New spouse since last interview New partner since last interview Ex-partner Deceased partner Other relative Roommate "Friend" (exc. 03) Relative of Partner (except Child, code 13) Boarder or roomer/lodger Paid help (maid, etc.) Foster child Other unrelated person Inap.

HHL10.What is the sex, age and relationship to you of each of the new household members? 27211(#1) 27221(#2) 27231(#3) 27241(#4) 27251(#5) 27301(#6) 27311(#7) 27321(#8) 27331(#9) 27341(#10) 1. 2. 0. Male Female Inap, no further persons

27351(#11)

27212(#1) 27222(#2) 27232(#3) 27242(#4) 27252(#5) 27302(#6) 27312(#7) 27322(#8) 27332(#9) 27342(#10) 27352(#11)

HHL-D. AGE Code AGE (01-95) 01. 95. 00. One year or less 95 years or older Inap, no further persons, person known to be deceased.

For the public use dataset, the year is rounded to the nearest 5 for all non-respondents.

27213(#1) 27223(#2) 27233(#3) 27243(#4) 27253(#5) 27303(#6) 27313(#7) 27323(#8) 27333(#9) 27343(#10) 27353(#11)

HHL-E. MARITAL STATUS Code number precoded in Col. E. (M) Married (P) Living with a partner If Person is 17 or (S) Separated less, assume marital (D) Divorced status=6, do not code (W) Widowed NA for persons 0-17. (NM) Never married Married but spouse in institution (nursing home/jail) or outside U.S. (not available to be sampled elsewhere) 8. Married but spouse not current resident of HU or in institution (samplable at another residence) 9. NA 0. Inap. (No further persons, person known to be deceased; person under 18) NOTE: in some cases, interviewers asked this question of people who were aged less than 18. These cases were reviewed, and all responses were set to zero except for a few cases where the person might plausibly be married. However, it is important to note that because this question was not asked of everyone under 18, this set of married people under 18 is not indicative of the true number of such individuals. For the public use dataset, responses (7), and (8) are combined in 1. HHL5.In what month and year was (PERSON) born? HHL11. In what month and year was (PERSON) born? 1. 2. 3. 4. 5. 6. 7.

27214(#1)

HHL-F. MONTH OF BIRTH

27224(#2) 27234(#3) 27244(#4) 27254(#5) 27304(#6) 27314(#7) 27324(#8) 27334(#9) 27344(#10) 27354(#11) 27215(#1) 27225(#2) 27235(#3) 27245(#4) 27255(#5) 27305(#6) 27315(#7) 27325(#8) 27335(#9) 27345(#10) 27355(#11)

Code actual MONTH (01-12) 98. 99. 00. DK NA Inap, no further persons, person known to be deceased

HHL-F. YEAR OF BIRTH Code actual YEAR (1890-1990) 9998. 9999. 0000. DK NA Inap, no further persons, person known to be deceased

For the public use dataset, the year is bottom-coded at 1900, and rounded to the nearest 5. HHL6. 27216(#1) 27226(#2) 27236(#3) 27246(#4) 27256(#5) 27306(#6) 27316(#7) 27326(#8) 27336(#9) 27346(#10) 27356(#11) Is (PERSON) living in your household now?

Codes 2-4 edited in green 1. 2. 3. 4. 5. 6. 7. 8. 9. 0. YES (incl. R and Spouse/Partner) Child (17 and under) living in HU for part of each year Child (18 and over) away at college part of year Other adult living in this HU for part of each year NO Mover In--Lives here full time or NFS Mover In--Lives here part time Been there all along but no in LB (not a mover-in) NA Inap, no further persons

HHL7.When did (PERSON) (move out/die)? HHL12. When did (PERSON) move in with you? 27217(#1) 27227(#2) 27237(#3) 27247(#4) 27257(#5) 27307(#6) 27317(#7) 27327(#8) 27337(#9) HHL-H. MONTH MOVED OUT OR IN Code actual MONTH (01-12) 98. 99. 00. DK NA Inap, has not moved in/out; no further persons

27347(#10) 27357(#11) 27218(#1) 27228(#2) 27238(#3) 27248(#4) 27258(#5) 27308(#6) 27318(#7) 27328(#8) 27338(#9) 27348(#10) 27358(#11) HHL-H. YEAR MOVED OUT OR IN Code actual YEAR (1983-1990) 9998. 9999. 0000. DK NA Inap, has not moved in/out; no further persons

HHL8.

(ASK ABOUT ALL [related] ADULTS 22 YEARS AND OLDER EXCEPT RESPONDENT AND SPOUSE) Is (PERSON) financially independent? HHL13. (ASK FOR EACH NEW HOUSEHOLD ADULT 22 YEARS AND OLDER.) Is (PERSON) financially independent? 27219(#1) 27229(#2) 27239(#3) 27249(#4) 27259(#5) 27309(#6) 27319(#7) 27329(#8) 27339(#10) 27349(#11) 27359(#12) HHL-K. FINANCIALLY DEPENDENT; R (Unit #1) INDEPENDENT FINANCES--Unit #2 " " --Unit #3 " " --Unit #4 " " --Unit #5 NA Inap. (No further persons; person green under 22) NOTE: in some cases, interviewers asked this question of people who were aged less than 22. However, it is important to note that because this question was not asked of everyone under 22, this distinction does not necessarily reflect the true distribution of the population. 1. 2. 3. 4. 5. 9. 0.

III. 1989 VARIABLES COLLECTED ONLY FOR THE PANEL ------------------------------------------------VARIABLES IN THIS SECTION ARE NOT IMPUTED UNLESS OTHERWISE INDICATED VIRTUALLY NO CLEANING ASIDE FROM CHECKING THE SIMPLEST QUESTIONNAIRE LOGIC HAS BEEN PERFORMED ON VARIABLES IN THIS SECTION 24103 24703 R1e. S1e. About how much were you earning when you disabled)? (Is that per hour, per week, what?)--$ About how much was (he/she) earning when (retired/became disabled)? (Is that per month, year, or what?)--$ (retired/became month, year, or (he/she) hour, per week,

Code actual amount (Convert $ per hr. to weekly amount using 40hrs/wk for men and 35hrs/wk for women and code 8 at X4104.)

-1. 0. 24104 24704 R1e. S1e. PER PER 1. 2. 3. 4. 5. 6. -7. 8. 0.

Zero; take no pay out of business Inap.

Day Week Biweekly Month Quarter Year Other Wages per hour edited to $ per week Inap.

WORK HISTORY FOR THOSE CURRENTLY WORKING FULL-TIME 24515 25115 R45. S45. Now I have a few questions about your past jobs. Were you working for pay in January 1983? Now I have a few questions about (his/her) past jobs. Was (he/she) working for pay in January 1983? 1. 5. 0. 24516 R45a. YES NO Inap.

25116

S45a.

Was that January 1983 job with your present employer, another employer, were you self-employed, or what? (IF SELF-EMPLOYED BOTH IN 1983 AND NOW, CHECK "PRESENT EMPLOYER") Was that January 1983 job with (his/her) present employer, another employer, was (he/she) self-employed, or what? (IF SELF-EMPLOYED BOTH IN 1983 AND NOW, CHECK "PRESENT EMPLOYER") 1. 2. 3. 4. -7. 0. PRESENT EMPLOYER DIFFERENT EMPLOYER SELF-EMPLOYED IN 1983, NOT NOW SELF-EMPLOYED NOW, NOT IN 1983 OTHER Inap.

24517 25117

R45b. S45b.

What was the reason you left (that job/self-employment)? Did you retire, become disabled, quit, were you laid off, did the business close, or what? What was the reason (he/she) left (that job/selfemployment)? Did (he/she) retire, become disabled, quit, was (he/she) laid off, did the business close, or what? 1. 2. 3. 4. RETIRED DISABLED QUIT LAID OFF

5. BUSINESS CLOSED 6. FIRED -7. OTHER 0. Inap. For the public use dataset, LAID OFF (4) and BUSINESS CLOSED (5) are combined in 5, and FIRED (6) and OTHER (-7) are combined in -7. 24518 25118 R45c. S45c. Were you included in a pension or retirement plan on that job? Was (he/she) included in a pension or retirement plan on that job? 1. 5. 0. R45d. YES NO Inap.

S45d.

24519 25119 24520 25120 24521 25121 24522 25122 24523 25123

R45d. S45d. R45d. S45d. R45d. S45d. R45d. S45d. R45d. S45d.

Did you get a cash settlement from that pension plan, do you expect to get retirement benefits from that plan in the future, are you getting retirement benefits from that plan now, or what? (CHECK ALL THAT APPLY) Did (he/she) get a cash settlement from that pension plan, does (he/she) expect to get retirement benefits from that plan in the future, is (he/she) getting retirement benefits from that plan now, or what? (CHECK ALL THAT APPLY) A. CASH SETTLEMENT A. CASH SETTLEMENT B. EXPECT FUTURE BENEFITS B. EXPECT FUTURE BENEFITS C. GETTING BENEFITS NOW C. GETTING BENEFITS NOW D. NO BENEFITS D. NO BENEFITS E. OTHER E. OTHER 1. 5. 0. Checked Not checked Inap. 36 months, that is the last three years, have you worked full-time? 36 months, that is the last three years, has (he/she) worked full-time?

24524 25124

R45e. S45e.

During the past how many months During the past how many months Code # MONTHS -1. 0. Zero; none Inap.

24525 25125

R45f. S45f.

How many different employers have you had on full-time jobs over the past 36 months? How many different employers has (he/she) had on full-time

jobs over the past 36 months? Code # OF EMPLOYERS -1. NONE 0. Inap. For the public use dataset, the number of such employers is top-coded at 20. 24526 25126 R45g. S45g. Have there been any months over this period when you only worked part-time? Have there been any months over this period when (he/she) only worked part-time? 1. 5. 0. 24527 25127 R45h. S45h. YES NO Inap.

How many of the past 36 months have you only worked part-time? How many of the past 36 months has (he/she) only worked part-time? Code # MONTHS 0. Inap.

WORK HISTORY FOR THOSE CURRENTLY WORKING PART-TIME 24531 25131 R46. S46. Now I have a few questions about your past jobs. Were you working for pay in January 1983? Now I have a few questions about (his/her) past jobs. Was (he/she) working for pay in January 1983? 1. 5. 0. 24532 R46a. YES NO Inap.

25132

S46a.

Was that January 1983 job with your present employer, another employer, were you self-employed, or what? (IF SELF-EMPLOYED BOTH IN 1983 AND NOW, CHECK "PRESENT EMPLOYER") Was that January 1983 job with (his/her) present employer, another employer, was (he/she) self-employed, or what? (IF SELF-EMPLOYED BOTH IN 1983 AND NOW, CHECK "PRESENT EMPLOYER") 1. 2. 3. 4. -7. 0. PRESENT EMPLOYER DIFFERENT EMPLOYER SELF-EMPLOYED IN 1983, NOT NOW SELF-EMPLOYED NOW, NOT IN 1983 OTHER Inap.

24533 25133

R46b. S46b.

What was the reason you left (that job/self-employment)? Did you retire, become disabled, quit, were you laid off, did the business close, or what? What was the reason (he/she) left (that job/selfemployment)? Did (he/she) retire, become disabled, quit, was (he/she) laid off, did the business close, or what? 1. RETIRED 2. DISABLED 3. QUIT 4. LAID OFF 5. BUSINESS CLOSED 6. FIRED -7. OTHER 0. Inap. For the public use dataset, LAID OFF (4) and BUSINESS CLOSED (5) are combined in 5, and FIRED (6) and OTHER (-7) are combined in -7.

24534 25134

R46c. S46c.

Were you included in a pension or retirement plan on that job? Was (he/she) included in a pension or retirement plan on that job? 1. 5. 0. YES NO Inap.

R46d.

S46d.

24535 25135 24536 25136 24537 25137 24538 25138 24539 25139

R46d. S46d. R46d. S46d. R46d. S46d. R46d. S46d. R46d. S46d.

Did you get a cash settlement from that pension plan, do you expect to get retirement benefits from that plan in the future, are you getting retirement benefits from that plan now, or what? (CHECK ALL THAT APPLY) Did (he/she) get a cash settlement from that pension plan, does (he/she) expect to get retirement benefits from that plan in the future, is (he/she) getting retirement benefits from that plan now, or what? (CHECK ALL THAT APPLY) A. CASH SETTLEMENT A. CASH SETTLEMENT B. EXPECT FUTURE BENEFITS B. EXPECT FUTURE BENEFITS C. GETTING BENEFITS NOW C. GETTING BENEFITS NOW D. NO BENEFITS D. NO BENEFITS E. OTHER E. OTHER 1. 5. 0. Checked Not checked Inap.

24540 25140

R46e. S46e.

During the past 36 months, that is the last three years, how many months have you worked part-time? During the past 36 months, that is the last three years,

how many months has (he/she) worked part-time? Code # MONTHS 0. Inap. 24541 25141 R46f. S46f. Have there been any months over this period when you worked full-time? Have there been any months over this period when (he/she) worked full-time? 1. 5. 0. 24542 25142 R46g. S46g. YES NO Inap.

How many of the past 36 months have you worked full-time? How many of the past 36 months has (he/she) worked full-time? Code # OF MONTHS 00. Inap.

24543 25143

R46h. S46h.

How many different employers have you had on full-time jobs over this time? How many different employers has (he/she) had on full-time jobs over this time? Code # OF EMPLOYERS 0. Inap.

24544 25144

R46i. S46i.

When did you last work full-time for pay?--MONTH When did (he/she) last work full-time for pay?--MONTH Code MONTH 0. Inap.

24545 25145

R46i. S46i.

When did you last work full-time for pay?--YEAR When did (he/she) last work full-time for pay?--YEAR Code YEAR 0. Inap.

WORK HISTORY FOR THOSE CURRENTLY RETIRED/DISABLED, HOMEMAKER, STUDENT, OR OTHER 24601 25201 R47. S47. Now I have a few questions about your past jobs. Were you working for pay in January 1983? Now I have a few questions about (his/her) past jobs. Was (he/she) working for pay in January 1983? 1. 5. 0. YES NO Inap.

24602 25202

R47a. S47a.

What was the reason you left that job? Did you retire, become disabled, quit, were you laid off, did the business close, or what? What was the reason (he/she) left that job? Did (he/she) retire, become disabled, quit, was (he/she) laid off, did the business close, or what? 1. RETIRED 2. DISABLED 3. QUIT 4. LAID OFF 5. BUSINESS CLOSED 6. FIRED -7. OTHER 0. Inap. For the public use dataset, LAID OFF (4) and BUSINESS CLOSED (5) are combined in 5, and FIRED (6) and OTHER (-7) are combined in -7.

24603 25203

R47b. S47b.

Were you covered by a pension or retirement plan on that job? Was (he/she) covered by a pension or retirement plan on that job? 1. 5. 0. YES NO Inap.

R47c.

S47c.

24604 25204 24605 25205 24606 25206 24607 25207 24608 25208

R47c. S47c. R47c. S47c. R47c. S47c. R47c. S47c. R47c. S47c.

Did you get a cash settlement from that pension plan, do you expect to get retirement benefits from that plan in the future, are you getting retirement benefits from that plan now, or what? (CHECK ALL THAT APPLY) Did (he/she) get a cash settlement from that pension plan, does (he/she) expect to get retirement benefits from that plan in the future, is (he/she) getting retirement benefits from that plan now, or what? (CHECK ALL THAT APPLY) A. CASH SETTLEMENT A. CASH SETTLEMENT B. EXPECT FUTURE BENEFITS B. EXPECT FUTURE BENEFITS C. GETTING BENEFITS NOW C. GETTING BENEFITS NOW D. NO BENEFITS D. NO BENEFITS E. OTHER E. OTHER 1. 5. 0. Checked Not checked Inap.

24609

R47d.

During the last three years, or 36 months, have you done

25209

S47d.

any work for pay? During the last three years, or 36 months, has (he/she) done any work for pay? 1. 5. 0. YES NO Inap.

24610 25210

R47e. S47e.

How many months over this period have you worked full-time? How many months over this period has (he/she) worked full-time? Code # MONTHS -1. NONE 0. Inap.

24611 25211

R47f. S47f.

How many different employers have you had on full-time jobs over this time? How many different employers has (he/she) had on full-time jobs over this time? Code # OF EMPLOYERS 0. Inap.

24612 25212

R47g. S47g.

How many months over this period have you only worked part-time? How many months over this period has (he/she) only worked part-time? Code # MONTHS -1. NONE 0. Inap.

25852

T8.

25854

T10.

Now I'd like to ask you some questions about your (family's) income in previous years. How much was the total income you (and your family living here) received in 1987 from all sources, before taxes and other deductions were made? How much was the total income you (and your family living here) received in 1986 from all sources, before taxes and other deductions were made? Code actual amount -1. Zero; no income .R REFUSED .D DON'T KNOW .N NOT AVAILABLE

25853

T9. T9a. T9b.

Did you (and your family living here) receive more than $30,000 in 1987? Was it $50,000 or more? Was it $100,000 or more?

25855

T9c. T9d. T9e. T9f. T11. T11a. T11b. T11c. T11d. T11e. T11f.

Was it $250,000 or more? Was it $5,000 or more? Was it $10,000 or more? Was it $20,000 or more? Did you (and your family living here) receive more than $30,000 in 1986? Was it $50,000 or more? Was it $100,000 or more? Was it $250,000 or more? Was it $5,000 or more? Was it $10,000 or more? Was it $20,000 or more? 01. 02. 03. 04. 05. 06. 07. 08. .R .D .N 0. Less than $5,000 (NO at T9d) $5,000-$10,000 (NO at T9e) $10,000-$20,000 (NO at T9f) $20,000-$30,000 (YES at T9f) $30,000-$50,000 (NO at T9a) $50,000-$100,000 (NO at T9b) $100,000-$250,000 (NO at T9c) $250,000 or more (YES at T9c) REFUSED DON'T KNOW NOT AVAILABLE Inap.

25856

T12.

During either 1986 or 1987, did you (or anyone in your family living there) receive any income from ADC, AFDC, SSI, or other public assistance? 1. 5. YES NO

25857

T13.

During either 1986 or 1987, did you (or anyone in your family living there) receive any worker's compensation or unemployment benefits? 1. 5. YES NO

25858

T14.

During either 1986 or 1987, did you (or anyone in your family living there) receive any financial support from relatives or friends who do not live here, or receive any alimony or child support payments? 1. 5. YES NO

25859

T14a.

Altogether, about how much such support did you (and your family) receive in 1986 and 1987? Code actual amount -1. Zero; nothing 0. Inap.

25860

T15.

During either 1986 or 1987, did you (or anyone in your family living there) provide any financial support for relatives or friends who do not live here, or pay any alimony or child support payments? 1. 5. YES NO

25861

T15a.

Altogether, about how much such support did you (and your family) provide in 1986 and 1987? Code actual amount -1. Zero; nothing 0. Inap.

26001

V1.

Now I'd like to ask you some questions about the changes to your (family's) finances over the past several years. Since January 1983, have you (or anyone living here) bought or sold a home that was your primary residence? 1. 5. YES NO

26002

V1a.

Did you only buy, only sell, both buy and sell, or what? 1. 2. 3. 0. ONLY BOUGHT ONLY SOLD BOTH BOUGHT AND SOLD Inap.

26003

V1b.

In what month and year did you most recently sell a home? --MONTH Code MONTH 0. Inap.

26004

V1b.

In what month and year did you most recently sell a home? --YEAR Code YEAR 0. Inap.

26005

V1c.

What was the selling price? Code actual amount 0. Inap.

26006

V1d.And when did you buy that home?--MONTH

Code MONTH 0. Inap. 26007 V1d. And when did you buy that home?--YEAR Code YEAR 0. Inap. For the public use dataset, the year is rounded to the nearest 5. 26008 V1e. What was the purchase price? Code actual amount 0. Inap. 26009 V1f. Since January 1983, have you sold any other home that was your primary residence? 1. 5. 0. 26010 V1g. YES NO Inap. (IF MORE

In what month and year was this other home sold? THAN ONE, RECORD MOST RECENT SALE)--MONTH Code MONTH 0. Inap.

26011

V1g.

In what month and year was this other home sold? THAN ONE, RECORD MOST RECENT SALE)--YEAR Code YEAR 0. Inap.

(IF MORE

26012

V1h.

What was the selling price? Code actual amount 0. Inap.

26013

V1j.

And when did you buy that home?--MONTH Code MONTH 0. Inap.

26014

V1j.

And when did you buy that home?--YEAR Code YEAR 0. Inap. For the public use dataset, the year is rounded to the

nearest 5. 26015 V1k. What was the purchase price? Code actual amount 0. Inap. 26016 V2. Since January 1983, did you (or anyone in your family living here) make any major additions or home improvements to a primary residence that you owned? (Do not count general maintenance or upkeep.) 1. 5. 26017 V2a. YES NO

What was the dollar cost of these additions and improvements, plus the value of any work you may have done yourself? Code actual amount 0. Inap.

26018

V4.

Since January 1983, have you (or anyone in your family living here) sold any real estate other than your principal residence, such as a vacation home, land, or rental or investment property? 1. 5. YES NO

26019

V4a.

Have you bought any such real estate properties since January 1983? 1. 5. 0. YES NO Inap.

26020

V4b.

How many such real estate properties have you sold since January 1983? Code # PROPERTIES SOLD 0. Inap. For the public use dataset, the number of such properties is top-coded at 25.

26021

V4c.

In what month and year did you sell that property?--MONTH Code MONTH 0. Inap.

26022

V4c.

In what month and year did you sell that property?--YEAR Code YEAR 0. Inap.

26023

V4d.

About how much did you sell it for? Code actual amount 0. Inap.

26024

V5.

Have you also bought any such real estate properties since January 1983? 1. 5. 0. YES NO Inap.

26025

V5a.

About how much in total did you pay for this real estate? Code actual amount 0. Inap.

26026

V6.

Did you also buy any real estate of this sort since January 1983? 1. 5. 0. YES NO Inap.

26027

V6a.

About how much in total was the dollar value of the real estate you sold since January 1983? Code actual amount 0. Inap.

26028

V6b.

Overall, was the dollar value of the real estate you bought greater than the dollar value of what you sold, less than the value of what you sold, about equal, or what? 1. 2. 3. 0. BOUGHT MORE THAN SOLD BOUGHT LESS THAN SOLD BOUGHT AND SOLD ABOUT EQUAL AMOUNTS Inap.

26029

V6c.

Roughly, about how much (more/less) did you buy than you sold? Code actual amount 0. Inap.

26030

V6d.

INTERVIEWER CHECKPOINT 1. 2. 0. R ANSWERED "YES"--OWNS REAL ESTATE R ANSWERED "NO" Inap.

26031

V7.

Since January 1983, did you (or anyone in your family living here) make any major additions or home improvements to any real estate properties that you own? (Do not count general maintenance or upkeep.) 1. 5. 0. YES NO Inap.

26032

V7a.

What was the dollar cost of these additions and improvements, plus the value of any work you may have done yourself? Code actual amount 0. Inap.

26033

V8.

Since January 1983, have you (or anyone in your family living here) put personal funds into a privately held business, professional practice, partnership or farm that you own or share ownership in? 1. 5. YES NO

26034

V8a.

Altogether, about how much new money did you (or your family living here) put into that, including any funds that you borrowed personally? Code actual amount 0. Inap.

26035

V9.

Since January 1983, have you (or anyone in your family living here) sold part or all of any interest in a privately held business, professional practice, partnership, or farm? 1. 5. YES NO

26036

V9a.

Altogether, about how much did you (or your family living here) sell your interest for? (What was the selling price?) (IWER: WE WANT THE PRICE THE BUYER PAID.) Code actual amount

0. 26037 V9b.

Inap. (MOST RECENT

In what month and year did you sell that? SALE, IF MORE THAN ONE.)--MONTH Code MONTH 0. Inap.

26038

V9b.

In what month and year did you sell that? SALE, IF MORE THAN ONE.)--YEAR Code YEAR 0. Inap.

(MOST RECENT

26039

V10.

Since January 1983, have you (or anyone in your family living here) put money into or taken money out of an IRA or Keogh accounts? 1. 5. YES NO

26040

V10a.

Did you (or anyone in your family) put money in or take money out? 1. 2. 3. 0. PUT IN TAKE OUT BOTH Inap.

26041

V10b.

Altogether, about how much did you (put in/take out)? Code actual amount 0. Inap.

26042

V11.

Not counting any IRAs, Keoghs or pension accounts, since January 1983, did you (or anyone in your family living here) bought any shares of stock in publicly held corporations, or put money into mutual funds, managed investment accounts or trusts, including any automatic reinvestments? 1. 5. YES NO

26043

V12.

Did you (or your family living with you) also sell or cash in any such assets? 1. 5. 0. YES NO Inap.

26044

V13.

Did you but more or sell more--that is, overall, did you put money into stocks, mutual funds, managed investment accounts or trusts, take money out of them, or put in about as much as you took out? 1. 2. 3. 0. PUT MONEY IN TAKE MONEY OUT PUT IN ABOUT AS MUCH AS TOOK OUT Inap.

26045

V13a.

About how much more money did you (or your family living here) (put in/take out)? Code actual amount 0. Inap.

26046

V14.

Altogether, how much money (including any automatic reinvestment) did you (or your family living here) put in? Code actual amount 0. Inap.

26047

V15.

Since January 1983, have you (or anyone in your family living here) sold any shares of stock in publicly held corporations, or taken money out of mutual funds, managed investment accounts or trusts? 1. 5. 0. YES NO Inap.

26048

V15a.

Altogether, how much money did you (or your family living here) get from that? Code actual amount 0. Inap.

26049 26129

V16. V19.

Since January 1983 have you done any work for pay? Since January 1983 has your (husband/wife) done any work for pay? 1. 5. YES NO

26101 26130

V17. V19a.

Not counting IRAs or Keoghs, have you been included in any employer-sponsored pension or retirement plan, or in any tax-deferred saving plan, since January 1983? Not counting IRAs or Keoghs, has (he/she) been included in any employer-sponsored pension or retirement plan, or in any tax-deferred saving plan, since January 1983?

1. 5. 0. 26102 26131 V17a. V19b.

YES NO Inap.

Have you contributed to any of these plans, such as by having money deducted from your pay? (INCLUDE CONTRIBUTIONS THROUGH UNION DUES OR OTHER SOURCES) Has (he/she) contributed to any of these plans, such as by having money deducted from (his/her) pay? (INCLUDE CONTRIBUTIONS THROUGH UNION DUES OR OTHER SOURCES) 1. 5. 0. YES NO Inap. what percent of have you what percent of has (he/she)

26103 26132

V17b. V19c.

For each year beginning with 1983, about pay or amount of money per month or year contributed to these plans? For each year beginning with 1983, about pay or amount of money per month or year contributed to these plans? 1. 8. 0. Year-by-year figure(s) given DON'T KNOW YEAR-BY-YEAR Inap.

26104 26133

V17c. V19d.

Altogether during this period, about how much would you guess?--% Altogether during this period, about how much would you guess?--% Code % -1. None that year -2. 99.6 percent or above 0. Inap.

26105 26134

V17c. V19d.

Altogether during this period, about how much would you guess?--$ Altogether during this period, about how much would you guess?--$ Code actual amount 0. Inap.

26106 26135

V17c. V19d.

Altogether during this period, about how much would you guess?--PER Altogether during this period, about how much would you guess?--PER 2. 3. 4. 5. Week Biweekly Month Quarter

6. -7. 8. 0.

Year Other Total amount 1983-1989 Inap.

26107 26136 26110 26139 26113 26142 26116 26145 26119 26148 26122 26151 26125 26154

V17d. V19e. V17e. V19f. V17f. V19g. V17g. V19h. V17h. V19j. V17j. V19k. V17k. V19m.

(About what percent of pay or amount of money per month or year have you contributed...) First, in 1983?--% OF PAY First, in 1983?--% OF PAY ... in 1984?--% OF PAY ... in 1984?--% OF PAY ... in 1985?--% OF PAY ... in 1985?--% OF PAY ... in 1986?--% OF PAY ... in 1986?--% OF PAY ... in 1987?--% OF PAY ... in 1987?--% OF PAY ... in 1988?--% OF PAY ... in 1988?--% OF PAY ... in 1989?--% OF PAY ... in 1989?--% OF PAY Code % 0. Inap.

26108 26137 26111 26140 26114 26143 26117 26146 26120 26149 26123 26152 26126 26155

V17d. V19e. V17e. V19f. V17f. V19g. V17g. V19h. V17h. V19j. V17j. V19k. V17k. V19m.

First, First, ... in ... in ... in ... in ... in ... in ... in ... in ... in ... in ... in ... in

in 1983?--$ in 1983?--$ 1984?--$ 1984?--$ 1985?--$ 1985?--$ 1986?--$ 1986?--$ 1987?--$ 1987?--$ 1988?--$ 1988?--$ 1989?--$ 1989?--$

Code actual amount 0. Inap. 26109 26138 26112 26141 26115 26144 26118 26147 26121 26150 26124 26153 V17d. V19e. V17e. V19f. V17f. V19g. V17g. V19h. V17h. V19j. V17j. V19k. PER PER PER PER PER PER PER PER PER PER PER PER

26127 26156

V17k. V19m.

PER PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap.

26201

V20.

Sometimes changes in a family's savings or assets are due to people joining or leaving the family. Was there anyone living with you in 1983 who doesn't live with you now who took $5,000 or more in assets or debts away with them? (IF R ASKS: DO NOT INCLUDE SPOUSE) 1. 3. 5. YES Yes, but HHL sheet does not indicate that anyone moved out NO

26202

V20a.

Altogether, what is the total dollar value of assets that were removed that way? Code actual amount -1. Zero; nothing 0. Inap.

26203

V20b.

Altogether, what is the total dollar value of debts that were removed that way? Code actual amount -1. Zero; nothing 0. Inap, 5, 8-9 in 6201

26205

V22.

Is there anyone in your family living with you now who has joined the family since 1983 and who had $5,000 or more in assets or debts at the time they joined the family? (IF R ASKS: DO NOT INCLUDE NEW SPOUSE) 1. 3. 5. 0. YES Yes, but HHL sheet does not indicate that anyone moved out NO Inap.

26206

V22a.

Altogether, what is the total dollar value of assets that were brought into the family in that way? Code actual amount -1. Zero; nothing 0. Inap.

26207

V22b.

Altogether, what is the total dollar value of debts that were brought into the family in that way? Code actual amount -1. Zero; nothing 0. Inap.

26208

V26.

Since 1983, have you (or your [husband/wife]) or any of your children attended college or trade school? 1. 5. YES NO

V26a. 26209 26210 26211 V26a. V26a. V26a.

Did you attend school, (did your [husband/wife]), or did your children? (CHECK ALL THAT APPLY, AND ASK ALL FOLLOWUP QUESTIONS) A. RESPONDENT B. SPOUSE C. CHILDREN 1. 5. 0. Checked Not checked Inap.

26212 26214

V26b. V26d.

Did you get a degree? Did your (husband/wife) get a degree? 1. 5. 0. YES NO Inap.

26213 26215

V26c. V26e.

What degree did you earn? (What was the highest?) What degree did (he/she) earn? (What was the highest?) 1. 2. 3. 4. 5. 6. -7. 0. For LAW ASSOCIATES BACHELORS MA/MBA PHD MD LAW OTHER Inap. the public use dataset, PHD (4), MD (5), and (6) are combined in 4.

26216

V27.

How much in total did you (and your [husband/wife]) personally have to pay for all these college or trade school expenses since 1983, including any loans you may have taken out? Code actual amount

-1. 0. 26217 V28.

NOTHING Inap.

Since 1983 did you (or your [husband/wife]) pay any (other) tuition expenses for a private or parochial school for anyone? 1. 5. YES NO

26218

V28a.

In total, how much did you pay for private or parochial school tuition expenses during that period? Code actual amount 0. Inap.

26219

V29.

Now I have some questions about the past three years. During the past three years, have you (or anyone in your family living here) purchased any kind of vehicle--car, business or any leased vehicles? 1. 5. YES NO

26220

V29a.

About how much in total was the purchase price of these vehicles? Code actual amount 0. Inap.

26221

V30.

During the past three years have you (or anyone in your family living here) made purchases totaling $3,000 or more for any furniture, appliances, or recreation items? 1. 5. YES NO

26222

V30a.

About how much did these items cost in total? Code actual amount 0. Inap.

26223

V31.

During the past three years did you (or anyone in your family living here) have a major illness or disability which required hospitalization or cost more than $1,000? 1. 5. YES NO

26224

V31a.

Not including the costs paid for by insurance, during the

past three years how much in total did you (or anyone in your family living here) personally have to pay for expenses related to such illnesses or disabilities? Code actual amount -1. NOTHING 0. Inap. 26225 V32. During the past three years, did you (or anyone in your family living here) have any unusually large expenses that you paid for yourself, such as a child's marriage, a lawsuit, or any other large expenses you have not mentioned already? 1. 5. 26226 26227 V32a. YES NO (Were there any other

What was that expense for? unusually large expenses?) Code 2 mentions 01. 02. 03. 04. 05. 11. 12. -7. 0.

Special occasions: wedding/funeral/graduation Medical/dental Home repairs or improvements Purchase of consumer goods; vacations Gifts to children (incl. money for their home purchase) Legal fees and expenses; "lawsuit"; "divorce"--NFS Business or investment related expenses Other Inap.

26228

V32b.

How much did it cost you in total (for all these expenses)? Code actual amount 0. Inap.

26229

V33.

During the past three years, did you (or anyone in your family living here) receive any unusually large amounts of money or property, such as an insurance or legal award, winning the lottery, or any other unusually large financial benefits that you have not already mentioned? 1. 5. YES NO

26230 26231

V33a.

From what source did you receive this money or property? (Were there any other sources?) Code 2 mentions

01. 02. 03. 04. 05. 06. 07. -7. 0. 26232 V33b.

Insurance settlement Lottery winnings Divorce settlement Other legal judgments; lawsuits Employer Gifts (from relatives) Profits in savings/investments Other Inap.

How much did you receive in total from (this/all these) sources? Code actual amount 0. Inap.

26317

Y7a.

26334

Y8a.

26404

Y9b.

26432

Y10c.

We are interested in how changes in marital status affect people's financial well-being. At the time of your marriage, about how much did your (husband/wife) have in assets? We are interested in how changes in marital status affect people's financial well-being. At the time of your marriage, about how much did your (husband/wife) have in assets? We are interested in how changes in living situations affect people's financial well-being. At the time you began living together, about how much did your partner have in assets? We are interested in how changes in marital status affect people's financial well-being. At the time of your marriage, about how much did your (husband/wife) have in assets? Code actual amount -1. NONE 0. Inap.

26318 26335 26405 26433

Y7b. Y8b. Y9c. Y10d.

At At At At

that this this this

time, time, time, time,

about about about about

how how how how

much much much much

did did did did

(he/she) (he/she) (he/she) (he/she)

have have have have

in in in in

debts? debts? debts? debts?

Code actual amount -1. NONE 0. Inap. 26322 26341 Y7g. Y8g. At the assets now? At the assets now? time of your (husband's/wife's) death, were any given to charities or to anyone not living with you time of your (husband's/wife's) death, were any given to charities or to anyone not living with you

26423 26456

Y9y. Y12c.

At the assets now? At the assets now? 1. 5. 0.

time of your (husband's/wife's) death, were any given to charities or to anyone not living with you time of your (husband's/wife's) death, were any given to charities or to anyone not living with you

YES NO Inap. how how how how much much much much was was was was that? that? that? that?

26323 26342 26424 26457

Y7h. Y8h. Y9z. Y12d.

About About About About

Code actual amount 0. Inap. 26324 26343 26425 26458 Y7j. Did you receive any settlements from life insurance on your (husband/wife)? Y8j. Did you receive any settlements from life insurance on your (husband/wife)? Y9aa. Did you receive any settlements from life insurance on your (husband/wife)? Y12e. Did you receive any settlements from life insurance on your (husband/wife)? 1. 5. 0. 26325 26344 26426 26459 Y7k. Y8k. Y9bb. Y12f. YES NO Inap. how how how how much much much much was was was was that? that? that? that?

About About About About

Code actual amount 0. Inap. 26326 26345 26417 26445 Y7m. Y8m. Y9s. Y11c. At the time assets? At the time assets? At the time assets? At the time assets? 1. 5. 0. YES NO Inap. of your divorce, was there a division of of your divorce, was there a division of of your divorce, was there a division of of your divorce, was there a division of

26327

Y7n.

26346

26418

26446

What was the total dollar value of the assets that you retained, including your share of the financial assets, the home and other real estate and any other property that you received? Y8n. What was the total dollar value of the assets that you retained, including your share of the financial assets, the home and other real estate and any other property that you received? Y9t. What was the total dollar value of the assets that you retained, including your share of the financial assets, the home and other real estate and any other property that you received? Y11d. What was the total dollar value of the assets that you retained, including your share of the financial assets, the home and other real estate and any other property that you received? Code actual amount 0. Inap.

26328 26347 26419 26447

Y7p. Y8p. Y9u. Y11e.

What was the total dollar value (ex-husband/ex-wife) retained? What was the total dollar value (ex-husband/ex-wife) retained? What was the total dollar value (ex-husband/ex-wife) retained? What was the total dollar value (ex-husband/ex-wife) retained? Code actual amount 0. Inap.

of the assets that your of the assets that your of the assets that your of the assets that your

26329 26348 26420 26448

Y7q. Y8q. Y9v. Y11f.

Were you required to pay alimony, were you supposed receive alimony, or was no alimony involved in the settlement? Were you required to pay alimony, were you supposed receive alimony, or was no alimony involved in the settlement? Were you required to pay alimony, were you supposed receive alimony, or was no alimony involved in the settlement? Were you required to pay alimony, were you supposed receive alimony, or was no alimony involved in the settlement? 1. 2. 5. 0. PAY ALIMONY RECEIVE ALIMONY NO ALIMONY INVOLVED Inap.

to to to to

26330 26349

Y7r. Y8r.

Did you receive custody of your (husband/wife) receive custody, or were no children involved in Did you receive custody of your (husband/wife) receive custody,

children, did your former do you have joint custody, the settlement? children, did your former do you have joint custody,

26421 26449

Y9w. Y11g.

or were no children involved in Did you receive custody of your (husband/wife) receive custody, or were no children involved in Did you receive custody of your (husband/wife) receive custody, or were no children involved in 1. 2. 3. 5. 0. R CUSTODY SPOUSE CUSTODY JOINT CUSTODY NO CHILD Inap.

the settlement? children, did your former do you have joint custody, the settlement? children, did your former do you have joint custody, the settlement?

26331 26350 26422 26450

Y7s. Y8s. Y9x. Y11h.

Were you required to pay child support, were you supposed to receive child support, or was child support not involved in the settlement? Were you required to pay child support, were you supposed to receive child support, or was child support not involved in the settlement? Were you required to pay child support, were you supposed to receive child support, or was child support not involved in the settlement? Were you required to pay child support, were you supposed to receive child support, or was child support not involved in the settlement? 1. 2. 5. 0. PAY RECEIVE NO SUPPORT Inap.

26411

Y9n.

Do you receive support from your (husband/wife), do you pay support, or is there no support involved? 1. 2. 3. 0. RECEIVE SUPPORT NO SUPPORT INVOLVED PAY SUPPORT Inap.

26412

Y9p.

How much do you receive? Code actual amount 0 000 000. Inap.

26413

Y9p.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap.

26414

Y9q.

How much do you pay? Code actual amount 0. Inap.

26415

Y9q.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap.

26416 26439

Y9r. Y10h.

Are the assets and debts that you've told me about in this interview owned mainly by you, are they owned jointly with your (husband/wife), or what? Are the assets and debts that you've told me about in this interview owned mainly by you, are they owned jointly with your (husband/wife), or what? 1. 2. -7. 0. OWNED BY R OWNED JOINTLY OTHER Inap.

IV. 1983 RECODES ---------------******************************************************************************* ******************************************************************************* The 1983 question identifier is given just to the right of the recode variable number. Where possible, question information is given from either the 1983 Technical Manual and Codebook or from the 1983 questionnaire itself. The variable to the far right is the set of 1983 variables from which the recode was derived. Most of the time, the variable from the 1983 cleaned and imputed dataset was used. The responses given are those for the recode variable. For internal users, additional comments from the creation of these variables can be found in the following files: /mfs/scf2/scf89/doc/panel8389, or /mfs/scfa/create/doc/89p/panel8389 on MP1 ******************************************************************************* ******************************************************************************* CREDIT ATTITUDES 50040 A1. General credit attitude Respondents were asked: "Do you think it is a good idea or a bad idea for people to buy things on the (B5501)

installment plan?" 1. 3. 5. (A) (B) (C) (D) (E) A2. 50041(A) 50042(B) 50043(C) 50044(D) 50045(E) Good idea Good in some ways, bad in others Bad idea

Expenses of vacation trip Living expenses when income is cut Finance the purchase of a fur coat or jewelry Finance the purchase of a car Finance educational expenses Reasons for borrowing For each of the potential reasons for borrowing given in (A) - (E), respondents were asked: "Tell me if it is all right for someone like yourself to borrow money to .. (each reason asked)?" 1. 5. Yes No (B5522) (B5504) (B5505) (B5507) (B5509) (B5511)

50046

A6.

Turned down for credit in last few years?

Respondents were asked if he/she (or their spouse) had had a request for credit turned down by a particular lender or creditor in the past few years, or had been unable to get as much credit as he/she had applied for. 1. 3. 5. 50047 Yes, turned down Yes, unable to get as much credit as he/she wanted Not turned down (B5525)

A6b., A6c. Reapply for credit

Respondents were asked if he/she (or their spouse) reapplied for credit at the same lender or any other institution after he/she was turned down for credit (or did not get as much as he/she asked for). If he/she had reapplied he/she was asked whether or not he/she eventually received as much credit as he/she had originally wanted. 1. 2. 3. 5. 0. Reapplied for credit and received as much as he/she wanted Reapplied for credit and were again denied or did not receive as much as he/she wanted Reapplied for credit and NA whether he/she received as much as he/she wanted Did not reapply Inap.

50048

A7.

Dissuaded from applying for credit?

(B5526)

Respondents were asked if there had been any time in the past few years that he/she (or their spouse) had thought about applying for credit at a particular place, but changed their mind because he/she thought he/she might be turned down. 1. 5. Yes No

CREDIT CARDS AND REVOLVING DEBT (A) Gasoline company credit cards (B) Bank credit cards (Visa, Mastercard, Choice) (C) General purpose credit cards (American Express, Diners Club, Carte Blanche) (D) National retailer credit cards (Sears, Penneys, Wards) (E) Other store or retailer credit cards (F) Other credit cards (rental car, airline etc.) 50049 B1. Does household have any credit cards? 1. 5. 50050 Yes No (B4105+B4108+ B4111+B4114+ B4117+B4120) (B4103)

B2a. - B2f. Number of credit cards Excludes cards owned by business or,multiple cards per account.

Code # cards 0. none, inap. no credit cards For the public use dataset, the number of credit cards is top-coded at 20.

50055

B4a. - B4f.

Total credit card debt

(B4102)

The sum of the amount owed on gasoline, bank, general purpose, national retail, other retail, and other credit card debt after payment of last bill. Code actual amount -1. None 0. Inap. 50051 B5a. Payment patterns Asked of all respondents owning bank, national retail, or other store credit cards. 1. 3. Always pay full amount of credit card bills Sometimes pay full amount or always pay some (B4123)

5. 0. 50052 B6.

bills in full Hardly ever pay full amount of bills Inap. (B4104)

Does household have lines of credit? 1. 5. Yes No

50053

B6a.

Amount owed on lines of credit The amount currently owed on open-ended lines of credit such as checking account overdrafts or credit union borrowing. Code actual amount -1. None 0. Inap.

(B4125)

50054

B6c.

Lines of credit secured by equity in home?

(B4130)

Is home used as collateral for any lines of credit? 1. 5. 0. HOUSING 50060 C2. Residential ownership code 1. 2. 3. Own; buying; or land contract Pays rent Neither owns nor rents - live-in servant; housekeeper; gardener; farm laborer; others for whom housing is part of compensation (janitors, nurses) Neither owns nor rents - house is a gift paid for by someone outside household, household pays only taxes Other arrangement (B3705) (B3702) Yes No Inap.

4. 8. 50061 C4.

Amount of rent per month Code actual amount 0. Inap.

50062

C4a.

Utilities included 1. 3. 5. Includes utilities Some utilities included Does not iclude utilities

(B3706)

0. 50063 C4b.

Inap. (B3707)

Rented Furnished 1. 3. 5. 0. Furnished Partially furnished Unfurnished Inap.

50064

C5.

Current value of home Code actual amount 0. Inap.

(B3708)

50065

C6.

Month home purchased Code # MONTHS -1. Household inherited home and no date given 0. Inap.

(B3711)

50066

C6.

Year

home purchased

(B3712)

Code YEAR -1. Household inherited home and no date given 0. Inap. For the public use dataset, the year is rounded to the nearest 5. 50067 C7. Purhase price of home Code actual amount -1. Household inherited home and no date given 0. Inap. 50068 C8. Do you now have a mortgage or land contract on this (house and lot/apartment/mobile home)? 1. 2. 5. 50069 Yes; mortgage Yes; land contract No (B4002+B4024+ B4452+B4472) (B3713)

(V247)

C11a. Amount outstanding on loan(s) Code actual amount 0. Inap.

50083

C11.

Amount monthy payment on loan(s) Code actual amount

(B4010+B4032+ B4459+B4479)

-1. 0.

All contributing loans have non-regular payments Inap. housing loans were retrieved from variables the consumer loan section (e.g. B4452, B4472, the 1983 imputed dataset. These loans are NOT 50100, which is also derived from B4472.

* Note that some other that were moved into B4459, and B4479) in included in variable

LAND CONTRACTS OR LOANS/NOTES OWED TO HOUSEHOLD 50070 C18. Have you (or anyone in your family living here) ever sold real estate for which you loaned money to the buyer or accepted a note or land contract from the buyer? We do not want to include any property owned by a business which you own or have an interest in. (V401) 1. 5. 50071 C19. Yes No

Does the buyer still owe you money on any of these notes or land contracts? (V402) 1. 5. 0. Yes No Inap. (B3605+B3620+ B3635)

50072

C19b., C19d. Gross present value Code actual amount 0. Inap.

50073

C19i., C19j. Amount owed by household on loan/land contract property (B3607+B3622+ B3637) Code actual amount 0. Inap.

OTHER PROPERTIES 50074 C20. Do you (or anyone in your family living here) own any (other) real estate such as a lot, vacation home, apartment building, or commercial property, or are you purchasing any properties using a land contract? We do not want to include any property owned by a business which you own or have an interest in. (V501,V1402, V1404,V1406)

1. 5. 50075 C22.

Yes No (B3805+B3822+ B3839+b3856)

Gross value

Code actual amount 0. Inap. 50076 C23d. Amount outstanding on mortgage or debt on property (B3806+B3823+ B3840+b3857) Code actual amount 0. Inap. 50084 C23c. Amount monthy payment on loan(s) (B3814+B3831+ B3848)

Code actual amount -1. All contributing loans have non-regular payments 0. Inap. * Note that the fourth property was moved from the "other asset" and "other loan" section (i.e. if k27a.=18 then property information is in b3855-b3858). Also, no monthly payment information from "other asset" and "other loan" section. ADDITIONS AND REPAIRS 50085 D1. Do you (or anyone in your family living here) currently owe any money on loans for improvements on this (house and lot/ apartment/mobile home) for things like repairs, additions, landscaping, or major painting and decorating projects, excluding money owed on mortgages, credit cards, and lines of credit already mentioned? (V601) 1. 5. 50086 D6a. Yes No (B4212+B4232)

Amount outstanding on loan(s) Code actual amount 0. Inap.

50087

D6.

Amount monthly payment on loan(s)

(B4219+B4239)

Code actual amount -1. All contributing loans have non-regular payments 0. Inap. VEHICLES 50088 E11. Do you (or anyone in your family living here) own a car, or any kind of truck, van, motorhome, or jeep-type vehicle, not including any leased vehicles or vehicles owned by a business? (V701) 1. 5. 50089 Yes No (B3902)

Total gross market value of vehicles Code actual amount 0. Inap.

50090

E8.

Is any money owed on (MAKE/MODEL)? 1. 5. 0. Yes No Inap.

loan(s) for this

(V709,V727, V745)

50091

E10a. Amount outstanding on loan(s) Code actual amount 0. Inap.

(B4205)

50092

E10.

Amount monthly payment on loan(s)

(B4279+B4299+ B4319)

Code actual amount -1. All contributing loans have non-regular payments 0. Inap. HH DURABLE AND OTHER DEBT 50093 F1., F1a.-F1c., F2 (REGULAR PAYMENTS ONLY) Excluding credit cards and loans we have already talked about, do you (or anyone in your family here) owe money for any (other) loans on which regular payments are required--such as loans or credit for purchases of large things for the home, such as furniture, a refrigerator, stove, washing machine, television set, air conditioner, other household appliances, and so on? (V801-V804)

1. 5. 50094

Yes No loans with regular payments (B4332+B4352+ B4372)

Amount outstanding on loan(s) Code actual amount 0. Inap.

50095

F6.

Amount monthly payment on loan(s)

(B4339+B4359+ B4379)

Code actual amount -1. All contributing loans have non-regular payments 0. Inap. 50096 F10. (NON-REGULAR PAYMENTS ONLY) Do you (or anyone in your family living here) owe any money on (other) loans which do not require regular payments, for instance, loans on a life insurance policy, or debts to some other person or bank, or employer, a student loan, or a margin account with a broker? (V901) 1. 5. 50097 F14. Yes No (B4392+B4412+ B4432)

Amount outstanding on loan(s) Code actual amount 0. Inap.

50098

F19.

Now thinking of all types of debts, were all payments made the way they were scheduled during the last year, or were payments on any of the loans sometimes made later or missed? (only asked for regular scheduled payments) (B4207) 1. 5. 0. All paid as scheduled Sometimes got behind or missed payments Inap

OTHER LOANS (FOR INVESTMENTS) 50099 K28. Do you (or anyone in your family living here) owe any money not reported previously to make any of the investments you mentioned? (V1408) 1. 5. Yes No

50100

K28a. Amount outstanding on loan(s) Code actual amount 0. Inap.

(B4472)

* See note after variable 50083 concerning other housing loans in B4472. These were separated out before constructing 50100. SAVINGS ATTITUDES H1. Reasons for saving Respondents were asked what the household's most important reasons for saving were. Two variables are provided for answers. This was an open-ended question. 50201(#1) 50202(#2) 1. 2. 3. 11. 12. 13. 14. 15. 16. (B5401) (B5402) Children's education; education of grandchildren Own education; spouse's education; education--NA for whom "For the children/family"--NFS; "to help the kids out" Buying own house (code summer cottage in 12) Purchase of cottage or second home for own use Buy a car Home improvements/repairs To travel; take vacations Buy durable household goods, appliances, home furnishings; hobby items; for other purchases not codable above or not further specified; "buy things when we need/want them"; moving/special occasions Burial; funeral expenses Buying (investing in) own business/farm; equipment for business/farm Retirement; old age Reserves in case of unemployment In case of illness; medical/dental expenses Emergencies; "rainy days"; other unexpected needs; for "security"/independence Investment reasons (to get interest, to be diversified, to buy other forms of assets) To meet contractual commitments (debt repayment, insurance, taxes, etc.); to pay off house "To get ahead"; for the future; to advance standard of living Ordinary living expenses/bills Had extra income; saved because had the money left over--no other purpose specified Wise/prudent thing to do; good discipline to save Other reason Don't/can't save; "have no money" Inap. (No additional reason)

17. 21. 22. 23. 24. 25. 26. 27. 28. 29. 90. 91. 97. -1. 0.

50203

H2.

Attitude

toward risk

(B5403)

Respondents were asked: "Which of the following statements on this card comes closest to the amount of financial risk you are willing to take when you save or make investments?" 1. 2. 3. 4. 50204 H3. 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 (B5404)

Attitude toward liquidity Respondents were asked: "Which of the following statements on this card comes closest to how you feel about tying up your money in investments for long periods of time?" 1. 2. 3. 4.

Tie up money for a long period of time to earn substantial returns Tie up money for an intermediate period of time to earn above average returns Tie up money for a short period of time to earn average returns Not willing to tie up money at all

(A) (B) (C) (D) (E) (F) (G)

Accountant Banker Stock broker Tax adisor Lawyer Spouse Friend or relative

H4, H4a.-H4g. Does household use advice from sources? 50205(A) 50206(B) 50207(C) 50208(D) 50209(E) 50210(F) 50211(G) For each potential source of advice in (A) - (G) above, the respondent indicated whether or not he/she sought advice concerning savings and investment decisions. (B5340) (B5341) (B5342) (B5343) (B5344) (B5345) (B5346)

1. 5.

Yes No

50212

H4.

Other sources of advice Other sources used by the household in making decisions about savings and investment than those listed above. 1. 2. 3. 4. 5. 0.

(B5347)

Financial advisor/counselor Media; reading; Wall Street Journal Insurance agent/company Employer; company where respondent/spouse work Other source None

50213

H5.

Marginal tax rate Respondents were asked: "if you were to earn an extra dollar of income, about what percent would have to be paid in federal income taxes?" (B5405) Code percentage times 10 (1 to 1000) -1. None

50214

H6.

Savings in 1982 Respondents were asked: "Considering all of your savings and reserve funds, overall, did you put more money in or take more money out in 1982?" (B5406) 1. 3. 5. Put more money in Stayed the same, no savings Took more money out

50215

H7.

Source of savings Respondents were asked: "Overall did most of your savings come from your regular income, or did they come originally from gifts and inheritance, or other sources?" (B5407) 1. 2. 3. 4. 5. 6. 7. Mostly saved from income; own pension/social security; profit sharing Mostly from gifts and inheritances Combinations including income (1 & 2, 1 & 4, 1 & 6) Settlements; insurance; lawsuit; divorce Have no savings Investment income; sale of property; interest Other source

50216

H8.

Expect inheritance Respondents were asked if he/she expected to ever receive a large inheritance. (B5408)

1. 5. BUSINESS ASSETS

Yes, expect inheritance No, do not expect inheritance

ACTIVE MANAGEMEMT ROLE BUSINESS(ES) 50077 K25a. Do you (or anyone in your family living here) have an active management role in any of these: own or share ownership in a privately-held business, farm, professional practice, or any type of partnership MENTIONED IN K25.)? (V1302) 1. 5. 50078 Yes No (B3506+B3519)

K26c. Dollar amount owed to household by business(es) Code actual amount -1. None 0. Inap.

50079

K26e. Dollar amount owed to business(es) by household Code actual amount -1. None 0. Inap.

(B3507+B3520)

50080

K26g. Value of household's net share in business(es) Code actual amount -1. Worthless 0. Inap. NON-ACTIVE MANAGEMEMT ROLE BUSINESS(ES)

(B3509+B3522)

50081

K25.

Do you (or anyone in your family living here) have an active management role in any of these: own or share ownership in a privately-held business, farm, professional practice, or any type of partnership MENTIONED IN K25.)? (V1302) K25a. (IF NO TO K25) Do you (or anyone in your family living here) have an active amangement role in any of these (MENTIONED IN K25)? (IF NO, ASSUMED NON-ACTIVE) (V1303) K26m. (IF YES TO K25) Do you (or anyone in your family living there) own or have an interest in any other partnership, privately-held business, a farm, or professional practice. (V1325)

1. Yes (if K25a. = 5) 5. No * Note that if there was an active management role in a business and

if there was an interest in any other ... (i.e. K26m. = 1), then they were set to be a non-active management type. 50082 K26n. Net value of business(es) with no management role (B3501) Code actual amount 0. Inap. FINANCIAL AND OTHER ASSETS, MISC. 50001 K1. Now I'd like to talk about checking accounts that have no restrictions on either minimum check size or maximum number of checks you are allowed to write. Do you (or anyone in your family living here) have any of these checking accounts? (v1101) 1. 5. 50002 K4. Yes No

Total dollar amount in unrestricted checking accounts Code actual amount 0. Inap.

(B3401)

50003

K7. K8.

Do you (or anyone in your family living here) have any Individual Retirement Accounts or IRA's? Do you (or anyone in your family living here) have any Keogh accounts? 1. 5. Yes (if either of the two above) No (if neither of the two above) (v1123) (v1125)

50004

K7a., K8a. Total dollar amount in IRA or KEOGH accounts Code actual amount 0. Inap.

(B3446)

* NOTE: Money market demand accounts (MMDA) are accounts held at insured institutions (i.e. commercial banks, savings and loans, or credit unions). Money market mutual funds (MMMF) are accounts held at uninsured institutions. In the final 1983 dataset, insured money market accounts were separated from uninsured money market accounts. Call accounts were also included with uninsured money market accounts. X50008 removes call money to make 1983 comparable to 1989. The call account is

picked up in 50028. MMDA 50005 K14. Do you (or anyone in your family living here) have any money market mutual fund accounts at a mutual fund company or broker or any money market deposit accounts at commercial banks, savings and loan associations, savings banks, or credit unions? (Excluding the certificate accounts you already mentioned.) (v1142) 1. 5. 50006 Yes No

K14c., K21c., Total dollar amount in MMDA money market accounts Code actual amount 0. Inap. MMMF (B3419)

50007

K14.

Do you (or anyone in your family living here) have any money market mutual fund accounts at a mutual fund company or broker or any money market deposit accounts at commercial banks, savings and loan associations, savings banks, or credit unions? (Excluding the certificate accounts you already mentioned.) (v1142) 1. 5. Yes No

50008

K14c., K21c., Total dollar amount in uninsured MMDA money market accounts (B3420-B3431) Code actual amount 0. Inap.

50009

K11. K12.

Do you (or anyone in your family living here) have any all-savers certificates? (v1136) Do you (or anyone in your family living here) have any seven-day to ninety-day savings certificates, any six-month money market certificates, or repurchase agreements? (v1138)

K13.

Do you (or anyone in your family living here) have any other certificates of deposit or savings certificates, such as small savers or four year certificates? (v1140) 1. 5. Yes (if any of the three above) No (if none of the three above)

50010

K11a., K12a., K13a. Total dollar amount of certificates of deposit Code actual amount 0. Inap. (B3453)

50011

K15.

Do you (or anyone in your family living here) have any savings accounts, including passbook, statement savings, share accounts, or Christmas Club Accounts? (v1201) 1. 5. Yes No

50012

K15c. Total dollar amount in all savings or share accounts Code actual amount 0. Inap.

(B3434)

50013

K19a. Do you (or anyone in your family living here) have any shares in a tax-free Mutual Fund? (v1223) 1. 5. Yes No

50014

K20a. Total dollar amount of shares in tax-free mutual funds (B3463) Code actual amount 0. Inap.

50015

K19b. (Any other) shares in Mutual Funds? 1. 5. Yes No

(v1225)

50016

K20b. Total dollar amount of shares in taxable mutual funds Code actual amount

(B3464)

0. 50017 K16.

Inap.

Do you (or anyone in your family living here) have any U.S. government savings bonds? (v1213) 1. 5. Yes No

50018

K16a. Total face amount of U.S. government savings bonds (B3457) Code actual amount 0. Inap.

50019

K17b. Do you (or anyone in your family) have any state, county, or municipal bonds? (v1218) 1. 5. Yes No

50020

K18b. Total face amount of state, county, or municipal bonds (B3460) Code actual amount 0. Inap.

50021

K17a. Do you (or anyone in your family living here) have any federal government bonds or bills? (v1216) K17c. Any corporate or foreign bonds, or any other bonds? (v1220) 1. 5. Yes (if either of the two above) No (if neither of the two above)

50022

K18a., K18c. Total face amount of federal government bonds or bills plus total face amount of corporate, foreign, or other bonds (B3459+B3461) Code actual amount 0. Inap.

50023

K19c. Publicly traded stock in the company where you (or your family here) work? (v1227) 1. 5. Yes No

50024

K20c. Total dollar amount of publicly traded stock in own company (B3466) Code actual amount 0. Inap.

50025

K19d. Publicaly traded stock held in an investment club or partnership? (v1229) K19e. Any other publicly traded preferred or common stock? (v1231) 1. 5. Yes (if either of the two above) No (if neither of the two above)

50026

K20d., K20e. Total dollar amount of stock held in investment clubs plus total dollar amount of other publicly traded stock (B3465+B3467) Code actual amount 0. Inap.

50027

K21b. Excluding any account you've already mentioned, do you have a cash or call money account at a stock brokerage company? (v1236) 1. 5. Yes No

50028

K21c. Total dollar amountt in call money at brokerage company (B3431) Code actual amount 0. Inap.

* note: 83 call money is always at brokerage co. (inst. type=6 for all cases), 89 call money is mostly held at brokerage cos. but 5 cases rpt call money at a non-brokerage inst.

50029

K22.

Do you (or anyone in your family living here) have other assets in a trust or managed investment account that you have not already mentioned? (v1240) 1. 5. Yes No

50030

K22a. Total dollar amount in trust accounts Code actual amount 0. Inap.

(B3470)

50031

K27., K27a. We have talked about various types of savings and investments. Do you (and your family living here) have any others that we haven't mentioned-- such as a boat, or money loaned or invested with friends or relatives, or antiques, precious metals, gems, or art held for investment purposes? (v1401,v1402 v1404,v1406)

* excludes debts owed to Respondent from family/friends/others 1. 5. 50032 Yes No

K27b. Total dollar amount in other assets (excludes debts owed to Respondent from family/friends/others) (B3483+B3485+ B3487) Code actual amount 0. Inap.

50033

K27., K27a.

We have talked about various types of savings and investments. Do you (and your family living here) have any others that we haven't mentioned-- such as a boat, or money loaned or invested with friends or relatives, or antiques, precious metals, gems, or art held for investment purposes? (v1401,v1402 v1404,v1406) * only includes debts owed to Respondent from family/friends/others 1. 5. 50034 Yes No

K27b. Total dollar amount in debts owed to R from family/friends/others Code actual amount 0. Inap.

(B3483+B3485+ B3487)

50035

K24a. Are these policies term insurance, or are they the type which build up a cash value and you can borrow on them? (v1245) 1. 5. Yes No

50036

K24d. Dollar cash value of whole life insurance Code actual amount 0. Inap.

(B3475)

EMPLOYMENT 50220(H) R1., R1a.-R1d. Job status at the time of the interview 50240(S) S1., S1a.-S1d. Job status at the time of the interview 11. 12. 13. 14. 15. 16. 17. 18. 20. 21. 22. 30. 31. 32. 33. 50. 51. 52. 70. 72. 73. 80. 81. 97. 0. 50221(H) Working more than 20 hours a week Working 20 hours per week or less Retired, work more than 20 hours a week Student, work more than 20 hours a week Housewife, work more than 20 hours a week Unemployed, work more than 20 hours a week Other, work more than 20 hours a week Other, work 20 hours per week or less Laid off, will return Laid off, no return Laid off/other, will return Unemployed, worked before Unemployed, never worked Unemployed, work 20 hours per week or less Unemployed/other not working Retired, not working Retired, work 20 hours per week or less Retired/other not working Student, not working Student, work 20 hours per week or less Student/other, not working Housewife, not working Housewife, work 20 hours per week or less Other, not working Inap. (B4531) (B4610) (B4510)

R2., R2a., R2b.

3 digit 1970 Census of Population occupation code 50241(S) S2., S2a., S2b. 3 digit 1970 Census of Population occupation code (B4631) See other documentation for codes (e. g. 1983 Technical Manual and Codebook)

0. 50222(H) 50242(S) R3. S3.

Inap, not working

3 digit 1970 Census of Population industry code (B4536) 3 digit 1970 Census of Population industry code (B4636) See other documentation for codes (e. g. 1983 Technical Manual and Codebook) 0. Inap, not working Type of employer Type of employer (B4540) (B4640)

50223(H) 50243(S)

R4., R4a., R5. S4., S4a., S5. 1. 2. 3. 4. 5. 6. 7. 8. 0.

Federal government State/local government Public school/college Private school Military Employed by private sector, less than 100 employees Employed by private sector, more than 100 employees Self-employed Inap. (B4543) (B4643)

50224(H) 50244(S)

R6. S6.

Number of years spent working for employer Number of years spent working for employer

Code number of years 0. Inap. For the public use dataset, the number of years with the current employer is top-coded at 50. 50225(H) 50245(S) R7. S7. Reported number of years before expect to leave job Reported number of years before expect to leave job Code number of years (1 to 50) -7. Never retire 0. Inap. 50226(H) 50246(S) R8. S8. Average hours per week worked Average hours per week worked Code number of hours (1 to 95) 0. Inap. 50227(H) 50247(S) R9. S9. Average weeks per year worked Average weeks per year worked (B4545) (B4645) (B4544) (B4644)

(B4551) (B4651)

Code number of hours (1 to 52) 0. Inap. 50228(H) 50248(S) R10. Annual income S10. Annual income Code actual amount 0. Inap. 50229(H) 50249(S) R15., R15a. Pension coverage (current job) S15., S15a. Pension coverage (current job) 1. 2. 3. 4. 5. 6. 7. 8. 0. 50230(H) (B4901) (B5001) (B4546) (B4646)

Covered and vested, anticipates benefits Covered and DK if vested, anticipates benefits Covered but not vested yet, anticipates benefits Covered but not vested yet, does not anticipate benefits Not covered, anticipates will be (pension questions not asked) Not covered, never will be (pension questions not asked) Not covered, DK whether will be in future (pension questions not asked) Self-employed (pension questions not asked) Inap, not currently working

R24., R24a. Participation in tax-deferred compensation or savings plans (thrift-type plans for current job other than primary defined contribution plans)

(B4941)

50250(S)

S24., S24a. Participation in tax-deferred compensation or savings plans (thrift-type plans for current job) 2. 3. 4. 5. 7. 8. 9. 0. (B5041)

Thrift plan, savings plan, savings investment plan Profit sharing plan (exception NFS) Stock option plan, ESOP, stock ownership, stock savings plan Annuity plan Tax sheltered, tax deferred, deferred compensation plan not otherwise codable Company name given, type of account NA Other type Inap, no thrift account (B4946) (B5046)

50231(H) 50251(S)

R23f. Dollar amount in thrift-type account S23f. Dollar amount in thrift-type account Code actual amount 0. Inap.

50232(H) 50252(S)

R23g. Dollar amount withdrawable from thrift-type account now S23g. Dollar amount withdrawable from thrift-type account now Code actual amount -1. None 0. Inap.

(B4947) (B5047)

INCOME T1. We have talked about various sources of income. Now we would like to get the overall picture of all the different sources of income that you (and members of your family living here) had in 1988. Did (you/anyone) have income from wages and salaries, including bonuses, overtime and commissions? (RECORD IN COLUMN T1 AND ASK T2 FOR EACH SOURCE OF INCOME AS IT IS MENTIONED.) In total, how much income from (SOURCE) was received by you (and your family living here) in 1982 before deductions for taxes and anything else? (RECORD IN COLUMN T2.)

T2.

50260

T1a.

Income in wages and salary? 1. 5. Yes (B3205 ne 0) No (B3205 eq 0)

(B3205)

50261

T2a.

Income in wages and salary Code actual amount 0. Inap.

(B3205)

50262

T1b.

Income from a professional practice, business, or farm? 1. 5. Yes (B3206 ne 0) No (B3206 eq 0)

(B3206)

50263

T2b.

Income from a professional practice, business, or farm Code actual amount 0. Inap.

(B3206)

50264

T1c.

Income from non-taxable investments such as IRA's or municipals? 1. Yes (B3207 ne 0)

(B3207)

5. 50265 T2c.

No

(B3207 eq 0)

Income from non-taxable investments such as IRA's or municipals? Code actual amount 0. Inap.

(B3207)

50266

T1d.

Taxable interest income? 1. 5. Yes (B3208 ne 0) No (B3208 eq 0)

(B3208)

50267

T2d.

Taxable interest income Code actual amount 0. Inap.

(B3208)

50268

T1e.

Dividend income? 1. 5. Yes (B3209 ne 0) No (b3209 eq 0)

(B3209)

50269

T2e.

Dividend income Code actual amount 0. Inap.

(B3209)

50270

T1f.

Net gains from the sale of stocks/bonds, or real estate? (B3210) 1. 5. Yes (B3210 ne 0) No (B3210 eq 0)

50271

T2f.

Net gains from the sale of stocks/bonds, or real estate (B3210) Code actual amount 0. Inap.

50272

T1g.

Rent, trust income, or royalties from another investment? 1. 5. Yes (B3211 ne 0) No (B3211 eq 0)

(B3211)

50273

T2g.

Rent, trust income, or royalties from another investment Code actual amount

(B3211)

0. 50274 T1h.

Inap. (B3212)

Worker's or unemployment compensation income? 1. 5. Yes (B3212 ne 0) No (B3212 eq 0)

50275

T2h.

Worker's or unemployment compensation income Code actual amount 0. Inap.

(B3212)

50276

T1j.

Child support, alimony, inheritance, gifts, financial support? 1. 5. Yes (B3213 ne 0) No (B3213 eq 0)

(B3213)

50277

T2j.

Child support, alimony, inheritance, gifts, financial support Code actual amount 0. Inap.

(B3213)

50278

T1k.

ADC, AFDC, food stamps, SSI, welfare, other public assistance? 1. 5. Yes (B3214 ne 0) No (B3214 eq 0)

(B3214)

50279

T2k.

ADC, AFDC, food stamps, SSI, welfare, other public assistance Code actual amount 0. Inap.

(B3214)

50280

T1m.

Retirement, annuity, pension, disability, survivor, benefits? (B3215) 1. 5. Yes (B3215 ne 0) No (B3215 eq 0)

50281

T2m.

Retirement, annuity, pension, disability, survivor, benefits (B3215) Code actual amount 0. Inap.

50282

T1n.

Other income?

(B3216)

1. 5. 50283 T2n.

Yes (B3216 ne 0) No (B3216 eq 0) (B3216)

Other income Code actual amount 0. Inap.

T1n. 50284(#1) 50285(#2)

Sources of other income (B3217) (B3218) 1. 2. 3. 4. 0. Settlements from lawsuits, divorce, insurance Gambling winnings Educational scholarships or grants, GI bill, fellowship Other source Inap. (B3201)

50286

T3.

Total 1982 gross (pre-tax) household income Code actual amount 0. Inap.

V. OTHER 1989 VARIABLES ----------------------Valid values of the J-variables for variables in this section include: 0 1 = value reported on original dataset (includes values reported in the questionnaire that were alered during editing). = question is inapplicable (e.g., R has no checking account so value of checking account is coded as zero -- NOTE: zero is a legitimate value for X-variables only for this value of the associated J-variable). = evidence from problem sheets that data moved from another location, but no evidence that value was altered, or data moved. = evidence from problem sheets that data moved from another location, and evidence that value was somehow altered based on margin notes or other information. = evidence that data imputed from marginal notes. = 83/86 value brought forward. = recode of survey variables, no missing values in antecedents. = recode of survey variables, insufficient data collected to compute value, but not imputed.

2 3

4 5 8 9

12 = in case of regular installment loans where term is DK, non-missing typical payment moved to monthly payment section. 13 14 15 16 17 18 = = = = = = coded value overridden after editing completed. inapplicable given hard-code decision (15). hard-coded imputation determined during cleaning. override of reported 89 data with 86 data. override of reported 89 data with 83 data. other panel override of reported data (combination of 16 & 17, logical consistency, misc. intuition).

19 = imputation of missing 89 data using 86 data. 20 = imputation of missing 89 data using 83 data. 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 = = = = = = = = = = = = = = = = = = = = range range range range range range range range range range range range range range range range range range range range card card card card card card card card card card card card card card card card card card card card response response response response response response response response response response response response response response response response response response response response A: $1 to $500. B: $501 to $1,000. C: $10,01 to $2,500. D: $2,500 to $10,000. E: $10,001 to $50,000. F: $50,001 to $250,000. G: $250,001 to $1,000,000. H: $1,000,001 to $10,000,000. I: $10,000,001 to $100,000,000. J: more than $100,000,000. < 0 A: -$1 to -$500. < 0 B: -$501 to -$1,000. < 0 C: -$10,01 to -$2,500. < 0 D: -$2,500 to -$10,000. < 0 E: -$10,001 to -$50,000. < 0 F: -$50,001 to -$250,000. < 0 G: -$250,001 to -$1,000,000. < 0 H: -$1,000,001 to -$10,000,000. < 0 I: -$10,000,001 to -$100,000,000. < 0 J: less than -$100,000,000.

44 = value < 0, amount DK 45 = value < 0, amount NA 49 = variable imputed during editing from margin notes, reimputed. 50 = original response was DK. 51 = original response was NA (includes refusals, interviewer errors, and missing data resulting from editing decisions). Does not include data missing as a result of missing higer-order questions. 52 = original response missing as a result of missing information for a higher-order question (typically a YES/NO cut question). In this case, the higher-order question has been imputed in such a way as to render response appropriate. 53 = refused (available only for aggregate income, income range questions, whether filed tax return, and AGI: T3/4/7b/7d). 54 = some, DK how many (see B6). 79 = data missing becaue of questionnaire error, or data not collected 80 = recode variable, missing because data not collected for a sub-group, data to be imputed.

81 = recode variable, some, but not all components originally missing. 82 = recode variable, all components originally missing. 88 = for property value, only assessed value given. 98 = override of reported information (e.g., R says has 1 IRA, but 2 institution types reported) -- value set to missing. 99 = used for absent spouse for J104 or J105 when X104 OR X105 < 0. 100 = Value set to missing while problem with case is being resolved (temporary code). ************************************************************************* The following set of j-codes correspond to variables that were created and/or updated using panel information from 1983,1986, as well as 1989. ************************************************************************* 183 = demographic and employment recodes for panel and panel/cross-section cases: only 83 data missing. 184 = employment recodes for panel and panel/cross-section cases: 83 and 86 data missing. 185 = demographic and employment recodes for panel and panel/cross-section cases: 83 and 89 data missing. 186 = demographic, marital history, and employment recodes for panel and panel/cross-section cases: only 86 data missing. 187 = demographic, marital history, and employment recodes for panel and panel/cross-section cases: 86 and 89 data missing. 188 = marital history and employment recodes for panel and panel/cross-section cases: 83,86 and 89 data missing. 189 = demographic, marital history, and employment recodes for panel and panel/cross-section cases: only 89 data missing. 200 = marital history variable set to missing due to irreconcilable inconsistencies between 1986 and 1989 data. There are no K-variables for any variables in this section. ----------------------------------------------------------------------------MISC. DATA ----------------------------------------------------------------------------XX1 Original case ID (4-digit) -- identical for all 3 imputation replicates Case ID's for New X Section 0001-2000 Case ID's for Panel Sample 2001 - X Section only Iw's 3001 - Panel and X Section 4001 - Panel only Iw 1 New ID number -- XX1*10 + imputation replicate number (1-5)

2

1.

IWER ID No. (4-digit) .N NA

3

3.

Start Date of IW--MONTH (*Month 6-12=1989, 1-5=1990) Code MONTH .N NA If only one date is given, code it as the start date and code zero's for end date.

4

3.

Start Date of IW--DAY Code DAY .N NA

8095

R

Start date of IW--YEAR Code YEAR

5

3.

End Date of IW--MONTH Code MONTH .N NA 0. Only one date given

6

3.

End Date of IW--DAY Code DAY .N NA 0. Only one data given

7

4.

Length of IW Code MINUTES .N NA

8

6.

Mode of Interview 1. 2. Face-to-Face (include New X Section) Telephone

9

Precode for List Sample (from Field Office list) 1. 5. Yes, "SPEC" precoded on facesheet Not in Special Sample

10

SAMPLE ID (8 digit) All 0 for new Cross Section sample (Iw's 001-1999) For Panel Sample (2001, 3001, 4001 series), see HOUSEHOLD

LISTING UPDATE SHEET

----------------------------------------------------------------------------HOUSEHOLD LISTING ----------------------------------------------------------------------------8000 R: Respondent and spouse variables reversed to male and spouse/partner in all subsequent occurences in dataset (data rearranged except when male not living at sampled address). Also, all response categories altered to reflect this change. 1. REVERSED 5. NOT REVERSED 13 18 Respondent: Spouse: Age computed from date of birth Code age .N 14 19 NA

Respondent: "Imputed age" Spouse: "Imputed age" (IF HHL AGE=COMPUTED AGE, THE IMPUTED AGE=SAME. IF HHL AGE=COMPUTED AGE +/- 2 YEARS, THEN IMPUTED AGE= COMPUTED AGE (I.E., BASED ON DATE OF BIRTH). IN ALL OTHER CASES, COMPUTED AGE DERIVED BY EDITORS FROM BEST INFORMATION AVAILABLE IN THE IW.) (IMPUTED AGE WAS BE USED IN CONVERSIONS OR CALCULATIONS INVOLVING AGE OF R/S.) Code age

100

ABSENT SPOUSE: 1. 5. 0.

Income, debts, assets

Included in Iw Not included in Iw Inap. (No absent spouse) # persons in HHL

101

SUMMARY:

Code total # of persons in HHL 8020(#1) 102(#2) 108(#3) 114(#4) 120(#5) Before we start the interview, I need to (re-)list the people who live here and obtain some basic information about each one. Let's start with you--how old are you? HHL-A. Relationship to Respondent

126(#6) 132(#7) 202(#8) 208(#9) 214(#10 220(#11) 226(#12)

If a spouse or partner 1. RESPONDENT is present in HH, he/ 2. Spouse of Respondent she must be coded as 3. "Partner" of Respondent person #2. 4. Child (incl. in-laws) 13. Child of Partner Child (04) here 5. Grandchild includes step and 6. Parent (incl. in-laws) adopted children 7. Grandparent (incl. in-laws) and child's spouse. 8. Aunt/uncle Code foster child 9. Cousin in 36. 10. Niece/nephew 11. Sister/brother (incl. in-laws) 12. Great grandchild 29. Other relative 31. Roommate 32. "Friend" (exc. 3) 33. Relative of Partner (except Child, code 13) 34. Boarder or roomer/lodger 35. Paid help (maid, etc.) 36. Foster child 39. Other unrelated person 45. Absent spouse (I created this one) 0. Inap. (No further persons) For the public use dataset, Absent spouse (45) and Spouse of Respondent (2) are combined in (2) for the second variable. HHL-B. SEX 1. 2. 0. Male Female Inap. (No further persons)

8021(#1) 103(#2) 109(#3) 115(#4) 121(#5) 127(#6) 133(#7) 203(#8) 209(#9) 215(#10) 221(#11) 227(#12)

8022(#1) 104(#2) 110(#3) 116(#4) 122(#5) 128(#6) 134(#7) 204(#8) 210(#9) 216(#10) 222(#11) 228(#12)

HHL-C. AGE Code AGE 1. 0. One year or less Inap. (No further persons)

For all ages after X104 (spouse's age), the ages are rounded to the nearest 5 years

HHL1.

8023(#1) 105(#2) 111(#3) 117(#4) 123(#5) 129(#6) 135(#7) 205(#8) 211(#9) 217(#10) 223(#11) 229(#12)

(ASK OF ALL PERSONS 18 AND OLDER, EXCEPT SPOUSE) (Are you/Is [RELATIONSHIP] currently married or living with a partner, separated, divorced, widowed, or (have you/has [he/she]) never been married? (RECORD IN COL. D. ABOVE.) HHL-D. MARITAL STATUS (M) Married (P) Living with a partner If Person is 17 or (S) Separated less, assume marital (D) Divorced status=6, do not code (W) Widowed NA for persons 0-17. (NM) Never married Married but spouse in institution (nursing home/jail) or outside U.S. (not available to be sampled elsewhere) 8. Married but spouse not current resident of HU or in institution (samplable at another residence) 12. Corresponds to 7 for spouse field 13. Corresponds to 8 for spouse field 0. Inap. (No further persons; person under 18) NOTE: in some cases, interviewers asked this question of people who were aged less than 18. These cases were reviewed, and all responses were set to zero except for a few cases where the person might plausibly be married. However, it is important to note that because this question was not asked of everyone under 18, this set of married people under 18 is not indicative of the true number of such individuals. HHL2. (ASK FOR ALL PERSONS 18 YEARS AND OLDER, EXCEPT RESPONDENT AND SPOUSE) Does (he/she) usually live here? (RECORD IN COL. E. ABOVE.) HHL-E. USUALLY LIVES HERE? 1. 2. YES (incl. R and Spouse/Partner) Child (17 and under) living in HU for part of each year 3. Child (18 and over) away at college part of year 4. Other adult living in this HU for part of each year 5. NO 0. Inap. (No further persons; person under 18) NOTE: in some cases, interviewers asked this question of people who were aged less than 18. It is important to note that because this question was not asked of everyone under 18, this distinction does not necessarily relect the true distribution of the population. 1. 2. 3. 4. 5. 6. 7.

8024(#1) 106(#2) 112(#3) 118(#4) 124(#5) 130(#6) 136(#7) 206(#8) 212(#9) 218(#10) 224(#11) 230(#12)

HHL4.

(ASK ABOUT ALL [related] ADULTS 22 YEARS AND OLDER EXCEPT RESPONDENT AND SPOUSE) Does (RELATIONSHIP) depend on you (and your [husband/wife]) for most of (his/her) support or is (he/she) financially independent for the most part? (RECORD IN COL. F. ABOVE.)

8098(#1) 107(#2) 113(#3) 119(#4) 125(#5) 131(#6) 137(#7) 207(#8) 213(#9) 219(#10) 225(#11) 231(#12)

HHL-F. 1. 2. 3. 4. 5. 0. FINANCIALLY DEPENDENT; R (Unit #1) INDEPENDENT FINANCES--Unit " " --Unit " " --Unit " " --Unit Inap. (No further persons, under 22) #2 #3 #4 #5 person Col F should be coded/edited for each individual listed. Codes 2-5 will be edited in green.

NOTE: in some cases, interviewers asked this question of people who were aged less than 22. However, it is important to note that because this question was not asked of everyone under 22, this distinction does not necessarily reflect the true distribution of the population.

----------------------------------------------------------------------------FINANCIAL INSTITUTIONS ----------------------------------------------------------------------------305 A5. The next few questions are about the financial institutions that you do business with. How many financial institutions do you (and your family living here) have accounts with or regularly do personal financial business with? Include banks, savings and loans, credit unions, loan companies, and brokerages. Do not include institutions where you have only a credit card account. Code NUMBER -1. NONE 306 A5k. Can you (or your family living here) deposit or withdraw money from (this institution/any of these institutions) using an automated teller machine or ATM? 1. 5. 0. YES NO Inap. (No institutions listed, no further institutions)

308(#1) 312(#2) 316(#3) 320(#4) 324(#5) 328(#6)

A6.

(About Institution #[1/2/3/4/5/6]), what kind of institution is this? (Is it a commercial bank, a savings and loan or savings bank, a credit union, a finance or loan company, a brokerage, or what?) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No institutions listed, no further institutions)

For the public use dataset, different institution cells are

collapsed for different variables. The SAS code that performs this collapsing is given after the master list below. FINANCIAL INSTITUTIONS MASTER REFERENCE LIST 1. 2. 3. 4. 5. 6. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 31. 32. 33. 34. 35. 37. 38. 39. 40. 41. 42. 50. 51. 61. 92. 93. 94. 95. -1. -7. Institution #1 from Card A Institution #2 from Card A Institution #3 from Card A Institution #4 from Card A Institution #5 from Card A Institution #6 from Card A Commercial bank; "trust company" Savings & loan association or savings bank Credit union Finance or loan company Store or dealer Brokerage company; "mutual fund"--NFS Insurance company Mortgage company Contractor or developer Prior owner Automobile finance company; GMAC; Ford CDT Doctor or hospital; dentist Lawyer Accountant Employer Friend or relative (not codeable above) Individual lender (not codeable above) Real estate (investment) company School/college/university Local/county/state government (exc. 42) Special federal government agency: FMHA; SBA; VA; FHA; HUD; NDSL Federal government general or NA agency; IRS (83=K22b only; 89=N45 only) Self/spouse (manages own trust) Bank or general purpose credit card company: VISA; Carte Blanche; MasterCard (except American Express, code 51) Union Church AARP (American Association of Retired Persons) Courts (Sears)/Discover Card (V415-418 only) (Code "Sears" mention in 15) American Express/Optima Card Other membership organization: AAA; NEA; NTA (V415-418 only) Money market (mutual) funds, NFS Farm related lenders, not codeable above or NA if membership group or government agency Investment/management companies or consultants--NEC Non-financial institution (exc. 40-42, 61) Combinations of types of financial institutions OTHER

*************************************************************************** code to collapse institution cells

*************************************************************************** ARRAY INST1 {*} X308 X312 X316 X320 X324 X328; DO I=1 TO DIM(INST1); IF (INST1{I}=15 OR INST1{I}=19 OR INST1{I}=32 OR INST1{I}=40) INST1{I}=-7; END; END; ARRAY INST2 {*} X415 X416 X417 X418; DO I=1 TO DIM(INST2); IF (INST2{I}=32 OR INST2{I}=92) THEN DO; INST2{I}=-7; END; END; ARRAY INST3 {*} X817 X917 X1017 X1046; DO I=1 TO DIM(INST3); IF (INST3{I}=13 OR INST3{I}=15 OR INST3{I}=32 OR INST3{I}=94) INST3{I}=-7; END; END; ARRAY INST4 {*} X1112 X1123 X1134; DO I=1 TO DIM(INST4); IF (INST4{I}=34) THEN DO; INST4{I}=-7; END; END; IF (X1217=13 OR X1217=27) THEN X1217=-7; ARRAY INST6 {*} X1728 X1828 X1928; DO I=1 TO DIM(INST6); IF (INST6{I}=13 OR INST6{I}=31 OR INST6{I}=32 OR INST6{I}=35 OR INST6{I}=94) INST6{I}=-7; END; END; ARRAY INST7 {*} X2220 X2320 X2420 X2521 X2621; DO I=1 TO DIM(INST7); IF (INST7{I}=18 OR INST7{I}=20 OR INST7{I}=39) THEN DO; INST7{I}=-7; END; END; ARRAY INST8 {*} X2725 X2742 X2825 X2842 X2925 X2942; DO I=1 TO DIM(INST8); IF (INST8{I}=20 OR INST8{I}=25 OR INST8{I}=42 OR INST8{I}=61 OR INST8{I}=93) INST8{I}=-7; END; END; ARRAY INST9 {*} X3505 X3509 X3513 X3517 X3521 X3525; DO I=1 TO DIM(INST9); IF (INST9{I}=25 OR INST9{I}=92) THEN DO; INST9{I}=-7; END; END; ARRAY INST10 {*} X3606 X3607 X3608 X3609 X3616 X3617 X3618 X3619 X3626 X3627 X3628 X3629; DO I=1 TO DIM(INST10); IF (INST10{I}=40 OR INST10{I}=93) THEN DO; INST10{I}=-7;

THEN DO;

THEN DO;

THEN DO;

THEN DO;

END; END; ARRAY INST11 {*} X3705 X3710 X3715; DO I=1 TO DIM(INST11); IF (INST11{I}=61) THEN DO; INST11{I}=-7; END; END; ARRAY INST12 {*} X3722 X3723 X3724 X3725; DO I=1 TO DIM(INST12); IF (INST12{I}=17 OR INST12{I}=94) THEN DO; INST12{I}=-7; END; END; ARRAY INST13 {*} X3803 X3806 X3809 X3812 X3815; DO I=1 TO DIM(INST13); IF (INST13{I}=17 OR INST13{I}=92 OR INST13{I}=93) THEN DO; INST13{I}=-7; END; END; ARRAY INST15 {*} X3943 X3944 X3945 X3946; DO I=1 TO DIM(INST15); IF (INST15{I}=12 OR INST15{I}=31 OR INST15{I}=33 OR INST15{I}=34 OR INST15{I}=35 OR INST15{I}=61) THEN DO; INST15{I}=-7; END; END; *************************************************************************** 309(#1) 313(#2) 317(#3) 321(#4) 325(#5) 329(#6) A7. How (do you/does your family) typically do business with this institution (--by ATM, in person, by mail, by phone, or some other way)? (NOT ASKED IF NON-FINANCIAL INST.) 1. 2. 3. 4. 5. 6. -7. 0. BY ATM IN PERSON--R or R's messenger If adjacent boxes BY MAIL checked, code BY PHONE smallest number. Payroll deduction; direct deposit DON'T DO REG. BUSINESS OTHER Inap. (No institutions listed, no further institutions)

310(#1) 314(#2) 318(#3) 322(#4) 326(#5) 330(#6)

A8.

Roughly, how many miles is the office or ATM of this institution from the home or workplace of the person who uses it most often? (ACCEPT RANGE.) (IF R ASKS: WE WANT THE CLOSER OF THE DISTANCE FROM HOME OR WORKPLACE.) (NOT ASKED IF NON-FINANCIAL INST.) Code MILES 51. -1. -7. 0. OVER 50 MILES LESS THAN A MILE LOCAL PHONE OR POST BOX Inap. (No institutions listed, no further

institutions) ----------------------------------------------------------------------------CREDIT CARDS ----------------------------------------------------------------------------410 B5. Now I have some questions about credit cards. Do you (or anyone in your family living here) have any credit cards? 1. 5. YES NO

TYPES OF CREDIT CARDS #1: bank-type cards #2: store cards #3: gasoline cards #4: general purpose cards #5: other types of cards 411 419 422 425 428 (#1) (#2) (#3) (#4) (#5) B6-A. How many different (TYPE) credit card accounts such as (EXAMPLES) do you (and your family living here) have? (READ ONCE: Please do not count duplicate cards for the same account or any business or company accounts.) Code # ACCTS -1. NONE 0. Inap. (No credit cards) For the public use dataset, the number of credit cards is top-coded at 20. 412 420 423 426 429 (#1) (#2) (#3) (#4) (#5) B7-A. During the last month, roughly how much were the new charges made to (this/all these) (TYPE) account(s)?

Code $ amount -1. NONE 0. Inap. (No credit cards, no TYPE cards)

413 421 424 427 430

(#1) (#2) (#3) (#4) (#5)

B8-A.

After the last payment(s) (was/were) made on (this/these) account(s), roughly what was the balance still owed on (this/all these) (TYPE) account(s)? Code $ amount -1. NONE 0. Inap. (No credit cards, no TYPE cards)

414 (#1)

B9.

What is the maximum amount you could borrow on (this/all of these) bank-type account(s); that is, what is your total credit limit?

Code actual amount -1. NONE/No limit 0. Inap. (No credit cards, no bank-type cards)

415 416 417 418

(#1a) (#1b) (#1c) (#1d)

B10.

Please look at Card A. (Is this/are these) with any of the institution(s) on Card A, or from someplace else? (CHECK ALL THAT APPLY.) [IF CARD A: Which institution(s)?] [IF "SOMEPLACE ELSE": What type(s) of institution(s)?] Code up to 4 mentions See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No credit cards, no bank-type cards, no additional institutions)

9082(#1a) 9151(#1b) 9152(#1c) 9153(#1d)

R.

Type of institution Code type of intsitution See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No credit cards, no bank-type cards, no additional institutions)

432

B12.

Thinking only about bank cards or store cards, do you almost always, sometimes, or hardly ever pay off the total balance owed on the account each month? 1. 3. 5. 0. ALMOST ALWAYS SOMETIMES HARDLY EVER Inap. (No credit cards, no bank or store credit cards)

----------------------------------------------------------------------------PRINCIPAL RESIDENCE ----------------------------------------------------------------------------501 D1. INTERVIEWER CHECKPOINT 1. R LIVES ON A RANCH OR FARM 2. R LIVES IN A MOBILE HOME 3. ALL OTHERS

R LIVES ON FARM/RANCH 502 D2. Now I have some questions about this property. many acres is this (farm/ranch)? About how

Code ACRES For the public use dataset, the number of acres is top-coded at 50000, and rounded to the nearest 5. 0. Inap. (Does not live on a farm)

503

D3.

Do you (or anyone in your family living here) operate a farming or ranching business on this property? 1. 5. 0. YES NO Inap. (Does not live on a farm)

504

D3a.

Do you (or anyone in your family living here) rent out any part of this property to others? 1. 5. 0. YES NO Inap. (Does not live on a farm, farm business)

505

D3b.

How much rent do you collect each month?--$ AMOUNT Code actual amount -7. Other; non-cash rent 0. Inap. (Does not live on a farm, farm business, no rent)

506

D3b.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (Does not live on a farm, farm business, no rent)

507

D4.

What part of this property is used for the farming or ranching business? Code PERCENT to 2 decimal places 9995. ALMOST ALL -1. VERY LITTLE 0. Inap. (Does not live on a farm, no farm business)

508

D5.

What is the legal ownership status of this (farm/ranch). Do you (or your family living here) own this (farm/ranch), do you own part of it, do you rent it, is it all owned by a business, or what? 1. 2. 3. 4. -7. OWNS ALL OWNS PART RENTS OWNED BY A BUSINESS OTHER

0. R OWNS ENTIRE FARM 509 D5a.

Inap. (Does not live on a farm, no farm business)

Does the (farming/ranching) business pay any rent for the use of the property? 1. 5. 0. YES NO Inap. (Does not live on a farm, no farm business, does not own entire farm)

510

D5b.

How much rent do you (or your family living here) collect each month?--$ AMOUNT Code actual amount -7. Other; not-cash rent 0. Inap. (Does not live on a farm, no farm business, does not own entire farm, business does not pay rent)

511

D5b.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (Does not live on a farm, no farm business, does not own entire farm, business does not pay rent)

512

D5c.

Could you tell me the present value of this house and the immediately surrounding land? I mean, about what would it bring if it were sold today? Code actual amount 0. Inap. (Does not live on a farm, no farm business, does not own entire farm)

513

D5d.

I will ask you more about the business operation later. The rest of the questions in this section will refer to the entire property. Could you tell me the present value of this entire property--that is, what would it bring if it were sold today? Code actual amount 0. Inap. (Does not live on a farm, no farm business, does not own entire farm)

FARM OWNED BY A BUSINESS 514 D5e. Do you (or your family living here) pay the business any rent for this house? 1. 5. 0. YES NO Inap. (Does not live on a farm, no farm business, farm not owned by a business)

515

D5f.

In what month and year did you move into this (farm/ranch)?--MONTH Code MONTH 0. Inap. (Does not live on a farm, no farm business, farm not owned by a business)

516

D5f.

In what month and year did you move into this (farm/ranch)?--YEAR Code YEAR 1901. 1901 or earlier 0. Inap. (Does not live on a farm, no farm business, farm not owned by a business)

R OWNS PART OF FARM/RANCH 517 D6. Does the (farming/ranching) business pay you (or your family living here) any rent for the use of the property? 1. 5. 0. YES NO Inap. (Does not live on a farm, no farm business, does not own part of farm)

518

D6a.

How much rent do you (or your family living here) collect each month? Code actual amount -7. Other 0. Inap. (Does not live on a farm, no farm business, does not own part of farm, farm does not pay rent)

519

D6a.

PER 2. 3. 4. 5. 6. -7. Week Biweekly Month Quarter Year Other

0.

Inap. (Does not live on a farm, no farm business, does not own part of farm, farm does not pay rent)

520

D7.

Do you (or anyone in your family living here) pay any rent for this property? 1. 5. 0. YES NO Inap. (Does not live on a farm, no farm business, does not own part of farm)

521

D7a.

How much rent do you (or your family living here) pay each month? Code actual amount -7. Other 0. Inap. (Does not live on a farm, no farm business, does not own part of farm, does not pay rent)

522

D7a.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (Does not live on a farm, no farm business, does not own part of farm, does not pay rent)

523

D8.

I will ask you more about the business operation later. Now I'd like to ask about the part of the property that you (and your family living here) personally own. About what percent of the total property is that? Code PERCENT to 2 decimal places 0. Inap. (Does not live on a farm, no farm business, does not own part of farm)

524

D9.

Do you (or anyone in your family living here) own this house and the immediately surrounding land? 1. 5. 0. YES NO Inap. (Does not live on a farm, no farm business, does not own part of farm)

525

D9a.

Could you tell me the present value of just this house and lot? I mean, about what would it bring if it were sold today? Code actual amount

0.

Inap. (Does not live on a farm, no farm business, does not own part of farm)

526

D10.

Could you tell me the present value of the entire part of the property you own? I mean, what would it bring if it were sold today? Code actual amount 0. Inap. (Does not live on a farm, no farm business, does not own part of farm)

R LIVES IN MOBILE HOME 601 D11. Now I have some questions about your home. Do you (or your family living here) own both this mobile home and site or lot, do you own only the mobile home, do you own only the site, do you rent both the home and site, or what? 1. 2. 3. 4. -7. 0. R OWNS ONLY SITE 602 D11a. About how much rent do you pay on this home each month? Code -1. -7. 0. actual amount Nothing; zero Other Inap. (Does not liven in mobile home, other than owns only site of mobile home) OWN BOTH HOME AND SITE OWN ONLY SITE OWN ONLY HOME RENT BOTH NEITHER OWNS NOR RENTS Inap.

603

D11a.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (Does not liven in mobile home, other than owns only site of mobile home)

604

D11b.

Could you tell me the present value of the site? I mean, about what would it bring if it were sold today? Code actual amount

0.

Inap. (Does not liven in mobile home, other than owns only site of mobile home)

605

D11c.

In what month and year was this site purchased?--MONTH Code MONTH 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home)

606

D11c.

In what month and year was this site purchased?--YEAR Code YEAR 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home)

607

D11d.

How much did this site cost when it was purchased? Code actual amount 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home)

608

D11d.

GIFT/INHERITANCE 1. 5. 0. Checked Not checked Inap. (Does not liven in mobile home, other than owns only site of mobile home)

R NEITHER OWNS NOR RENTS MOBILE HOME 609 D11e. How is that? 1. 2. 3. 4. 5. -7. 0. Housing is part of job compensation; live-in servant; housekeeper; gardener; farm laborer Housing is a gift paid for by someone outside HU; owned by relative outside HU; R pays only taxes Sold home, has not moved yet Living in house which will inherit; estate in process Living in temporary quarters (garage, shed) while home is under construction Other Inap. (Does not liven in mobile home, owns or rents mobile home)

610

D11f.

In what month and year did you move into this mobile home? --MONTH Code MONTH 0. Inap. (Does not liven in mobile home, owns or rents mobile home)

611

D11f.

In what month and year did you move into this mobile home? --YEAR Code YEAR 0. Inap. (Does not liven in mobile home, owns or rents mobile home)

R OWNS ONLY MOBILE HOME 612 D12. About how much rent do you pay on this site each month? Code -1. -7. 0. actual amount Zero; pays no rent Other Inap. (Does not liven in mobile home, other than owns only mobile home)

613

D12.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (Does not liven in mobile home, other than owns only mobile home)

614

D12a.

Could you tell me the present value of this mobile home? I mean, about what would it bring if it were sold today? Code actual amount 0. Inap. (Does not liven in mobile home, other than owns only mobile home)

615

D12b.

In what month and year was this mobile home purchased? --MONTH Code MONTH 0. Inap. (Does not liven in mobile home, other than owns only mobile home)

616

D12b.

In what month and year was this mobile home purchased? --YEAR Code YEAR 0. Inap. (Does not liven in mobile home, other than owns only mobile home)

617

D12c.

How much did this mobile home cost when it was purchased? Code actual amount 0. Inap. (Does not liven in mobile home, other than owns only mobile home)

618

D12c.

GIFT/INHERITANCE 1. 5. 0. Checked Not checked Inap. (Does not liven in mobile home, other than owns only mobile home)

R RENTS MOBILE HOME AND SITE 619 D13. About how much rent do you pay on this home and site each month? Code actual amount -7. Other 0. Inap. (Does not liven in mobile home, does not rent mobile home and site) 620 D13. PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (Does not liven in mobile home, does not rent mobile home and site)

621

D13a.

In what month and year did you move into this mobile home? --MONTH Code MONTH 0. Inap. (Does not liven in mobile home, does not rent mobile home and site)

622

D13a.

In what month and year did you move into this mobile home? --YEAR Code YEAR 0. Inap. (Does not liven in mobile home, does not rent mobile home and site)

R OWNS BOTH MOBILE HOME AND SITE

623

D14.

Could you tell me the present value of this home and site? I mean, about what would they bring if they were sold today? Code actual amount 0. Inap. (Does not liven in mobile home, does not own mobile home and site)

624

D15.

Were the site and mobile home purchased separately? 1. 5. 0. YES NO Inap. (Does not liven in mobile home, does not own mobile home and site)

625

D15a.

In what month and year was this mobile home purchased? --MONTH Code MONTH 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together)

626

D15a.

In what month and year was this mobile home purchased? --YEAR Code YEAR 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together)

627

D15b.

How much did the mobile home cost when it was purchased? Code actual amount 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together)

628

D15b.

GIFT/INHERITANCE 1. 5. 0. Checked Not checked Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together)

629

D15c.

In what month and year was this site purchased?--MONTH Code MONTH 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and

site purchased together) 630 D15c. In what month and year was this site purchased?--YEAR Code YEAR 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 631 D15d. How much did this site cost when it was purchased? Code actual amount 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 632 D15d. GIFT/INHERITANCE 1. 5. 9. 0. Checked Not checked NA Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together)

633

D15e.

In what month and year was this mobile home and site purchased?--MONTH Code MONTH 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased separately)

634

D15e.

In what month and year was this mobile home and site purchased?--YEAR Code YEAR 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased separately)

635

D15f.

How much did the mobile home and site cost when they were purchased? Code actual amount 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased separately)

636

D15f.

GIFT/INHERITANCE

1. 5. 0.

Checked Not checked Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased separately)

701

D16.

Now I have some questions about your home. Do you (and your family living here) own this (house and lot/apartment/farm/ranch), do you pay rent, do you own it as a part of a condo, co-op, townhouse association, or what? 1. 2. 3. 4. 5. -7. 0. OWNS OR IS BUYING; LAND CONTRACT PAYS RENT CONDO CO-OP TOWNHOUSE ASSOC. NEITHER OWNS NOR RENTS Inap. (Lives on farm run as business, lives in mobile home)

703

D16b.

How much are your condo/co-op/townhouse association) fees? Code actual amount -1. NONE/No regular payment/No typical payment 0. Inap. (Lives on farm run as business, lives in mobile home, house not condo/co-op/townhouse)

704

D16b.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (Lives on farm run as business, lives in mobile home, house not condo/co-op/townhouse)

R NEITHER OWNS NOR RENTS 705 D16c. How is that? 1. 2. 3. 4. 5. -7. Housing is part of job compensation; live-in servant; housekeeper; gardener; farm laborer Housing is a gift paid for by someone outside HU; owned by relative outside HU; R pays only taxes Sold home, has not moved yet Living in house which will inherit; estate in process Living in temporary quarters (garage, shed) while home is under construction Other

0.

Inap. (Lives on farm run as business, lives in mobile home, owns or rents house) For the public use dataset, Living in house which will inherit (4) and Other (-7) are combined in -7. 706 D16d. In what month and year did you move into this home?--MONTH Code MONTH 0. Inap. (Lives on farm run as business, lives in mobile home, owns or rents house) 707 D16d. In what month and year did you move into this home?--YEAR Code YEAR 0. Inap. (Lives on farm run as business, lives in mobile home, owns or rents house) For the public use dataset, the year is rounded to the nearest 5. R PAYS RENT 708 D17. How much rent do you pay a month for this (house/ apartment/farm/ranch)? Code -2. -1. 0. actual amount Rental housing fully subsidized Tenant farmer and rent not given in dollars Inap. (Lives on farm run as business and does not rent farm, lives in mobile home, does not rent house)

709

D17.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (Lives on farm run as business and does not rent farm, lives in mobile home, does not rent house)

710

D17a.

Does that include some or all utilities? 1. 3. 5. 0. YES, ALL YES, SOME NO Inap. (Lives on farm run as business and does not rent farm, lives in mobile home, does not rent house)

711

D17b.

Do you rent it furnished or unfurnished? 1. 3. 5. 0. FURNISHED PARTIALLY FURNISHED UNFURNISHED Inap. (Lives on farm run as business and does not rent farm, lives in mobile home, does not rent house)

712

D17c.

In what month and year did you move into this (house/ apartment/farm/ranch)?--MONTH Code MONTH 0. Inap. (Lives on farm run as business and does not rent farm, lives in mobile home, does not rent house)

713

D17c.

In what month and year did you move into this (house/ apartment/farm/ranch)?--YEAR Code YEAR 0. Inap. (Lives on farm run as business and does not rent farm, lives in mobile home, does not rent house) For the public use dataset, the year is rounded to the nearest 5.

R LIVES IN MULTIPLE HU STRUCTURE 702 D16a. INTERVIEWER CHECKPOINT: OBSERVATION 1. 2. 0. R LIVES IN MULTIPLE HU STRUCTURE ALL OTHERS Inap. (Lives on farm run as business, lives in mobile home)

714

D18.

Do you own the entire building or just your unit? 1. 2. 0. ENTIRE BUILDING JUST R'S UNIT Inap. (Lives on farm run as business, lives in mobile home, does not own house, does not live in a multiple HU structure) How

715

D18a.

The next few questions are about the entire property. many housing units are in this building? Code UNITS 95. 95 units or more 0. Inap. (Lives on farm run as business, lives

in mobile home, does not own house, does not live in a multiple HU structure)

ALL HOMEOWNERS EXCEPT MOBILE HOMES/FARMS OWNED BY A BUSINESS 716 D19. What is the present value of this (home and land/ apartment/property)? I mean, about what would it bring if it were sold today? (IWER: PROPERTY REFERS TO WHATEVER PART R OWNS OF THEIR HOUSE AND LOT, APARTMENT, BUILDING, FARM, RANCH, MOBILE HOME, AND SITE.) Code actual amount 0. Inap. (Lives on farm run as business, lives in mobile home, does not own house) 717 D20. How much did it cost when it was purchased? Code actual amount 0. Inap. (Lives on farm owned by a business, rents farm, lives in mobile home, does not own house) 718 D20. GIFT/INHERITANCE 1. 5. 0. Checked Not checked Inap. (Lives on farm owned by a business, rents farm, lives in mobile home, does not own house)

719

D21.

In what month and year was it purchased?--MONTH Code MONTH 0. Inap. (Lives on farm owned by a business, rents farm, lives in mobile home, does not own house)

720

D21.

In what month and year was it purchased?--YEAR Code YEAR 0. Inap. (Lives on farm owned by a business, rents farm, lives in mobile home, does not own house) For the public use dataset, the year is rounded to the nearest 5.

721

D22.

What are the real estate taxes per year on this (home and land/apartment/property)? Code actual amount -1. NONE/No regular payment/No typical payment 0. Inap. (Lives on farm owned by a business, rents farm, does not own house)

722

D22.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (Lives on farm owned by a business, rents farm, lives in mobile home, does not own house)

----------------------------------------------------------------------------PRINCIPAL RESIDENCE MORTGAGES/LAND CONTRACTS ----------------------------------------------------------------------------723(1) D23. Is there a mortgage or land contract on this (home and land/apartment/ property)? (IF R ASKS, DO NOT INCLUDE HOME EQUITY LOANS OR LINES OF CREDIT) 1. 2. 5. 0. 830(2) D40. YES, MORTGAGE YES, LAND CONTRACT NO Inap. (Not homeowner)

Do you have a second mortgage or a land contract on this property? (Please do not include any home equity lines of credit.) 1. 2. 5. 0. YES, 2ND MORTGAGE YES, LAND CONTRACT NO Inap. (Not homeowner, no first loan)

931(3)

D40a.

Do you have any other loans that use this property as collateral? (Please do not include any home equity lines of credit.) 1. 5. 0. YES NO Inap. (Not homeowner, no second loan)

724

D24.

Is the first or main mortgage a federally guaranteed mortgage, such as FHA or VA? 1. 5. 0. YES NO Inap. (Not homeowner, no loan, 1st loan is land contract)

725

D24a.

Does this mortgage carry any type of private mortgage insurance or PMI against default? (IF R ASKS: DO NOT

INCLUDE MORTGAGE LIFE INSURANCE.) 1. 5. 0. YES NO Inap. (Not homeowner, no loan, 1st loan is land contract, FHA/VA loan)

726

D25.

Is it an FHA mortgage, a VA mortgage, or is it from some other program? 1. 2. 3. 4. 5. -7. 0. FHA (Federal Housing Admin.) VA Federal Land Bank "Fannie Mae" (Federal National Mortgage Assn) "Freddie Mac" (Federal Home Loan Mortgage Corp) OTHER Inap. (Not homeowner, no loan 1st loan is land contract, not FHA/VA loan)

727 728

D26.

Why did you choose this type of loan? CREDIT TERMS/COST OF LOAN Interest rate--low(er)/reasonable/best available rates 4. Finance charges low(er) or none (other than interest or NA if includes interest) 5. Amount of the down payment 6. Size of (monthly) payments; payment amount; longer contracts--more time to pay off loan 9. Easier to get credit--require less information/ collateral; less stringent rules for giving credit; get credit approval faster; no red tape 25. Credit terms/arrangements--NA what; "affordable terms" 26. Give the best (a better) deal--NA how 29. Other credit terms or cost of loan CHARACTERISTICS OF CREDIT INSTITUTION 31. Good reputation--reputable, well known; honest; stable; reliable; experienced; professional 41. Availability of credit: "they would lend me the money"; "I could qualify for a loan"; "only place I could get a loan"; was eligible; qualified; a veteran (VA loan) 49. Other characteristics of credit institution MISCELLANEOUS 80. No choice; only source/lender/institution (not 41); "only place in town" 81. Familiarity; R has previous/good experience dealing with institution; has (other) accounts there, been treated well/fairly in past; am a credit union member 83. Recommended or arranged by dealer/store/contractor/ realtor 84. Recommended by others 88. Convenient/Easy--n.e.c. 1.

90. 91. -7. 0.

Reason for lender choice related to item purchased-- "assumed mortgage" (i.e., lender choice already made when R chose this house) (low priority) Like/Trust them--NA why Other Inap. (Not homeowner, no loan, 1st loan is land contract, not FHA/VA loan)

801(1) 901(2) 1001(3)

D27.

About the (mortgage/land contract/second mortage/other loan), in what month and year was it obtained or last refinanced?--MONTH Code MONTH 0. Inap. (Not homeowner, no loan, no further loans)

802(1) 902(2) 1002(3)

D27.

About the (mortgage/land contract/second mortage/other loan), in what month and year was it obtained or last refinanced?--YEAR Code YEAR 0. Inap. (Not homeowner, no loan, no further loans) For the public use dataset, the year for the first variable is bottom-coded at 1955.

803(1) 903(2)

D27a.

Was this (mortgage/land contract) assumed from the previous owner? 1. 5. 0. YES NO Inap. (Not homeowner, no loan, no further loans)

804(1) 904(2) 1004(3)

D28.

How much was borrowed or refinanced?

Code actual amount 0. Inap. (Not homeowner, no loan, no further loans) 805(1) 905(2) 1005(3) D29. How much is still owed on this loan?

Code actual amount 0. Inap. (Not homeowner, no loan, no further loans) 806(1) 906(2) 1006(3) D30. How many years or payments were agreed upon when the loan was taken out or refinanced?--# YEARS Code # YEARS

-1. 0. 807(1) 907(2) 1007(3) D30.

NO SET # Inap. (Not homeowner, no loan, no further loans)

How many years or payments were agreed upon when the loan was taken out or refinanced?--# PAYMENTS Code # PAYMENTS 0. Inap. (Not homeowner, no loan, no further loans)

9154(1) 9155(2) 9156(3)

R.

Term of loan in months Code # MONTHS 0. Inap. (Not homeowner, no loan, no further loans)

808(1) 908(2) 1008(3)

D31.

How much are the payments and how often are they due?

Code actual amount -1. NO REG. PAYMENTS 0. Inap. (Not homeowner, no loan, no further loans, no set # payments) 809(1) 909(2) 1009(3) D31. PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (Not homeowner, no loan, no further loans, no set # payments)

810(1)

D32.

Do the payments include property taxes or insurance? (Which?) 1. 2. 3. 4. 0. TAXES ONLY INSURANCE ONLY BOTH NEITHER Inap. (Not homeowner, no loan, no further loans, no set # payments, no regular payments)

811(1) 911(2) 1011(3)

D33.

Will the regular payments repay the loan completely, or will there be a balance payable, or "balloon" payment, when the loan is due? 1. REPAY COMPLETELY

2. 0.

BALLOON Inap. (Not homeowner, no loan, no further loans, no set # payments, no regular payments)

812(1) 912(2) 1012(3)

D33a.

What will the balance due or balloon payment be?

Code actual amount 0. Inap. (Not homeowner, no loan, no further loans, no set # payments, no regular payments, no balloon) 813(1) 913(2) 1013(3) D34. What is the typical payment and how often is it made?

Code actual amount -1. 0. NO TYPICAL PAYMENTS Inap. (Not homeowner; no loan; no further loans; set number of payments and regular payments)

814(1) 914(2) 1014(3)

D34.

PER

2. 3. 4. 5. 6. -7. 0.

Week Biweekly Month Quarter Year Other Inap. (Not homeowner; no loan; no further loans; set number of payments and regular payments)

815(1) 915(2) 1015(3)

D34a.

When do you expect this loan to be repaid? Code YEAR -1. NEVER; won't ever be repaid 0. Inap. (Not homeowner; no loan; no further loans; set number of payments and regular payments)

816(1) 916(2) 1016(3)

D35.

What is the current annual rate of interest being charged on the loan? Code % to 2 decimal places (ex. 10 3/4 = 1075) -1. Zero; no interest 0. Inap. (Not homeowner, no loan, no further loans)

817(1) 917(2) 1017(3)

D36.

Please look at Card A. Is the loan with any of the institutions on Card A, or from someplace else? (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (Not homeowner, no loan, no further loans)

9083(1) 9084(2) 9085(3)

R.

Type of institution in X817 See FINANCIAL INSTITUTIONS master reference list 0. Inap. (Not homeowner, no loan, no further loans)

918(2) 1018(3)

D37.

Was the money from this loan used for the purchase of this home or for some other purpose? (What other purpose?) Use LOAN PURPOSE Master Code, except: 0. Inap. (Not homeowner, no loan, no further loans)

819(1)

D38.

(RB, P. 1) What is the most important reason you chose this lender? (Was it because they were recommended to you, had low interest rates, because of the location of their offices, because you had done other business with them, because it was easier to qualify for the loan, or for some other reason?) 1. 2. 3. 4. 5. 6. 7. 8. 9. 11. 21. 22. 23. -7. 0. RECOMMENDED LOW INTEREST LOCATION OTHER BUSINESS EASY TO QUALIFY; only place that would give us a loan Many services at one location Low fees/service charges Safety Other convenience mentions: payroll deduction feature; "convenience"--NFS Personal relationship; they know me; know/like them No choice--assumed existing debt and lender from previous owner No choice--financed through contractor/developer/ prev. owner/builder and this was their financial institution No choice--mortgage sold/transferred OTHER including combinations Inap. (Not homeowner, no loan)

820(1) 920(2) 1020(3)

D39.

(Not using the booklet) Is this an adjustable rate (mortgage/loan); that is, does it have an interest rate that can rise or fall from time time? 1. 5. YES NO

0.

Inap. (Not homeowner, no loan)

821(1)

D39a.

Does the change in your interest rate depend on some other interest rate? 1. 5. 0. YES NO Inap. (Not homeowner, no loan, not adjustable rate)

822(1)

D39b.

On what other rate does it depend? 1. 2. 3. 4. 5. 6. 11. 12. -7. 0. Consumer Price Index; "CPI"; "cost of living" GNP (Gross National Produce) Deflater Prime (interest) Rate Treasury Bill Rate; "T-Bill rate" "Current rate" or "going rate"--NFS District/regional rate FHLBB (Fed. Home Loan Bank Board) FSLIC (Fed. Savings and Loan Ins. Corp.) Other Inap. (Not homeowner, no loan, not adjustable rate, rate doe not depend on another rate)

823(1)

D39c.

How often can your interest rate change? Code number of times 7. 0. Seven times or more Inap. (Not homeowner, no loan, not adjustable rate)

824(1)

D39c.

PER 1. 2. 3. 4. 5. 6. 8. -7. 0. Once per 2 years Once per 3 years Once per 5 years Month Quarter Year Lump sum/one payment only/in total Other Inap. (Not homeowner, no loan, not adjustable rate)

825(1)

D39d.

When the interest rate changes, will the size of your monthly payments change at the same time? 1. 5. 0. YES NO Inap. (Not homeowner, no loan, not adjustable rate)

826(1)

D39e.

What is the most the rate can rise at any one time? (POINTS = PERCENTAGE POINTS) Code (ex. -2. 0. % to 2 decimal places 10 3/4 = 1075) NO LIMIT Inap. (Not homeowner, no loan, not adjustable rate)

827(1)

D39f.

What is the highest the rate can go over the life of the loan? Code % to 2 decimal places -2. NO LIMIT 0. Inap. (Not homeowner, no loan, not adjustable rate)

828(1)

D39g.

What was the interest rate on this mortgage when you first got it? Code % to 2 decimal places 0. Inap. (Not homeowner, no loan, not adjustable rate)

829(1)

D39m.

Is this a convertible mortgage; that is do you have an option to convert it to a mortgage with a fixed interest rate? 1. 5. 0. YES NO Inap. (Not homeowner, no loan, not adjustable rate)

FOR OTHER LOANS ASSOCIATED WITH HOME PURCHASE, SEE "CONSUMER LOANS" ----------------------------------------------------------------------------LINES OF CREDIT ----------------------------------------------------------------------------1101 D52. Do you (or anyone in your family living here) have a home equity line of credit, or any other lines of credit, not counting credit cards or business lines of credit? Please include such lines of credit even if you are not currently drawing against them. (IF R ASKS: A LINE OF CREDIT IS A FORMAL AGREEMENT WITH A LENDER THAT ALLOWS R TO BORROW UP TO AN AGREED UPON LIMIT AND PAY IT OFF AS R DESIRES. A HOME EQUITY LINE OF CREDIT IS A LINE OF CREDIT SECURED BY THE EQUITY IN R'S HOME.) (ASKED OF HOMEOWNERS) Do you (or anyone in your family living here) have any lines of credit, not counting credit cards or business lines of credit? Please include such lines of credit even if you are not currently drawing against them. (IF R ASKS: A LINE OF CREDIT IS A FORMAL AGREEMENT WITH A LENDER THAT ALLOWS R TO BORROW UP TO A SPECIFIED LIMIT AND PAY IT OFF AS R DESIRES.) (ASKED OF NON-HOMEOWNERS) 1. YES

D68.

5. 1102 D53.

NO

How many lines of credit do you (and your family living here) have? (ASKED OF HOMEOWNERS; INFERRED FOR NONHOMEOWNERS) Code # LINES OF CREDIT 0. Inap. (No lines of credit)

1302

D68a.

Altogether, what is the maximum amount you could borrow on these lines of credit? (ASKED FOR NON-HOMEOWNERS; INFERRED FOR HOMEOWNERS) Code actual amount 0. Inap. (No lines of credit)

1303

D68b.

Are you currently borrowing any money against such lines of credit? (ASKED OF NON-HOMEOWNERS; INFERRED FOR HOMEOWNERS) 1. 5. 0. YES NO Inap. (No lines of credit)

1308

D68d.

How many such lines of credit are you currently borrowing against? ASKED OF NON-HOMEOWNERS; INFERRED FOR HOMEOWNERS) Code # LINES OF CREDIT (LOC) 0. Inap. (No lines of credit, not borrowing)

1103 (#1) 1114 (#2) 1125 (#3)

D53a.

Is (this/the largest/next) line of credit secured by the equity in your home? 1. 5. 0. YES NO Inap. (No lines of credit, no further lines of credit)

1104 1115 1126

D53b.

What is the maximum amount you could borrow on this line of credit? Code actual amount 0. Inap. (No lines of credit, no further lines of credit)

1105 1116 1127

D53c.

Are you currently borrowing any money against this line of credit? (AKSED FOR HOMEOWNERS; INFERRED FOR NON-HOMEOWNERS) 1. 5. 0. YES NO Inap. (No lines of credit, no further lines of credit)

1106 1107 1117 1118 1128 1129

(#1a) (#1b) (#2a) (#2b) (#3a) (#3b)

D53d. D70.

What was the money used for? (What was its major use?) (ASKED FOR HOMEOWNERS) What was the (largest/next) line of credit used for? (What was its major purpose?) (ASKED FOR NON-HOMEOWNERS) Use LOAN PURPOSE Master Code, except: 0. Inap. (No lines of credit, not borrowing, no further lines of credit)

1108 1119 1130

D53e./D71.

How much is currently owed?

Code actual amount 0. Inap. (No lines of credit, not borrowing, no further lines of credit) D53f./D72. What is the typical payment and how often is it made?

1109 1120 1131

Code actual amount -1. NO TYPICAL PAYMENTS 0. Inap. (No lines of credit, not borrowing, no further lines of credit)

1110 1121 1132

D53f./D72.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (No lines of credit, not borrowing, no further lines of credit)

1111 1122 1133

D53g./D73. What is the current annual rate of interest being charged on this loan? Code % 0. Inap. (No lines of credit, not borrowing, no further lines of credit) D53h./D74. (Please look at Card A.) Is this line of credit with any of the institutions on Card A, or from someplace else? (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that? (ASKED OF RESPONDENTS WHO WERE HOMEHOWNERS WHO WERE BORROWING ON LINE OF CREDIT) D68c. (Please look at Card A.) Are these lines of credit with any of the institutions on Card A, or from someplace else? (CHECK ALL THAT APPLY.)

1112 1123 1134 ????

(IF CARD A: Which institutions?) (IF SOMEPLACE ELSE: What types of institutions are they? (ASKED OF NON-HOMEOWNERS WHO WERE NOT BORROWING ON ANY LINES OF CREDIT) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 9087 R: Type of institution 9088 9089 8096 (4th possibility at D68c) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 1136 D53m./D76. What is the total amount that you (and your family living here) currently owe on all other remaining lines of credit? Code actual amount -1. Nothing; zero 0. Inap. (No lines of credit, no further lines of credit) ----------------------------------------------------------------------------ADDITIONS AND IMPROVEMENTS TO PRINCIPAL RESIDENCE ----------------------------------------------------------------------------1201 D54. Have you (and your family living here) ever made any major additions or done extensive remodeling to this property? 1. 5. 0. 1202 D54a. YES NO Inap. (Not homeowner)

Roughly what was the total cost of all such major additions or remodeling? Code actual amount 0. Inap. (Not homeowner, no home improvements)

FOR LOANS ASSOCIATED WITH HOME IMPROVEMENTS, SEE "CONSUMER LOANS" ----------------------------------------------------------------------------RENT OUT PART OF PRINCIPAL RESIDENCE ----------------------------------------------------------------------------1223 D67. Do you or anyone in your family here) rent out any portion of this (house or lot/apartment/mobile home/building) to others? (ASKED OF RS WHO DO NOT LIVE ON FARM/RANCH) 1. YES

5. 0. 1224 D67a.

NO Inap. (Not homeowner, lives on farm or ranch)

How much rent do you collect each month? Code actual amount -7. Other 0. Inap. (Not homeowner, lives on farm or ranch, no rent)

1225

D67a.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (Not homeowner, lives on farm or ranch, no rent)

----------------------------------------------------------------------------LAND CONTRACTS AND NOTES FOR REAL ESTATE SALES ----------------------------------------------------------------------------1401 E1. Have you (or anyone in your family living here) ever sold real estate for which you loaned money to the buyer? Please include accepting a note, land contract or mortgage from the buyer. (IF YES, SAY: We do not want to include any property owned by a business which you own or have an interest in.) 1. 5. 1402 E2. YES NO

Does the buyer still owe (you/your family) money on any of these notes, land contracts, or mortgages? 1. 5. 0. YES NO Inap. (Never sold real estate)

1403

E2a.

Altogether, on how many such loans (are you/is your family) owed money? Code # NOTES/LAND CONTRACTS/MORTGAGES 95. 95 or more 0. Inap. (Never sold real estate, no money still owed) For the public use dataset, the number of such loans is top-coded at 20.

LOAN/LAND CONTRACT

1404 1504 1604

E3.

(About the [largest/next] loan ...) contract, a mortgage, or a note?

Is it a land

1. 2. 3. 0.

LAND CONTRACT MORTGAGE NOTE Inap. (Never sold real estate, no money still owed, no other loan)

1405 1505 1605

E4.

How much are you (and your family) owed on this note?

Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is mortgage) 1406 1506 1606 E5. In what month and year was this (mortgage/land contract) taken out?--MONTH Code MONTH 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note) 1407 1507 1607 E5. In what month and year was this (mortgage/land contract) taken out?--YEAR Code YEAR 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note) 1408 1508 1608 E6. How much did (you/your family) lend the borrower?

Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note) 1409 1509 1609 E7. How much is still owed on this (mortgage/land contract)?

Code actual amount 0. Inap. (Never sold real estate, no money still

owed, no other loan, type of loan is note) 1410 1510 1610 E8. How much are the (mortgage/land contract) payments and how often are they due? Code actual amount -1. 0. NO REGULAR PAYMENTS Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note)

1411 1511 1611

E8.

PER 2. 3. 4. 5. 6. -7. 9. 0. Week Biweekly Month Quarter Year Other NA Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note, no regular payments)

1412 1512 1612

E9.

How many years or payments were agreed upon when the (mortgage/land contract) was taken out?--# YRS Code # YRS -1. NO SET NUMBER 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note, no regular payments)

1413 1513 1613

E9.

How many years or payments were agreed upon when the (mortgage/land contract) was taken out?--# PAYMENTS Code # PAYMENTS 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note, no regular payments)

1414 1514 1614

E10.

Will the regular payments pay off the (mortgage/land contract) completely or will there be a balance payable or "balloon" when the (mortgage/land contact) is due? 1. 5. 0. REPAY COMPLETELY BALLOON Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note, no

regular payments) 1415 1515 1615 E10a. What will the balance payable or balloon payment be? Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note, no regular payments, no balloon) E11. Do you (or your family living here) still owe any money on loans for this property? 1. 5. 0. YES NO Inap. (Never sold real estate, no money still owed, no other loan)

1416 1516 1616

1417 1517 1617

E11a.

How much do you still owe?

Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, nothing still owed)

1619

E13.

About how much in total is owed to (you/your family) on the remaining notes, land contracts or mortgages? Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan)

1620

E13a.

Do you (or your family here) still owe any money on loans for these other properties? 1. 5. 0. YES NO Inap. (Never sold real estate, no money still owed, no other loan)

1621

E13b.

Altogether how much (do you/does your family) still owe? Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, nothing still owed)

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

----------------------------------------------------------------------------1700 E14. Do you (or anyone in your family living here) own any (other) real estate such as a lot, vacation home, apartment building, commercial property, including properties owned in partnership with other people? (IF YES SAY: We do not want to include any property owned by a business that you have an interest in, or any limited partnerships.) 1. 5. 1701 E15. YES NO

How many such properties do you (and your family living here) own or have an interest in? Code # PROPERTIES 0. Inap. (No property) For the public use dataset, the number of such properties is top-coded at 20.

1702 1802 1902

E16.

EDITOR PRECODE--BUSINESS/JOB CONNECTION

1. 2. 3. 4.

5. 6. 7. 0.

This property associated with Bus #1 at M5a " " " " Bus #2 " " " " " " Bus #3 " " This property is associated with business listed at M5a, BUT it is a) a business beyond #3 (at M19a-c) or (b) associated with more than one M5a business or (c) NA which business Property not associated with a business at M5a-M19c or a property at E2 This property is associated with R's main job (at R2 or R14) This property is associated with S/P's main job (at S2 or S14) Inap. (No property, no additional property)

1703 1803 1903

E16.

(About the [largest/next] property..) property is this? LOTS/LAND 10. 11. 12. 13. 14.

What type of

Farm/ranch--any mention Land only: lot, tract, acreage; building lots; "farmland" Land and (seasonal) residence (exc. 14); "house + 50 acres" Land and some other type of structure Land and trailer/mobile home

SEASONAL RESIDENCE 21. Seasonal/vacation house (winter/summer home; cottage; hunting cabin) 22. Trailer/Mobile home 25. Time-share ownership--any OTHER REAL ESTATE 40. One single family house 41. Multiple single family houses 42. Duplex; 2 unit residential 43. Triplex; 3 unit residential 44. Fourplex; 4 unit residential 45. 5 or more unit residential 46. "Apartment house"-NA # units; "rental" units or property--NFS 47. Other business/commercial property (exc. 41-46) 48. Business/commercial and residential combination 49. Condominium (include NA if own use or if one unit or a building) -7. Other, including combinations 0. Inap. (No property, no additional property) 1704 1804 1904 E17. Is this property owned by you (and your family living here), is it owned jointly with others, owned by a partnership, or what? 1. 2. 3. 4. 5. -7. 0. 1705 1805 1905 E17a. OWNED BY R OWNED JOINTLY PARTNERSHIP REAL ESTATE INVEST TRUST Limited partnership OTHER including combinations Inap. (No property, no additional property)

What percentage of the property do you (and your family living here) own? (SET TO 10000 WHEN E17=1) Code PERCENT to 2 decimal places 10000. ALL 0. Inap. (No property, no additional property) NOTE: For timeshares, ownership is always taken as 100 percent.

1706 1806 1906

E18.

How much in total is this property worth; I mean what would it bring if it were sold today? (WE WANT THE TOTAL VALUE NOT JUST R'S SHARE. FOR E18-E29, NOTE IF R ONLY KNOWS THEIR SHARE.) Code actual amount 0. Inap. (No property, no additional property)

1707 1807

E19.

In what month and year was the property acquired? did R acquire it?)--MONTH

(When

1907 Code MONTH 0. Inap. (No property, no additional property) 1708 1808 1908 E19. In what month and year was the property acquired? did R acquire it?)--YEAR (When

Code YEAR 0. Inap. (No property, no additional property) For the public use dataset, the year is rounded to the nearest 5. E20. What was the total purchase price? Code actual amount 0. Inap. (No property, no additional property)

1709 1809 1909

1710 1810 1910

E20.

GIFT/INHERITANCE

1. 5. 0. 1711 1811 1911 E21.

Checked Not checked Inap. (No property, no additional property)

Are there any outstanding loans or mortgages on this property? 1. 5. 0. YES NO Inap. (No property, no additional property)

1712 1812 1912

E22.

In what month and year was the loan obtained or last refinanced?--MONTH Code MONTH 0. Inap. (No property, no additional property, no loan)

1713 1813 1913

E22.

In what month and year was the loan obtained or last refinanced?--YEAR Code YEAR 0. Inap. (No property, no additional property, no loan)

1714 1814 1914

E23.

How much was borrowed or refinanced? Code actual amount 0. Inap. (No property, no additional property, no loan)

1715 1815 1915

E24.

How much is still owed? Code actual amount 0. Inap. (No property, no additional property, no loan)

1716 1816 1916

E25.

How many years or number of payments were agreed upon when the loan was taken out?--# YEARS Code # YEARS -1. NO SET NUMBER 0. Inap. (No property, no additional property, no loan)

1717 1817 1917

E25.

How many years or number of payments were agreed upon when the loan was taken out?--# PAYMENTS Code # PAYMENTS -1. NO SET NUMBER 0. Inap. (No property, no additional property, no loan)

9157 (1) 9158 (2) 9159 (3)

R:

Term of loan in months Code amount -1. NO SET NUMBER 0. Inap. (No property, no additional property, no loan)

1718 1818 1918

E26.

How much are the payments and how often are they due? Code actual amount -1. NO REGULAR PAYMENTS 0. Inap. (No property, no additional property, no loan, no set # or payments)

1719 1819 1919

E26.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (No property, no additional property, no loan, no set # or payments)

1720 1820 1920

E27.

Do the payments include property taxes or insurance? (Which?)

1. 2. 3. 4. 0.

TAXES INSURANCE BOTH NEITHER Inap. (No property, no additional property, no loan, no set # or payments, no regular payments)

1721 1821 1921

E28.

Will the regular payments repay the loan completely or will there be a balance payable, or "balloon" payment when the loan is due? 1. 5. 0. REPAY COMPLETELY BALLOON Inap. (No property, no additional property, no loan, no set # or payments, no regular payments)

1722 1822 1922

E28a.

What will the balance due or balloon payment be? Code actual amount 0. Inap. (No property, no additional property, no loan, no set # or payments, no regular payments, no balloon)

1723 1823 1923

E29.

What is the typical payment and how often is it made? Code actual amount -1. 0. NO TYPICAL PAYMENTS Inap. (No property; no additional property; no loan; number of payments not "NO SET #" and payments not "NO REGULAR PAYMENTS")

1724 1824 1924

E29.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (No property; no additional property; no loan; number of payments not "NO SET #" and payments not "NO REGULAR PAYMENTS")

1725 1825 1925

E30.

When do you expect this loan to be repaid?

Code YEAR

-1. 0.

NEVER; won't ever be repaid Inap. (No property; no additional property; no loan; number of payments not "NO SET #" and payments not "NO REGULAR PAYMENTS")

1726 1826 1926

E31.

What is the current annual interest rate being charged on the loan? Code % to 2 decimal places -1. Zero; no interest 0. Inap. (No property, no additional properties, no loan)

1727 1827 1927

E32.

Does this loan have an adjustable rate; that is does it have an interest rate that can rise and fall from time to time? 1. 5. 0. YES NO Inap. (No property, no additional properties, no loan)

1728 1828 1928

E33.

(Please look at Card A.) Is this loan with any of the institutions on Card A, or from someplace else? (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No property, no additional properties, no loan)

9099 (1) 9100 (2) 9101 (3)

R:

Type of institution See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No property, no additional properties, no loan)

1729 1829 1929

E34.

Did (you/your family living here) receive any income from this property in 1988? 1. 5. 0. YES NO Inap. (No property, no additional properties)

1730 1830 1930

E34a.

How much gross income did (you/your family) receive? Code actual amount 0. Inap. (No property, no additional properties,

no income) 2001 E36. About the remaining properties that you (and your family living here) own, are any of these vacation homes or land you use for recreational purposes? 1. 5. 0. 2002 E36a. YES NO Inap. (3 or fewer properties)

How much in total is your (family's) share of these vacation homes or recreational property worth? Code actual amount 0. Inap. (3 or fewer properties, no recreational properties)

2003

E36b.

What was your (family's) total purchase price for these properties? Code actual amount 0. Inap. (3 or fewer properties, no recreational properties)

2004

E36b.

GIFT/INHERITANCE 1. 5. 9. 0. Checked Not checked NA Inap. (3 or fewer properties, no recreational properties)

2005

E36c.

Are there any mortgages or loans outstanding against these vacation homes or recreational land? 1. 5. 0. YES NO Inap. (3 or fewer properties, no recreational properties)

2006

E36d.

Altogether, about how much is owed on your (family's) share of these mortgages or loans? Code actual amount 0. Inap. (3 or fewer properties, no recreational properties, no mortgage)

2007

E36e.

How much are the payments on these loans or mortgages and how often are they due? Code actual amount

-1. 0.

NO REGULAR PAYMENT Inap. (3 or fewer properties, no recreational properties, no mortgage)

2008

E36e.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (3 or fewer properties, no recreational properties, no mortgage)

2009

E36f.

Did you (or your family living here) receive any income in 1988 from renting out these vacation homes or recreational land? 1. 5. 0. YES NO Inap. (3 or fewer properties, no recreational properties)

2010

E36g.

Altogether, how much gross income did (you/your family) receive? Code actual amount 0. Inap. (3 or fewer properties, no recreational properties, no rent)

2011

E36h.

Are there any remaining properties you own that you have not told me details about? (ASKED DIRECTLY WHERE >=4 PROPERTIES AND E36=YES, INFERRED OTHERWISE FOR ALL HAVING >=4 PROPERTIES) 1. 5. 0. YES NO Inap. (3 or fewer properties)

2012

E37.

For the remaining properties that you own, about how much in total is your (family's) share worth? I mean, what could you sell them for? Code actual amount -1. Nothing, almost nothing 0. Inap. (3 or fewer properties, no remaining properties)

2013

E37a.

About how much was your (family's) total purchase price for these properties?

Code actual amount -1. Nothing; zero 0. Inap. (3 or fewer properties, no remaining properties) 2014 E37a. GIFT/INHERITANCE 1. 5. 0. Checked Not checked Inap. (3 or fewer properties, no remaining properties)

2015

E37b.

Are there mortgages or loans outstanding against these properties? 1. 5. 0. YES NO Inap. (3 or fewer properties, no remaining properties)

2016

E37c.

Altogether, about how much is owed on your (family's) share of these mortgages or loans? Code actual amount 0. Inap. (3 or fewer properties, no remaining properties, no mortgage)

2017

E37d.

How much are the payments on these loans or mortgages and how often are they due? Code actual amount -1. NO REGULAR PAYMENT 0. Inap. (3 or fewer properties, no remaining properties, no mortgage)

2018

E37d.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (3 or fewer properties, no remaining properties, no mortgage)

2019

E37e.

Did you (or your family living here) receive any income in 1988 from renting out any of these other properties? 1. 5. YES NO

0.

Inap. (3 or fewer properties, no remaining properties)

2020

E37f.

Altogether, how much gross income did (you/your family) receive in 1988? Code actual amount 0. Inap. (3 or fewer properties, no remaining properties, no rent)

----------------------------------------------------------------------------VEHICLES ----------------------------------------------------------------------------2101 G1. Are you (or anyone in your family living here) currently leasing any cars or other vehicles? (IF YES, SAY: Do not include any vehicle that is leased by a business.) 1. 5. 2102 G2. YES NO

Altogether, how many cars or other vehicles do you (and your family living here) lease?--VEHICLE #1 Code # LEASED VEHICLES 0. Inap. (No leased vehicle)

2103 2110

G3.

What make and model is the (newest/next) vehicle? Enter MAKE/MODEL as given by R up to 25 characters 0. Inap. (No leased vehicles)

2104 2111

G4.

What model year is it? Code YEAR 0. Inap. (No leased vehicles)

8163 (1) 8164 (2)

R:

Value of vehicle

2105 2112

G5.

How much are your monthly lease payments? Code $ amount -1. NONE 0. Inap. (No leased vehicles)

2106 2113

G5.

PER

2. 3. 4. 5. 6. -7. 0. 2107 2114 G5a.

Week Biweekly Month Quarter Year Other Inap. (No leased vehicles)

How many years or months was the original lease? (YRS) Code YRS 0. Inap. (No leased vehicles)

2108 2115

G5a.

How many years or months was the original lease? (MOS) Code MOS 0. Inap. (No leased vehicles)

2117

G6a.

Altogether, about how much per month are the lease payments on your other leased vehicle(s)? Code actual amount 0. Inap. (No leased vehicles)

2118

G6a.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (No leased vehicles)

2201

G7.

Do you (or anyone in your family here) own any cars, or any kind of truck, van, or jeep-type vehicle? Do not include vehicles owned by a business. 1. 5. YES NO

2202

G7a.

Altogether, how many such cars or other vehicles do you (and your family living here) own? Code # OWNED VEHICLES 0. Inap. (No owned vehicle)

2203 2303

G8.

What type of vehicle is (it/the newest/the next)--(a car, van, jeep, pickup, or what?)

2403 1. 2. 3. 4. 5. 6. -7. 0. 2204 2304 2404 G9. CAR VAN JEEP PICKUP Antique/classic/collector vehicle Truck (except pickup) OTHER Inap. (No owned vehicle)

What make and model is it? (2-WORD ANSWER: MAKE AND MODEL) Enter MAKE/MODEL as given by R up to 25 characters 0. Inap. (No owned vehicles)

2205 2305 2405

G10.

What model year is it? Code YEAR 0. Inap. (No owned vehicles) For the public use dataset, the year is rounded to the nearest 5.

8166 (1) 8167 (2) 8168 (3)

R:

Value of vehicle Code amount 0. Inap. (No owned vehicles)

2422

G23a.

How much (is/are all) the other such vehicle(s) that you (and others in your family living here) own worth in today's prices? Code actual amount 0. Inap. (No owned vehicles)

FOR LOANS ASSOCIATED WITH VEHICLES, SEE "CONSUMER LOANS" 2501 G24. Do you (or anyone in your family living here) have any (other) vehicles that are owned by a business but which you also use regularly for personal purposes? 1. 5. 2502 G24a. YES NO

How many such vehicles do you (or someone in your family living here) regularly use? Code # BUSINESS VEHICLES 0. Inap. (No business vehicles)

For the public use dataset, the number of such vehicles is top-coded at 10. 2503 G25. Do you (or anyone in your family here) own any other vehicles such as a motorhome, RV, boat, or airplane? 1. 5. 2504 G25a. YES NO

Altogether, how many of these other vehicles do you (and your family living here) own? Code # VEHICLES 0. Inap. (No other vehicle)

2505 2605

G26.

What type of vehicle is (it/the newest/the next)--(Is it a motorhome, RV, airplane, boat, or what?) MOTORHOME (one piece that you drive) RV (hauled by a car or truck); "trailer"--NA type; "travel trailer" 3. AIRPLANE 4. BOAT 11. Motorcycle; motor scooter 12. Snowmobile 13. Golf cart -7. OTHER 0. Inap. (No other vehicle) For the public use dataset, Motorhomes (1) and RVs (2) are combined in 1; Boats (3) and Airplanes (4) are combined in 3; and Snowmobiles (12) and Golf carts (13) are combined in 12. 1. 2.

2506 2606

G27.

About how much is this (TYPE OF VEHICLE) worth? Code actual amount 0. Inap. (No other vehicle)

2623

G39a.

How much (is/are all) the other such vehicle(s) that you (and others in your family living here) own worth? Code actual amount 0. Inap. (No other vehicle)

FOR LOANS ASSOCIATED WITH VEHICLES, SEE "CONSUMER LOANS" ----------------------------------------------------------------------------CONSUMER LOANS -----------------------------------------------------------------------------

THIS SECTION CONTAINS LOANS ORIGINALLY ASKED IN SECTION D (OTHER LOANS FOR THE PURCHASE OF THE PRINCIPAL RESIDENCE -- LOANS 7 BELOW, HOME IMPROVEMENT LOANS -- LOANS 8 AND 9 BELOW), SECTION G (OWN VEHICLES -LOANS 10 THROUGH 13 BELOW, OTHER VEHCICLES -- LOANS 14 THROUGH 16 BELOW), AND SECTION H (ALL CONSUMER LOANS -- LOANS 1 THROUGH 6 BELOW). NOTE: THERE MAY BE SOME DEVIATIONS FROM THE STRUCTURE OF INAPPLICABLE ANSWERS NOTED BELOW. IN CASES WHERE THE RESPONDENT DID NOT KNOW WHETHER THE TYPE OF LOAN WAS "REGULAR INSTALLMENT" OR DID NOT KNOW THE TERM OF THE LOAN, RESPONDENTS WERE ASKED ABOUT THEIR TYPICAL PAYMENTS AND WHEN THEY EXPECT THE LOAN TO BE REPAID. DATA WILL REMAIN IN THESE VARIABLES WHEN THE LOAN TYPE IS SUBSEQUENTLY IMPUTED TO BE "REGULAR INSTALLMENT" OR IN ALL CASES WHERE THE TERM WAS MISSING. WHILE THIS MAY CAUSE SOME CONFUSION, IT SEEMS THE BEST WAY OF PRESERVING THE ORIGINAL RESPONSES TO THE QUESIONNAIRE. H1. H1a. H1b. H1c. H1d. Not counting credit cards or loans you have already told me about, do you (and your family living here) owe any money on loans for: ..household appliances, furniture, or hobby or recreational equipment? ..loans for educational expenses or medical bills? ..loans from friends or relatives? ..any other loans? (IF R ASKS: INCLUDE CHECKING ACCOUNT OVERDRAFTS. DO NOT INCLUDE LIFE INS. POLICY LOANS.) 1. 5. H2a. YES NO

FOR EACH "YES", ASK: How many such loans do you have? Code # 0. Inap.

2709

H3.

IWER CHECKPOINT:

ADD TOTAL NUMBER OF LOANS FROM H2a - H2d

Code TOTAL # -1. NONE For the public use dataset, the number of loans in top-coded at 20. 2710(1a) 2711(1b) 2727(2a) 2728(2b) 2810(3a) 2811(3b) 2827(4a) 2828(4b) 2910(5a) 2911(5b) 2927(6a) 2928(6b) H4. What was (this/the largest/the next) loan for?--LOAN #1

For the public use dataset, different loan purpose cells are collapsed for different variables. The SAS code that performs this collapsing is given after the master list below. LOAN PURPOSE MASTER CODE HOME PURCHASE, ADDITION OR REPAIR OF CURRENT RESIDENCE 01. Own home purchase 03. Home improvement or addition (incl. assessments for sewer/ sidewalk, etc.) 04. Home repairs/maintenance/upkeep CAR/HOUSEHOLD DURABLE GOODS 10. Car 11. Refrigerator 12. Stove/Range; microwave oven 13. Dishwasher 14. Freezer 15. Air conditioner 16. Washing machine (incl. washer/dryer combination) 17. Dryer 18. Furniture (excluding pianos and organs--see 34); lamps; mattress and spring combinations; rug and/or carpet; other household furnishings 20. 23. 24. 25. 26. 29. Vacuum cleaners Home computer; calculator; computer terminal Truck/jeep/utility vehicle Combination of appliances (incl. TV); "appliances"--NA type Combination of furniture + appliances Other appliances or durable goods; sewing machine; typewriter

SMALL/INDOOR HOBBY OR ENTERTAINMENT GOODS 31. Stereo; phonograph (may include radio); include sound equipment, amplifiers here; radio (AM or FM); tuner; CB equipment; tape recorder, tape player (cassette or reel-toreel); CD player 34. Piano; organ 35. Musical instruments (excluding pianos and organs) 36. TV--color or black and white; "home entertainment center" (incl. combination TV, radio, phonograph); video cassette recorder/player (VCR); video camera (Cam-corder) 49. 50. Other small/indoor hobby or entertainment items (incl. pool tables and regular cameras) Power tools and yard equipment

OUTDOOR HOBBY AND RECREATION GOODS 61. Boat; boating equipment (including trailer) 63. Motorcycles; bicycle; moped; snowmobiles; off-road vehicles 65. Camper-trailers; "RV"--NFS 67. Cottage; vacation property; mobile homes--seasonal residence (if current residence, code 01); "motorhome"; "second home" 69. Other outdoor recreation items; horse

SAVINGS AND INVESTMENTS High Priority 71. 72. 73. 74. 75. 76. 78. Invest in Bus #1 (from Section M) " " Bus #2 " " " " " Bus #3 " " " Invest in own business, other than 71-73 or NA which or all Business investment (own) (exc. 71-74), incl. businesses now defunct Other asset investment; bought stocks/bonds; IRA deposit; gold; "investment" -- NFS Investment real estate (incl. cemetery plots and additions and repairs to investment property); farmland (exc. 71-74); include businesses of self-employed R's who don't report a business in the M section Other investments

79.

SPECIAL EXPENSES 81. Travel/vacation expenses 82. Medical/dental expenses; attorney's fees 83. Education/school expenses 84. Tax and insurance expenses (exc. vehicle, code 93) 85. Weddings/funerals 88. Moving expenses 89. Other special expenses; encyclopedia; health membership

MISCELLANEOUS PERSONAL NEEDS 90. "Personal loan"--NA what for 91. Bill consolidation; "bills" 92. Personal items, incl. clothing, jewelry 93. Vehicle repair/upkeep (incl. insurance) 94. Gifts; goods or gifts of money; "Christmas" 95. Living/general expenses 96. -7. 0. Loans made to others; "loaned friend/son money for a house" Other (incl. combinations) Inap. (No loan)

*************************************************************************** code to collapse loan purpose *************************************************************************** ARRAY LOAP1 {*} X1106 X1107 X1117 X1118 X1128 X1129; ARRAY LOAP2 {*} X2710 X2711 X2727 X2728 X2810 X2811 X2827 X2828 X2910 X2911 X2927 X2928; ARRAY LOAP3 {*} X5316 X5324 X5332 X5416 X5424 X5432; IF (X918=61 OR X918=67 OR X918=75 OR X918=76 OR X918=79 OR X918=81 OR X918=88 OR X918=94 OR X918=95) THEN X918=-7; IF (X1018=61 OR X1018=67 OR X1018=75 OR X1018=76 OR X1018=79 OR X1018=81 OR X1018=88 OR X1018=94 OR X1018=95) THEN X1018=-7; DO I=1 TO DIM(LOAP1); IF (LOAP1{I}=16 OR LOAP1{I}=17 OR LOAP1{I}=23 OR LOAP1{I}=49 OR LOAP1{I}=50 OR LOAP1{I}=61 OR LOAP1{I}=63 OR LOAP1{I}=82 OR LOAP1{I}=85 OR LOAP1{I}=88 OR LOAP1{I}=92) THEN LOAP1{I}=-7;

END; DO I=1 TO DIM(LOAP2); IF (LOAP2{I}=13 OR LOAP2{I}=20 OR LOAP2{I}=26 OR LOAP2{I}=34 OR LOAP2{I}=35 OR LOAP2{I}=49 OR LOAP2{I}=61 OR LOAP2{I}=63 OR LOAP2{I}=65 OR LOAP2{I}=67 OR LOAP2{I}=69 OR LOAP2{I}=96) THEN LOAP2{I}=-7; END; DO I=1 TO DIM(LOAP3); IF (LOAP3{I}=11) THEN LOAP3{I}=2; END; *************************************************************************** 1032(7) D41. Do you (and your family living here) owe money on any (other) loans used for the purchase of this property, such as loans from relatives or the seller? (Please do not include any home equity lines of credit.) (OTHER LOANS FOR PURCHASE OF PRINCIPAL RESIDENCE) Other than what I have already recorded, do you (or your family living here) owe any money on loans taken out for these projects? (HOME IMPROVEMENT LOANS) Do you owe money on more than one loan for home additions or improvements? (HOME IMPROVEMENT LOANS) Not counting any loans I've already recorded, is any money still owed on loans for this (MAKE/MODEL)? (OWN VEHICLE GRID) Not counting loans I have already recorded, is any money still owed on loans for (this/these) vehicle(s)? (LOANS ON OWN VEHICLES BEYOND THE 3RD VEHICLE) Not counting any loans I have already recorded, is any money still owed on loans for this (TYPE OF VEHICLE)? (OTHER VEHICLE GRID) Not counting loans I have already recorded, is any money still owed on loans for (this/these) vehicle(s)? (LOANS ON OTHER VEHICLES BEYOND THE 2ND VEHICLE) 1. 5. 0. YES NO Inap. (Not homeowner/no home improvements on current own home/only 3 or fewer own vehicles/ only 2 or fewer other vehicles)

1203(8) 1218(9) 2206(10) 2306(11) 2406(12) 2423(13) 2507(14) 2607(15) 2624(16)

D54b. D65. G11. G23b. G28. G39b.

2712(1) 2729(2) 2812(3) 2829(4) 2912(5) 2929(6) 1033(7) 1204(8) 2207(10) 2307(11) 2407(12) 2508(14) 2608(15)

H5.

In what month and year was this loan taken out?--MONTH

D42. D55. G13. G29.

In what month and year was this loan taken out?--MONTH In what month and year was the most recent such loan taken out?--MONTH In what month and year was the loan taken out?--MONTH In what month and year was the loan taken out?--MONTH

(NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code MONTH (01-12) 0. Inap. (No loan) 2713(1) 2730(2) 2813(3) 2830(4) 2913(5) 2930(6) 1034(7) 1205(8) 2208(10) 2308(11) 2408(12) 2509(14) 2609(15) H5. In what month and year was this loan taken out?--YEAR

D42. D55. G13. G29.

In what month and year was this loan taken out?--YEAR In what month and year was the most recent such loan taken out?--YEAR In what month and year was the loan taken out?--YEAR In what month and year was the loan taken out?--YEAR (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code YEAR (1949-1990) 0. Inap. (No loan)

2714(1) 2731(2) 2814(3) 2831(4) 2914(5) 2931(6) 1035(7) 1206(8) 2209(10) 2309(11) 2409(12) 2510(14) 2610(15)

H6.

How much was borrowed or financed, not counting the finance charges?

D43. D56. G14. G30.

How much was borrowed, not including finance charges? How much was borrowed, not including finance charges? How much was borrowed or financed? How much was borrowed or financed, not counting the finance charges? (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code actual amount 0. Inap. (No loan)

2715(1) 2732(2) 2815(3) 2832(4) 2915(5) 2932(6) 1036(7)

H7.

Is this a regular installment loan where you pay a fixed dollar amount each month for a fixed number of months until the loan is repaid, or some other kind?

D44.

Is this a regular installment loan where you pay a fixed dollar amount each month for a fixed number of months until the loan is repaid, or some other kind?

1207(8) 2210(10) 2310(11) 2410(12) 2511(14) 2611(15)

D57. G15. G31.

Is this a regular installment loan where you pay a fixed dollar amount each month for a fixed number of months until the loan is repaid, or some other kind? Is this a regular installment loan where you pay a fixed dollar amount each month for a fixed number of months until the loan is repaid, or some other kind? Is this a regular installment loan where you pay a fixed dollar amount each month for a fixed number of months until the loan is repaid, or some other kind? (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) 1. 2. 0. REGULAR INSTALLMENT OTHER KIND Inap. (No loan)

2716(1) 2733(2) 2816(3) 2833(4) 2916(5) 2933(6) 1037(7) 1208(8) 2211(10) 2311(11) 2411(12) 2512(14) 2612(15)

H8.

How many monthly payments or years were agreed upon when the loan was received?--# PAYMENTS

D45. D58. G16. G32.

How the How the How the

many loan many loan many loan

monthly payments was received?--# monthly payments was received?--# monthly payments was received?--#

or years were agreed upon when PAYMENTS or years were agreed upon when PAYMENTS or years were agreed upon when PAYMENTS

How many monthly payments or years were agreed upon when the loan was received?--# PAYMENTS (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code # PAYMENTS -1. NO SET # 0. Inap. (No loan, type of loan "OTHER KIND")

2717(1) 2734(2) 2817(3) 2834(4) 2917(5) 2934(6) 1038(7) 1209(8) 2212(10) 2312(11) 2412(12) 2513(14) 2613(15)

H8.

How many monthly payments or years were agreed upon when the loan was received?--# YEARS

D45. D58. G16. G32.

How the How the How the

many loan many loan many loan

monthly payments was received?--# monthly payments was received?--# monthly payments was received?--#

or years were agreed upon when YEARS or years were agreed upon when YEARS or years were agreed upon when YEARS

How many monthly payments or years were agreed upon when the loan was received?--# YEARS (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)

Code # YEARS 0. Inap. (No loan, type of loan "OTHER KIND") 2718(1) 2735(2) 2818(3) 2835(4) 2918(5) 2935(6) 1039(7) 1210(8) 1220(9) 2213(10) 2313(11) 2413(12) 2425(13) 2514(14) 2614(15) 2626(16) H9. How much are the monthly payments?

D46. D59. D65b. G17. G23d. G33. G39d.

How much are the monthly How much are the monthly Altogether, how much are How much are the monthly

payments? payments? the monthly payments? payments?

How much are the total monthly payments on (this/these) loans? How much are the monthly payments? How much are the total monthly payments on (this/these) loan(s)? Code $ amount -1. NO REGULAR PAYMENTS 0. Inap. (No loan, type of loan "OTHER KIND," "NO SET # OF PAYMENTS)

1221(9) 2426(13) 2627(16)

D65b. G23d. G39d.

PER PER PER (NOTE: NOT ASKED FOR LOANS 1-8, 10-12, AND 14-15) 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (No loan, type of loan "OTHER KIND," "NO SET # OF PAYMENTS)

2719(1) 2736(2) 2819(3) 2836(4) 2919(5) 2936(6) 1040(7) 1211(8) 2214(10) 2314(11) 2414(12) 2515(14) 2615(15)

H10.

What is the typical payment and how often is it made?

D47. D60. G18. G34.

What is the typical payment, and how often is it made? What is the typical payment, and how often is it made? What is the typical payment and how often is it made? What is the typical payment and how often is it made?

(NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code -1. -2. 0. $ amount NO TYPICAL PAYMENT; no payment being made Not currently making payments Inap. (No loan; loan "REGULAR INSTALLMENT;" number of payments not "NO SET #" and monthly payments not "NO REGULAR PAYMENTS")

2720(1) 2737(2) 2820(3) 2837(4) 2920(5) 2937(6) 1041(7) 1212(8) 2215(10) 2315(11) 2415(12) 2516(14) 2616(15)

H10.

PER

D47. D60. G18. G34.

PER PER PER PER (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (No loan; loan "REGULAR INSTALLMENT;" number of payments not "NO SET #" and monthly payments not "NO REGULAR PAYMENTS")

2721(1) 2738(2) 2821(3) 2838(4) 2921(5) 2938(6) 1042(7) 1213(8) 2216(10) 2316(11) 2416(12) 2517(14) 2617(15)

H11.

In what month and year do you expect this loan to be repaid?--MONTH

D48. D61. G19. G35.

In what month and year do you expect this loan to be repaid?--MONTH In what month and year do you expect this loan to be repaid?--MONTH In what month and year do you expect this loan to be repaid?--MONTH In what month and year do you expect this loan to be repaid?--MONTH (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code MONTH

0.

Inap. (No loan; loan "REGULAR INSTALLMENT;" number of payments not "NO SET #" and monthly payments not "NO REGULAR PAYMENTS")

2722(1) 2739(2) 2822(3) 2839(4) 2922(5) 2939(6) 1043(7) 1214(8) 2217(10) 2317(11) 2417(12) 2518(14) 2618(15)

H11.

In what month and year do you expect this loan to be repaid?--YEAR

D48. D61. G19. G35.

In what month and year do you expect this loan to be repaid?--YEAR In what month and year do you expect this loan to be repaid?--YEAR In what month and year do you expect this loan to be repaid?--YEAR In what month and year do you expect this loan to be repaid?--YEAR (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code YEAR -1. NEVER; won't ever be repaid 0. Inap. (No loan; loan "REGULAR INSTALLMENT;" number of payments not "NO SET #" and monthly payments not "NO REGULAR PAYMENTS")

2723(1) 2740(2) 2823(3) 2840(4) 2923(5) 2940(6) 1044(7) 1215(8) 1219(9) 2218(10) 2318(11) 2418(12) 2424(13) 2519(14) 2619(15) 2625(16)

H12.

How much is still owed on this loan?

D49. D62. D65a. G20. G23c. G36. G39c.

How much is still owed on this loan? How much is still owed on this loan? Altogether, how much is still owed on other loans for additions or improvements? How much is still owed on this loan? Altogether, about how much is still owed on (this/these) loan(s)? (ACCEPT RANGE.) How much is still owed on this loan? Altogether, about how much is still owed on (this/these) loan(s)? (ASKED DIRECTLY FOR CASES WITH "OTHER KIND" OF LOAN, FOR CASES WITH NO SET # OF PAYMENTS, AND FOR CASES WITH NO REGULAR MONTHLY PAYMENTS; COMPUTED FOR ALL OTHER CASED USING TERMS OF LOAN) Code actual amount 0. Inap. (No loan)

2724(1) 2741(2) 2824(3) 2841(4) 2924(5) 2941(6) 1045(7) 1216(8) 2219(10) 2319(11) 2419(12) 2520(14) 2620(15)

H13.

What is the current annual rate of interest being charged on this loan?

D50. D63. G21. G37.

What is on this What is on this What is on this

the current annual rate of interest being charged loan? the current annual rate of interest being charged loan? the current annual rate of interest being charged loan?

What is the current annual rate of interest being charged on this loan? (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code % to 2 decimal places -1. Zero; no interest 0. Inap. (No loan)

2725(1) 2742(2) 2825(3) 2842(4) 2925(5) 2942(6) 1046(7)

H14.

(Please look at Card A.) Is this loan with any of the institutions on Card A,or from someplace else? (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) Please look at Card A. Is the loan with any of the institutions on Card A, or from someplace else? (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (Please look at Card A.) Is the loan with any of the institutions on Card A, or from someplace else? (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (Please look at Card A.) Is the loan with any of the institutions on Card A, or from someplace else? (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (Please look at Card A.) Is the loan with any of the institutions on Card A, or from someplace else? (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No loan)

D51.

1217(8)

D64.

2220(10) 2320(11) 2420(12) 2521(14) 2621(15)

G22.

G38.

9107(1) 9108(2) 9109(3) 9110(4) 9111(5)

R:

Type of institution

9112(6) 9086(7) 9090(8) 9102 (10) 9103 (11) 9104 (12) 9105 (14) 9106 (15)

R: R: R: R:

Type of institution Type of institution Type of institution Type of institution (NOTE: NOT AVAILABLE FOR LOANS 9, 13, AND 16) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No loan)

----------------------------------------------------------------------------BUSINESSES ----------------------------------------------------------------------------3103 M3. Do you (and your family living here) own or share ownership in any privately-held businesses, farms, professional practices or partnerships? (SEE INSTRUCTION IN BOX ABOVE.) (asked of Rs who do not operate farm/ranch business, inferred for others) 1. 5. 3104 M4. YES NO

Do you (or anyone in your family living here) have an active management role in any of these businesses? (INCLUDE THE GENERAL PARTNERS IN A LIMITED PARTNERSHIP, BUT NOT THE LIMITED PARTNERS.) (asked of Rs who do not operate farm/ranch business, inferred for others with businesses) 1. 5. 0. YES NO Inap. (No businesses)

M2.

M2a.

3105

M4a.

(Not using the booklet.) Including your (farm/ranch) business here, in how many (farms/ranches), privately-held businesses, professional practices or partnerships do you (or your family living here) own or share ownership in and have an active management role? (INCLUDE THE GENERAL PARTNERS IN A LIMITED PARTNERSHIP, BUT NOT THE LIMITED PARTNERS.) (asked of Rs who operate farm/ranch business) READ THE FOLLOWING: I will ask you first about your (farm/ranch) business. RECORD # OF BUSINESSES (FROM M2) IN BOX M5 AT TOP OF NEXT PAGE, THEN GO TO M5a In how many businesses do you (or anyone in your family living here) have an active management role? (asked of Rs who do not operate farm/ranch business) Code # BUSINESSES

0.

Inap. (No businesses, no businesses with active management role) For the public use dataset, the number of such businesses is top-coded at 10. 3107 3207 3307 M5a. What kind of business is (it/the largest business/the next business) -- that is, what does the business make or do? Farm; nursery; train dogs; forest management; agricultural services; landscaping 2. Restaurant; bar 3. Auto repair; car wash 4. Direct sales: Amway; Avon; Mary Kay; Tupperware; Stanley Home products 5. Contracting; construction services; plastering; painting; plumbing 6. Real estate; insurance 7. Professional practice, incl. law, medicine, architecture; accounting; bookkeeping 8. Beauty shop; barber shop 9. Manufacturing, incl. printing/publishing; oil field services 10. Gas station 11. Food/liquor store 12. Other retail and/or wholesale business (exc. 2, 4, 10,11) 13. Trucking; moving and storage; warehousing 14. Repair services (exc. auto, code 3): appliances, TV, upholstery, furniture, shoes 15. Personal services (exc. beauty shop, code 8): hotel, dry cleaners, funeral home 16. Entertainment services, incl. dance studio, drive-in theatre 17. Business management and consulting services 18. Other business services (exc. 17): advertising, equipment rental, computer programming, auctioneering, pest control 19. Banks and brokerage firms; mortgage/finance company 20. Communications; (cable) TV or radio stations -7. Other, incl. businesses operated outside U.S. 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) For the public use dataset, Gas stations (10), Food/liquor store (11), and Other retail (12) are combined in 12; Repair services (14), Entertainment services (16), and Other business services (18) are combined in 18; and Communications (20), and Banks and brokerage firms (19) are combined in 19. 3108 3208 3308 M6. How did you (or your family living here) acquire this business; was it bought or invested in, started by you, inherited, given to you, or what? 1.

1. 2. 3. 4. 5. -7. 0.

BOUGHT/INVEST STARTED INHERITED GIVEN Joined/became partner OTHER Inap. (No businesses, no businesses with active management role, no further businesses with active management role)

3109 3209 3309

M7.

When you invested did you (or anyone in your family living here) intend to make day-to-day decisions and work at least 5 hours per week in the business? 1. YES 5. NO 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) In what year did you (start/acquire) the business? Code YEAR 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) For the public use dataset, the year is rounded to the nearest 5.

3110 3210 3310

M8.

3111 3211 3311

M9.

How many employees does it have including you (and members of your family)? Code # EMPL -1. No one working in business; business is about to be sold 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) For the public use dataset, the number of employees is top-coded at 2500.

M9b.

Which members of your family living here work in the business? (Asked for R does not live alone, inferred for R lives alone) A. R

3113 3213 3313 3114 3214 3314 3115

M9b.

M9b.

B. SPOUSE

M9b.

C.

ADULT CHILD

3215 3315 3116 3216 3316 3117 3217 3317 M9b. D. OTHER ADULT IN HH

M9b.

E. OTHER--Person(s) under 18 in HH 1. 5. 0. Checked Not checked Inap. (No businesses, no businesses with active management role, no further businesses with active management role)

3118 3218 3318

M9c.

(Other than you [and your husband/wife]), how many hours does the (other/most involved) family member work in this business in a normal week? Code HRS 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role, no one in family living there other than respondent and spouse works for business)

3119 3219 3319

M9d.

Is it a partnership, a sole proprietorship, a subchapter S corporation, another type of corporation, or what? 1. 2. 3. 4. -7. 0. PARTNERSHIP SOLE PROPRIETORSHIP SUBCHAPTER S OTHER CORPORATION OTHER Inap. (No businesses, no businesses with active management role, no further businesses with active management role)

3120 3220 3320

M10.

Are you (or your family living here) using personal assets as collateral or did you have to cosign or guarantee any loans for this business? 1. 5. 0. YES NO Inap. (No businesses, no businesses with active management role, no further businesses with active management role)

3121 3221 3321

M10a.

How much is guaranteed or collateralized? Code actual amount

0.

Inap. (No businesses, no businesses with active management role, no further businesses with active management role, no cosigned loans or loan guarantees)

3122 3222 3322

M10b.

Did I record this earlier? 1. 5. 8. 9. 0. YES NO DK NA Inap. (No businesses, no businesses with active management role, no further businesses with active management role, no cosigned loans or loan guarantees)

3123 3223 3323

M11.

(Other than guarantees,) does the business owe you (or your family living here) any money? 1. 5. 0. YES NO Inap. (No businesses, no businesses with active management role, no further businesses with active management role)

3124 3224 3324

M11a.

How much is owed? Code actual amount 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role, business does not owe R money)

3125 3225 3325

M12.

Do you (or your family living here) owe the business any money? 1. 5. 0. YES NO Inap. (No businesses, no businesses with active management role, no further businesses with active management role)

3126 3226 3326

M12a.

How much do you owe? Code actual amount 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role, R and family do not owe business money)

3127 3227 3327

M12b.

Did I record this earlier? 1. 5. 8. 9. 0. YES NO DK NA Inap. (No businesses, no businesses with active management role, no further businesses with active management role, R and family do not owe business money)

3128 3228 3328

M13.

What percentage of the business do you (and your family living here) own? Code PERCENT to 2 decimal places 10000. 0. ALL Inap. (No businesses, no businesses with active management role, no further businesses with active management role)

3129 3229 3329

M14.

What could you sell it for? (What is your share worth?) Code actual amount -1. NOTHING 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role)

3130 3230 3330

M15.

If you sold the business now, what would be the cost basis for tax purposes of this share? (What was your original investment?) Code actual amount -1. NOTHING 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role)

3131 3231 3331

M16.

What were the gross receipts or gross sales of the business as a whole in 1988? Code actual amount -1. NONE 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role)

3132

M17.

What was the business's total net income before taxes in

3232 3332

1988? Code actual amount -1. NONE 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) M18. What is the total book value of all owners' or shareholders' equity in this business? Code actual amount -1. NONE 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) M19a. For the remaining business(es) you (and your family living here) own and actively manage, what could you sell your share for? (What is your share worth?) Code actual amount -1. NOTHING 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role)

3133 3233 3333

3335

3336

M19b.

If you sold (these businesses/this business) now, what would be the cost basis for tax purposes of your share? (What was your original investment?) Code actual amount -1. NOTHING 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role)

3337

M19c.

What was the total net income you (and your family living here) received from (these businesses/this business) in 1988? Code actual amount -1. NONE 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role)

3401

M20.

Do you (or anyone in your family living here) own or have an interest in any other businesses or partnerships where you do not have an active management role? (Asked if R has business with managment interest, inferred for others with businesses)

1. 5. 0. 3402 M20a.

YES NO Inap. (No businesses)

How many of these (other) businesses or partnerships do you (and your family living here) own or share ownership in? Code NUMBER 0. Inap. (No businesses, no businesses without management role) For the public use dataset, the number of such businesses is top-coded at 50.

#1: #2: #3: #4: #5: #6:

Limited partnerships Other partnerships S-corporations Other corporations Sole proprietorships Other types M20b. Is it a sole-proprietorship, a limited partnership, another type of partnership, a Subchapter S-corporation, another type of corporation, or what? (ASKED IF ONLY ONE BUSINESS) (I need to know what type of businesses these are.) Are any of them (TYPE: Limited Partnerships, Other Partnerships, S-Corporations, Sole Proprietorships, Other Types)? (ASKED IF MORE THAN ONE BUSINESS) 1. 5. 0. YES NO Inap. (No businesses, no businesses without management role no TYPE businesses with active management role)

3407(#1) 3411(#2) 3415(#3) 3419(#4) 3423(#5) 3427(#6)

M21.

3408(#1) 3412(#2) 3416(#3) 3420(#4) 3424(#5) 3428(#6)

M20c. M22a.

What could you sell your (family's) share for? (What is it worth?) (ASKED IF ONLY ONE BUSINESS) What could you sell your (family's) share of all these (TYPE) for? (What is it worth?) (ASKED IF MORE THAN ONE BUSINESS) Code -1. -2. 0. actual amount Nothing; zero LOSS; negative amount Inap. (No businesses, no businesses without management role no TYPE businesses with active management role)

3409(#1) 3413(#2) 3417(#3) 3421(#4) 3425(#5)

M20d. M23a.

If you sold this (business/partnership) now, what would be the cost basis for tax purposes? (What was your original investment?) (ASKED IF ONLY ONE BUSINESS) If you sold these (TYPE) now, what would be the cost basis for tax purposes of these shares? (What was your original

3429(#6)

investment?) (ASKED IF MORE THAN ONE BUSINESS) Code -1. -2. 0. actual amount Nothing; zero LOSS; negative amount Inap. (No businesses, no businesses without management role no TYPE businesses with active management role)

3410(#1) 3414(#2) 3418(#3) 3422(#4) 3426(#5) 3430(#6)

M20e. M24a.

What was the total net income you (and your family living here) received from this (business/partnership) in 1988? (ASKED IF ONLY ONE BUSINESS) What was the total net income you (and your family living here) received from all such (TYPE) in 1988? (ASKED IF MORE THAN ONE BUSINESS) Code actual amount -1. Nothing; zero 0. Inap. (No businesses, no businesses without management role no TYPE businesses with active management role)

----------------------------------------------------------------------------FINANCIAL AND OTHER ASSETS, MISC. ----------------------------------------------------------------------------3501 N1. Now I'd like to ask about different types of assets that you might have. First, do you (or anyone in your family living here) have any checking accounts? 1. 5. 3502 N2. YES NO

Have you (or anyone in your family living here) ever had a checking account? 1. 5. 0. YES NO Inap. (R has checking account)

3503

N2a.

(RB, P. 10) Looking at this list, please tell me which is the most important reason (you don't/your family doesn't) have a checking account. 1. 2. 3. 4. 5. 95. 96. -7. 0. DON'T WRITE ENOUGH CHECKS TO MAKE IT WORTHWHILE MINIMUM BALANCE IS TOO HIGH DO NOT LIKE DEALING WITH BANKS SERVICE CHARGES ARE TOO HIGH NO BANK HAS CONVENIENT HOURS OR LOCATION Don't have (enough) money Can't manage/balance a checking account OTHER Inap. (R has checking account)

3504

N3.

(Not using the booklet.) How many checking accounts do you (and your family living here) have? (IF R ASKS: INCLUDE MONEY MARKET ACCOUNTS WITH CHECKWRITING PRIVILEGES ONLY IF THEY ARE AT BANKS, SAVINGS AND LOANS, OR CREDIT UNIONS) Code # ACCOUNTS 0. Inap. (No checking accounts) For the public use dataset, the number of checking accounts is top-coded at 20.

3505(#1) 3509(#2) 3513(#3) 3517(#4) 3521(#5) 3525(#6)

N4.

(Please look at Card A.) (Thinking checking account, the one used to checks, / About the next account) of the institutions on Card A, or (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of

about your main write most of your is this account with any from someplace else? institution is that?)

See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No checking accounts, no further checking accounts) 9113 9114 9115 9116 9117 9118 (1) (2) (3) (4) (5) (6) R: Type of institution

See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No checking accounts, no further checking accounts) N5. How much is in this account? the last month?) (What was the average over

3506(#1) 3510(#2) 3514(#3) 3518(#4) 3522(#5) 3526(#6)

Code actual amount -1. Nothing; zero 0. Inap. (No checking accounts, no further checking accounts)

3507(#1) 3511(#2) 3515(#3) 3519(#4) 3523(#5) 3527(#6)

N6.

Is this a money market-type account? 1. 5. 0. YES NO Inap. (No checking accounts, no further checking accounts)

3529

N8.

How much is in all your (family's) remaining checking accounts? (What was the average over the last month?) Code actual amount 0. Inap. (No checking accounts, no further checking accounts)

3530

N9.

(RB, P. 11) Which of the reasons on this page is the most important reason (you/your family living here) chose the institution that you did for your main checking account? (Was it because of the location of their offices, because they had the lowest fees or minimum balance requirement, because you were able to obtain many services at one place, because they offered safety and an absence of risk, or some other reason?) 1. 2. 3. 4. 5. 6. 7. 8. 9. 11. -7. 0. Recommended Low interest rate LOCATION OF OFFICES Other business done here Easy to qualify (for credit); only place that would give us a loan MANY SERVICES IN ONE PLACE LOW FEES or service charges; they pay interest on account(s) SAFETY Other convenience mentions: payroll deduction feature; "convenience"--NFS Personal relationship; they know me; know/like them; R/Spouse works there OTHER Inap. (No checking accounts)

3531

N9a.

(Not using the booklet.) For how many years (have you/has someone in your family living here) done business with this institution? Code YEARS -1. LESS THAN ONE YEAR 0. Inap. (No checking accounts)

3601

N10.

Do you (or anyone in your family here) have any Individual Retirement Accounts, that is, IRA or Keogh accounts? 1. 5. YES NO

#1: Respondent #2: Spouse #3: Other family members 3602 3612 N10a. N10a. N10a. Who has IRA or Keogh accounts? RESPONDENT SPOUSE ACCOUNTS

3622

N10a.

OTHER PERSONS 1. 5. 0. YES NO (or: no spouse or partner in PEU: X107^=1/no other PEU members: (X113, X125, X131, X137, X207, X213, X219, X225)^=1) Inap. (No IRA/Keogh accounts: X3601^=1)

3603 3613 3623

N11.

How many IRA and Keogh accounts does (PERSON) have? Code # ACCTS 0. Inap. (No IRA or Keogh accounts, PERSON has no IRA or Keogh accounts) For the public use dataset, the number of accounts is top-coded at 20.

N12. 3604 3614 3624 N12A.

About (PERSON'S) accounts (are these/is this an) IRA or Keogh account(s)? (CHECK ALL THAT APPLY.) IRA 1. 2. 5. 0. Checked (IRA) IRA/SEP (volunteered) Not checked Inap. (No IRA or Keogh accounts, PERSON has no IRA or Keogh accounts)

3605 3615 3625

N12B.

KEOGH 1. 5. 0. Checked Not checked Inap. (No IRA or Keogh accounts, PERSON has no IRA or Keogh accounts)

3606 3607 3608 3609 3616 3617 3618 3619 3626 3627 3628 3629 9119 9120 9121 9122 9123

(#1a) N13. (#1b) (#1c) (#1d) (#2a) (#2b) (#2c) (#2d) (#3a) (#3b) (#3c) (#3d) (#1a) R: (#1b) (#1c) (#1d) (#2a)

(Please look at Card A.) (Is this/Are they) with any of the institutions on Card A, or from someplace else? (CHECK ALL THAT APPLY.) (IF CARD A: Which institution(s)?) (IF SOMEPLACE ELSE: What type(s) of institution(s)? See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No IRA or Keogh accounts, PERSON has no IRA or Keogh accounts)

Type of institution

9124 9125 9126 9127 9128 9129 9130

(#2b) (#2c) (#2d) (#3a) (#3b) (#3c) (#3d) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No IRA or Keogh accounts, PERSON has no IRA or Keogh accounts)

3610 3620 3630

N14.

How much in total is in (PERSON'S) account(s)? Code actual amount 0. Inap. (No IRA or Keogh accounts, PERSON has no IRA or Keogh accounts)

3631

N15.

How is the money in (this/all of your [family's]) IRA and Keogh account(s) invested? Is most of it in CDs or other bank accounts, most of it in stocks, most of it in bonds or similar assets, or what? 1. 2. 3. 4. 5. 6. -7. 0. CD'S/BANK ACCOUNTS; "money market" STOCK; "mutual funds" BONDS/SIMILAR ASSETS; T-bills; Treasury notes Combination of 1, 2, and 3; "mixed"/"diversified"--NFS Combination of 2 & 3 above Combination of 1 & 2 above OTHER (incl. combinations exc. 5 & 6 above) Inap. (No IRA or Keogh accounts)

3701

N16.

Not including any accounts I have already recorded, do you (or anyone in your family here) have any money market accounts? 1. 5. YES NO

3702

N16a.

Altogether, how many money market accounts do you (and your family living here) have? Code # OF MONEY MARKET ACCOUNTS 0. Inap. (No money market accounts)

3703(#1) 3708(#2) 3713(#3)

N17.

Does the (largest/next) account have check-writing privileges? 1. 5. 0. YES NO Inap. (No money market accounts, no further money market accounts)

3704(#1) 3709(#2) 3714(#3)

N18.

Is this a tax-free money market account? 1. 5. 0. YES NO Inap. (No money market accounts, no further money market accounts)

3705(#1) 3710(#2) 3715(#3)

N19.

(Please look at Card A.) Is this account with any of the institutions on Card A, or from someplace else? (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No money market accounts, no further money market accounts)

9131 (1) 9132 (2) 9133 (3)

R:

Type of institution See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No money market accounts, no further money market accounts)

3706(#1) 3711(#2) 3716(#3)

N20.

How much is in this account? Code actual amount -1. Zero; none now 0. Inap. (No money market accounts, no further money market accounts)

3718

N21a.

How much is in all your (family's) remaining money market accounts? Code actual amount 0. Inap. (No money market accounts, no further money market accounts)

3719

N22.

Do you (or anyone in your family here) have any CD's or certificates of deposit at financial institutions? (IF YES, SAY: Please do not include CD's that are part of IRAs or Keoghs.) (IF R ASKS: CD'S ARE CERTIFICATES HELD FOR A SET PERIOD OF TIME THAT MUST BE CASHED OR RENEWED AT THE MATURITY DATE.) 1. 5. YES NO

3720

N22a.

Altogether, how many such CD's do you (and your family living here) have?

Code # CERTIFICATES 0. Inap. (No CDs) 3721 N22b. What is the total dollar value of (this/all these) CD's? Code actual amount 0. Inap. (No CDs) 3722 3723 3724 3725 N22c. (Please look at Card A.) (Is this/Are these) CD's with any of the institutions on Card A, or from someplace else? (CHECK ALL THAT APPLY) (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No CDs, no further institutions) 9134 9135 9136 9137 (1) (2) (3) (4) R: Type of institution

See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No CDs, no further institutions) N23. Do you (or anyone in your family living here) have any (other) accounts at banks, savings and loan associations, or credit unions? These could be passbook accounts, share accounts, Christmas Club accounts, or any other type of savings account. 1. 5. YES NO

3801

3802

N23a.

Altogether, how many such accounts do you (and your family living here) have? Code # ACCOUNTS 0. Inap. (No savings accounts)

3803(#1) 3806(#2) 3809(#3) 3812(#4) 3815(#5)

N24.

(Please look at Card A.) Is the (next) largest account with any of the institutions on Card A, or from someplace else? (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No savings accounts, no further savings accounts)

9138 (#1) 9139 (#2)

R:

Type of institution

9140 (#3) 9141 (#4) 9142 (#5) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No savings accounts, no further savings accounts) 3804(#1) 3807(#2) 3810(#3) 3813(#4) 3816(#5) N25. How much is in this account? Code actual amount -1. 0. Nothing; zero Inap. (No savings accounts, no further savings accounts)

3818

N26a.

How much is in all your (family's) remaining such accounts? Code actual amount -1. Nothing; zero 0. Inap. (No savings accounts, no further savings accounts)

3819

N27.

Do you (or anyone in your family here) have any mutual fund holdings? (IF YES, SAY: Please do not include any pension-type, thrift-saving, 401-K, or IRA/Keogh plans, or accounts I have already recorded.) 1. 5. YES NO

3820

N27a.

In how many different mutual funds (do you/does your family) own shares? Code # MUTUAL FUNDS 0. Inap. (No mutual funds)

N28. 3821 3823 3825 3827 3829 N28a. N28b. N28c. N28d. N28e.

I need to know what type(s) of mutual fund(s) (this is/these are)? (Is it/Are any of them)... Stock Funds (Are any of them) Tax-Free Bond Funds (Are any of them) Government or Government backed Bond Funds (Are any of them) other Bond Funds Combination funds or any other mutual funds (INCLUDE "DK TYPE" HERE) 1. 5. 0. YES NO Inap. (No mutual funds)

3822

N29a.

What is the total market value of all of the (TYPE)

3824 3826 3828 3830

that you (and your family living here) have?

Code actual amount 0. Inap. (No mutual funds, no TYPE mutual funds) N30. Overall has there been a gain or loss in the value of all these mutual fund shares since you (or someone in your family here) obtained them? 1. 3. 5. 0. GAIN NEITHER GAIN NOR LOSS LOSS Inap. (No mutual funds)

3831

3832

N30a.

How much have they gained in value since they were obtained?--PERCENT Code PERCENT to 2 decimal places -2. Virtually all 0. Inap. (No mutual funds, loss or no change in value of mutual funds)

3833

N30a.

How much have they gained in value since they were obtained?--AMOUNT Code actual amount -2. Virtually all 0. Inap. (No mutual funds, loss or no change in value of mutual funds)

3834

N30b.

How much have they lost in value since they were obtained?--PERCENT Code PERCENT to 2 decimal places -2. Virtually all 0. Inap. (No mutual funds, gain or no change in value of mutual funds)

3835

N30b.

How much have they lost in value since they were obtained?--AMOUNT Code actual amount -2. Virtually all 0. Inap. (No mutual funds, gain or no change in value of mutual funds)

3901

N31.

Do you (or anyone in your family here) have any U.S. government savings bonds? (THESE MAY BE CALLED SERIES EE OR HH. THEY CAN BE PURCHASED BY PAYROLL DEDUCTION.)

1. 5. 3902 N31a.

YES NO

What is the total face value of all the savings bonds that you (and your family) have? Code actual amount 0. Inap. (No savings bonds)

3903

N32.

Do you (or anyone here) have any other corporate, municipal, government, or other type of bonds or bills? (IF YES, SAY: Please do not include any bonds or bills held in pension accounts or trusts, or in accounts I have already recorded.) 1. 5. YES NO

3904

N32a.

How many different bonds or bills do you (or your family) own? Code # BONDS OR BILLS 0. Inap. (No bonds or bills) For the public use dataset, the number of bonds is is top-coded at 150.

N33. 3905 3907 3909 3911 N33a. N33b. N33c. N33d.

I need to know what type(s) of bond or bill (this is/these are)? (Is it/Are any of them)... Mortgage-backed bonds such as those from "Ginnie-Mae", "Fannie-Mae" or "Freddie-Mac" U.S. Government bonds or Treasury bills State or municipal bonds, or other taxfree bonds Corporate or foreign bonds, or any other type of bonds (INCLUDE "DK TYPE" HERE) 1. 5. 0. YES NO Inap. (No bonds or bills)

3906 3908 3910 3912

N34a.

What is the total face value of all of the (TYPE) that you (and your family living here) have? Code actual amount 0. Inap. (No bonds or bills, no TYPE bonds or bills)

3913

N35.

Do you (or anyone in your family living here) own any publicly traded stock? (IF YES, SAY: Please do not include any stock held through mutual funds, pension accounts or trusts, or in accounts or businesses that I have already recorded.)

1. 5. 3914 N36.

YES NO

In how many different companies do you (or your family living here) own stock? Code # COMPANIES 0. Inap. (No publicly traded stock) For the public use dataset, the number of companies is top-coded at 150.

3915

N37.

What is the total market value of this stock? Code actual amount 0. Inap. (No publicly traded stock)

3916

N38.

Overall has there been a gain or loss in the value of this stock since you (or someone in your family here) obtained it? 1. 3. 5. 0. GAIN NEITHER GAIN NOR LOSS LOSS Inap. (No publicly traded stock)

3917

N38a.

How much has it gained in value since it was obtained? --PERCENT Code PERCENT to 2 decimal places -2. Virtually all 0. Inap. (No publicly traded stock, loss or no change in value of publicly traded stock)

3918

N38a.

How much has it gained in value since it was obtained? --AMOUNT Code actual amount -2. Virtually all 0. Inap. (No publicly traded stock, loss or no change in value of publicly traded stock)

3919

N38b.

How much has it lost in value since it was obtained? --PERCENT Code PERCENT to 2 decimal places -2. Virtually all 0. Inap. (No publicly traded stock, gain or no change in value of publicly traded stock)

3920

N38b.

How much has it lost in value since it was obtained?

--AMOUNT Code actual amount -2. Virtually all 0. Inap. (No publicly traded stock, gain or no change in value of publicly traded stock) 3921 N39. Of your (family's) stock, is any of it stock in a company where you (or anyone in your family living here) have worked? 1. 5. 0. 3922 N39a. YES NO Inap. (No publicly traded stock)

What is the total market value of this stock in the company? Code actual amount 0. Inap. (No publicly traded stock, no publicly traded stock in company where work)

3923

N40.

Do you (or anyone in your family here) have a brokerage account for the purchase or sale of stocks and other securities? 1. 5. 0. YES NO Inap. (No publicly traded stock)

3924 3925 3926 3927

N40a.

(Please look at Card A.) (Is this/Are these) accounts with any of the institutions on Card A, or from someplace else? (CHECK ALL THAT APPLY.) (IF CARD A: Which institution(s)?) (IF SOMEPLACE ELSE: What type(s) of institution(s)?) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No publicly traded stock, no brokerage account, no further institutions)

9143 9144 9145 9146

(1) (2) (3) (4)

R:

Type of institution

See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No publicly traded stock, no brokerage account, no further institutions) 3928 N40b. Over the past year, about how many times did you (or anyone in your family living here) buy or sell stocks or other securities through a broker? (ACCEPT RANGE.)

Code # TIMES -1. NONE 0. Inap. (No publicly traded stock, no brokerage account) For the public use dataset, the number of time the R traded stock is top-coded at 150. 3929 N40c. 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. 5. 0. 3930 N40d. YES NO Inap. (No publicly traded stock, no brokerage account)

What is the total dollar value of all the cash or call money accounts that you (and your family living here) have? Code actual amount -1. Zero; nothing now 0. Inap. (No publicly traded stock, no brokerage account, no call account)

3931

N40e.

Other than loans you have already told me about, do you (or anyone in your family living here) have any margin loans at a stock brokerage? 1. 5. 0. YES NO Inap. (No publicly traded stock, no brokerage account)

3932

N40f.

Altogether, how much is owed on these margin loans? Code actual amount 0. Inap. (No publicly traded stock, no brokerage account, no margin loans)

3933

N41.

Do you (or anyone in your family here) receive income from or have assets in a trust, annuity, or managed investment account that you have not already told me about? (IF YES, SAY: Please do not include pension-type accounts, or any assets that I have already recorded.) 1. 5. YES NO

N42. 3934 N42A.

What are these; are they legal trusts, annuities, or managed investment accounts? (CHECK ALL THAT APPLY) LEGAL TRUSTS

3935 3936 3937

N42B. N42C. N42D.

ANNUITIES MANAGED INVESTMENT ACCOUNTS OTHER: 1. 5. 0. Checked Not checked Inap. (No trusts, annuities, or managed investment accounts)

3938

N43.

Are any of these set up so that you (or your family living here) are legally entitled only to the income and do not have an equity interest? 1. 5. 0. YES NO Inap. (No trusts, annuities, or managed investment accounts)

3939

N43a.

How much income did (you/your family living here) receive from these income-only trusts, annuities, or accounts in 1988? Code actual amount -1. ZERO; none yet 0. Inap. (No trusts, annuities, or managed investment accounts; no income-only accounts)

3940

N43b.

Do you (or your family living here) also have annuities, trusts, or managed investment accounts in which you (or your family) have an equity interest? 1. 5. 0. YES NO Inap. (No trusts, annuities, or managed investment accounts; no income-only accounts)

N43c. 3942 N44.

What is the total dollar amount of your (family's) interest in these accounts? (Asked if R has income-only accounts) What is the total dollar value of your (family's) interest in all annuities, trusts, or managed investment accounts? (Asked if R does not have income-only accounts) Code actual amount 0. Inap. (No trusts, annuities, or managed investment accounts; no equity interest in such accounts)

3943 3944 3945 3946

N45.

Who manages your (family's) trusts, annuities, or investment accounts,--is it any of the institutions on Card A, or are they managed by someone else? (CHECK ALL THAT APPLY.) (IF CARD A: Which institution(s)?)

(IF SOMEPLACE ELSE: manages them?)

What type of institution(s) or who

See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No trusts, annuities, or managed investment accounts; no further institutions) 9147 9148 9149 9150 (1) (2) (3) (4) R: Type of institution

See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No trusts, annuities, or managed investment accounts; no further institutions) N46. How is the money in these trusts and managed accounts invested? Is most of it in stocks, most of it in bonds or other interest-earning assets, or what? 1. 2. 3. 5. 6. -7. 8. 9. 0. STOCKS; "mutual fund" (exc. money market) BONDS/INTEREST/CD's/money market Real estate Combination of 1 & 2; "mutual funds and CD's" "Mixed"; "diversified" OTHER; combination of 1, 2 & 3 DK NA Inap. (No trusts, annuities, or managed investment accounts)

3947

4001

N47.

Do you (or anyone in your family living here) have any life insurance, including individual or group policies? 1. 5. YES NO

4002

N48.

Are any of these group or individual term insurance policies? (IF R ASKS: TERM INSURANCE POLICIES HAVE NO VALUE UNLESS THE PERSON DIES. MANY SUCH POLICIES ARE ISSUED THROUGH EMPLOYERS AND UNIONS.) 1. 5. 0. YES NO Inap. (No life insurance)

4003

N48a.

What is the current face value of all the term life policies that you (and your family living here) have? Code actual amount 0. Inap. (No life insurance, no term insurance)

4004

N49.

Do you have any policies that build up a cash value or that you can borrow on? (IF R ASKS: THESE ARE SOMETIMES CALLED "WHOLE LIFE" OR "STRAIGHT LIFE".) 1. 5. 0. YES NO Inap. (No life insurance)

N50.

4005

N49a.

What is the current face value of all the (other) life insurance policies that you (and your family living here) own? (Amount assigned to term or whole-life insurance in imputation) What is the current face value of all of the policies that build up a cash value that you (and your family living here) have? Code actual amount 0. Inap. (No life insurance, no whole-life insurance)

4006

N49b.

What is the total cash value of these policies? (EDITED TO BE GROSS CASH VALUE WHEN REPORTED AS NET) Code actual amount -1. Zero; none yet 0. Inap. (No life insurance, no whole-life insurance)

4007

N49c.

Are you (or your family) borrowing against these policies? 1. 5. 0. YES NO Inap. (No life insurance, no whole-life insurance)

4008

N49d.

(ASK ONLY IF AN AMOUNT WAS GIVEN IN N49b.) Is the cash value you just gave me net of any loans you have against the policy or is it the gross cash value? (IF R ASKS: THE NET VALUE IS THE TOTAL CASH VALUE MINUS ANY LOANS.) 1. 2. 3. 0. NET GROSS Value reported at N49b reported as net, but recoded to gross Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance)

4009

N49e.

Did I record these loans earlier in the interview? 1. 5. 0. YES NO Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance)

8175

R:

Link code for loan mentioned earlier 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 101. 0. B10, #1 B10, #2 B10, #3 B10, #4 D36, col. 1 D36, col. 2 D36, col. 3 D51 D53h, col. 1 D53h, col. 2 D53h, col. 3 D64 E33, col. 1 E33, col. 2 E33, col. 3 G22, col. 1 G22, col. 2 G22, col. 3 G38, col. 1 G38, col. 2 H14, col. 1 H14, col. 2 H14, col. 3 H14, col. 4 H14, col. 5 H14, col. 6 Link not made Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance)

4010

N49f.

How much is currently borrowed? Code actual amount 0. Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance)

4011

N49g.

Typically how often (do you/does your family) make payments on these loans and how large are the payments? Code $ amount -1. NO TYPICAL PAYMENTS 0. Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance)

4012

N49g.

PER 2. 3. 4. 5. 6. -7. Week Biweekly Month Quarter Year Other

0.

Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance)

4013

N49h.

What is the current annual rate of interest being charged on these loans? Code % to 2 decimal places -1. Zero; none 0. Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance)

4014

N49j.

How much in total are the yearly premiums for these policies that build up a cash value? Code actual amount -1. Nothing; paid in full 0. Inap. (No life insurance, no whole-life insurance)

4015

N49j.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (No life insurance, no whole-life insurance)

4017

N51.

We have talked about various types of savings, investments, and loans. Other than what I have already recorded, are you (or anyone in your family living here) owed any money by friends, relatives, businesses, or others? (WE DO NOT WANT TO INCLUDE PENSION-TYPE OR EMPLOYER PROFIT-SHARING ACCOUNTS HERE.) 1. 5. YES NO

4018

N51a.

Altogether, how much are you owed? Code actual amount 0. Inap. (No other loans owed to R)

4019

N52.

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, future proceeds from a lawsuit or estate, oil and gas leases, futures contracts, royalties, or something else? (DO NOT INCLUDE PENSION-TYPE OR EMPLOYER PROFIT-SHARING

ACCOUNTS HERE.) 1. 5. 4020 4021 4024 4025 4028 4029 (#1a) N52a. (#1b) (#2a) (#2b) (#3a) (#3b) YES NO What kind of asset

(About the most valuable of these ..) is it? 1. 2. 3. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25.

Gold Silver (incl. silverware) Other metals or metals NA type Jewelry; gem stones (incl. antique) Cars (antique or classic) Antiques; furniture Art objects; paintings; sculpture (Rare) books Coin collections Stamp collection Guns Real estate (exc. cemetery) (overflow from C20) Cemetery plots China; figurines; crystal Musical instruments Livestock; horses Oriental rugs Furs Other collections, incl. baseball cards, records, wine 61. Loans to friends/relatives 62. Other loans/debts owed to R 63. Cash, n.e.c. 64. Future proceeds from a lawsuit 65. " " " an estate 66. Deferred compensation 71. Oil/gas/mineral leases or investments 72. (Commodity) futures contracts 73. Royalties 74. Non-publicly traded stock -7. Other 0. Inap. (No other assets, no additional other assets) For the public use dataset, Future proceeds from a lawsuit (64) and Future proceeds from an estate (65) are combined in 64; Antiques and furniture (12), Art objects (13), Rare books (14), and Oriental rugs (23) are combined in 12; Commidity's (72), Royalties (73), and Non-publicly traded stock (74) are combined in 72; and Cars (11), Furs(24), and Other (-7) are combined in -7. What is the total dollar value that you (and your family living here) have in (TYPE)? Code actual amount 0. Inap. (No other assets, no additional other assets)

4022(#1) 4026(#2) 4030(#3)

N52b.

4031

N53.

Do you (or anyone in your family living here) owe any other money not recorded earlier? 1. 5. YES NO

4032

N53a.

How much is still owed on these loans? Code actual amount 0. Inap. (No other money owed)

----------------------------------------------------------------------------CURRENT JOB ----------------------------------------------------------------------------R1. We are interested in your present job status. Are you working now, temporarily laid off, unemployed and looking for work, disabled and unable to work, retired, a student (a homemaker), or what? (CHECK ALL THAT APPLY.) We are interested in your (husband's/wife's) present job status. Is (he/she) working now, temporarily laid off, unemployed and looking for work, disabled and unable to work, retired, a student (a homemaker), or what? (CHECK ALL THAT APPLY.) IF R/S IS "WORKING NOW" AND ANY OTHER CATEGORY, ASK ALL FOLLOW-UP QUESTIONS AND GO TO NEXT PAGE, R2/S2.

S1.

4100 4700

R1-R1e. SUMMARY OF OCCUPATION STATUS AND WORKING NOW S1-S1e. SUMMARY OF OCCUPATION STATUS AND WORKING NOW CURRENTLY WORKING FOR PAY: 11. Worker only 12. Worker + disabled 13. Worker + retired 14. Worker + student 15. Worker + homemaker 16. Worker + unemployed/looking for work 17. Worker + temporarily laid off (NO at R1a, YES at R1c, R2=current job) NO CURRENT WORK FOR PAY: 20. Temporarily laid off only (R2=job laid off from, to which R expects to return [YES or DK at R1a]) 21. Temporarily laid off--does not expect to return to job and no current work 30. Unemployed and looking for work 50. Retired only 52. Disabled only "Homemaker" is a low priority working status coded only in 80 and 15. For other combinations including "Homemaker", choose a code on the basis of the other item(s) checked.

70. 80.

Student only Homemaker/other not in labor force only

90.

96. 97. 199. 0. 4101 4701 R1a. S1a.

Unpaid family workers: R's who volunteer that they work in a family business or farm and are unpaid. (Do not include here "volunteer work" for charitable or non-profit organizations.) Other combination incl. WORKER Other (incl. combination) not including WORKER Absent spouse not included in IW Inap. (No spouse)

Do you expect to go back to this job? Does (he/she) expect to go back to this job? 1. 5. 0. YES NO Inap. (No spouse, not temporarily laid off)

4102 4702

R1b. S1b.

When did you last work on this job?--MONTH When did (he/she) last work on this job? MONTH Code MONTH 0. Inap. (No spouse, not temporarily laid off)

4103 4703

R1b. S1b.

When did you last work on this job?--YEAR When did (he/she) last work on this job? YEAR Code YEAR 0. Inap. (No spouse, not temporarily laid off)

4104 4704

R1d. S1d.

When did you (retire/become disabled)? When did (he/she) (retire/become disabled)? Code YEAR 0. Inap. (No spouse, not retired/disabled)

4105 4705

R1c/R1e. S1c/S1e.

Are you doing any work for pay at the present time? Is (he/she) doing any work for pay at the present time? 1. 5. 0. YES NO Inap. (No spouse, currently working)

4106 4706

R2. S2.

Next are some questions about your current, main job. Do you work for someone else, are you self-employed, or what? Next are some questions about (his/her) current, main job. Does (he/she) work for someone else, is (he/she) self employed, or what? 1. 2. 0. SOMEONE ELSE SELF-EMPLOYED Inap. (No spouse, not currently working)

4107 4707

R2. R14. S2. S14.

EDITOR PRECODE: BUSINESS/JOB CONNECTION (R NOT SE) MARK BOX (BUSINESS IS FROM SECT. M) (R SE) EDITOR PRECODE: BUSINESS/JOB CONNECTION (S NOT SE) MARK BOX (BUSINESS IS FROM SECT. M) (S SE) Precoded by editor in green 1. 2. 3. 4. This job associated with Bus #1 at M5a " " " " Bus #2 " " " " " " Bus #3 " " This job is associated with business listed at M5a, BUT it is a) a business beyond #3 (at M19a-c) or (b) associated with more than one M5a business or (c) NA which business Job not associated with a business at M5a-M19c or a property at E5; NO businesses listed in M5a-M19c and no properties listed at E15 NA Inap. (No spouse, not currently working)

5. 9. 0. 4108 R3. R4. R14. 4708 S3. S4. S14.

What is the official title of your job? (The title that your employer uses?) (R NOT SE) What sort of work do you do on your main job? (Tell me a little more about what you do.) (R NOT SE) What sort of work do you do? (Tell me a little more about what you do.) (IWER: IF R WORKS FOR BUSINESS REPORTED IN SECTION M, MARK BOX.) (R SE) What is the official title of (his/her) job? (The title that (his/her) employer uses?) (S NOT SE) What sort of work does (he/she) do on (his/her) main job? (Tell me a little more about what (he/she) does.) (S NOT SE) What sort of work does (he/she) do? (Tell me a little more about what (he/she) does.) (IWER: IF S WORKS FOR BUSINESS REPORTED IN SECTION M, MARK BOX.) ( S SE) Code 3-digit 1970 Census OCCUPATION Code 0. Inap. (No spouse, not currently working)

7401 7411

R:

1980 Occupation code

Code 3-digit 1980 Census OCCUPATION Code 0. Inap. (No spouse, not currently working) The 1980 industry codes were collaped using the SAS code that follows below. *************************************************************************** Code to collapse occupations *************************************************************************** ARRAY OCC {*} X7401 X7405 X7407 X7409 X7411 X7415 X7417 X7419; DO I=1 TO DIM(OCC); IF (3 <= OCC{I} <=37) THEN OCC{I}=1; IF (43 <= OCC{I} <=199) THEN OCC{I}=1; IF (203 <= OCC{I} <=235) THEN OCC{I}=2;

IF IF IF IF IF IF IF IF IF IF IF

(243 (303 (403 (413 (433 (473 (503 (703 (803 (863 (905

<= <= <= <= <= <= <= <= <= <= <=

OCC{I} OCC{I} OCC{I} OCC{I} OCC{I} OCC{I} OCC{I} OCC{I} OCC{I} OCC{I} OCC{I}

<=285) <=389) <=407) <=427) <=469) <=499) <=699) <=799) <=859) <=889) <=905)

THEN THEN THEN THEN THEN THEN THEN THEN THEN THEN THEN

OCC{I}=2; OCC{I}=2; OCC{I}=3; OCC{I}=3; OCC{I}=3; OCC{I}=6; OCC{I}=4; OCC{I}=5; OCC{I}=5; OCC{I}=5; OCC{I}=3;

END; *************************************************************************** 4109 R5. R14a. 4709 S5. S14a. What kind of business or industry do you work in--that is, what do they make or do at the place where you work? (R NOT SE) What industry do you work in? That is, what do they do or make? (What industry do you typically work in?) (R SE) What kind of business or industry does (he/she) work in that is, what do they make or do at the place where (he/she) works? (S NOT SE) What industry does (he/she) work in? That is, what do they do or make? (What industry does (he/she) typically work in?) (S SE) Code 3-digit 1970 Census INDUSTRY Code 0. Inap. (No spouse, not currently working) 7402 7412 R: 1980 Industry code

Code 3-digit 1980 Census INDUSTRY Code 0. Inap. (No spouse, not currently working) The 1980 industry codes were collaped using the SAS code that follows below. *************************************************************************** Code to collapse occupations *************************************************************************** ARRAY IND {*} X7402 X7406 X7408 X7410 X7412 X7416 X7418 X7420; DO I=1 TO DIM(IND); IF (10 <= IND{I} <=31) THEN IND{I}=1; IF (40 <= IND{I} <=50) THEN IND{I}=2; IF (60 <= IND{I} <=60) THEN IND{I}=2; IF (230 <= IND{I} <=392) THEN IND{I}=2; IF (100 <= IND{I} <=222) THEN IND{I}=2; IF (400 <= IND{I} <=472) THEN IND{I}=3; IF (500 <= IND{I} <=571) THEN IND{I}=3; IF (580 <= IND{I} <=691) THEN IND{I}=3; IF (700 <= IND{I} <=712) THEN IND{I}=3; IF (721 <= IND{I} <=760) THEN IND{I}=3; IF (761 <= IND{I} <=791) THEN IND{I}=3; IF (800 <= IND{I} <=802) THEN IND{I}=3; IF (812 <= IND{I} <=892) THEN IND{I}=3; IF (900 <= IND{I} <=932) THEN IND{I}=4; END;

*************************************************************************** 4110 R6. R14d. 4710 S6. S14d. How many hours do you work on your main job in a normal week? (R NOT SE) How many hours do you work (for yourself/in this business) in a normal week? (R SE) How many hours does (he/she) work on (his/her) main job in a normal week? (S NOT SE) How many hours does (he/she) work (for himself/for herself/in this business) in a normal week? (S SE) Code # HOURS -2. 95 hours or more; "all the time"; "24 hours a day" 0. Inap. (No spouse, not currently working)

4111

R7. R14e.

4711

S7. S14e.

(READ SLOWLY) Counting paid vacations as weeks of work, how many weeks do you work on this job in a normal year? (R NOT SE) (READ SLOWLY) Counting paid vacations as weeks of work, how many weeks per year do you work on this job? (R SE) (READ SLOWLY) Counting paid vacations as weeks of work, how many weeks does (he/she) work on this job in a normal year? (S NOT SE) (READ SLOWLY) Counting paid vacations as weeks of work, how many weeks per year does (he/she) work on this job? (S SE) Code # WEEKS 0. Inap. (No spouse, not currently working)

R14f.

S14f.

4125 4126 4127 4128 4725 4726 4727 4728

R14f. R14f. R14f. R14f. S14f. S14f. S14f. S14f.

How are you paid? Are you paid a regular salary or wages, do you receive a portion of the net earnings, or what? (CHECK ALL THAT APPLY AND ASK BOTH FOLLOW-UP QUESTIONS IF APPLICABLE.) (ONLY ASKED IF R SE) How is (he/she) paid? Is (he/she) paid a regular salary or wages, does (he/she) receive a portion of the net earnings, or what? (CHECK ALL THAT APPLY AND ASK BOTH FOLLOW UP QUESTIONS IF APPLICABLE.) (ONLY ASKED IF SPOUSE SE) A. SALARY B. WAGES C. NET EARNINGS D. OTHER A. SALARY B. WAGES C. NET EARNINGS D. OTHER 1. 5. 2. 0. CHECKED NOT CHECKED Commission (4128/4728 only) Inap. (No spouse, not currently working, not self-employed)

For the public use dataset, Commission (2) is combined with responses in 1. 4112 R8. R14g. 4712 S8. S14g. ) Code actual amount -1. Zero; take no pay out of business 0. Inap. (No spouse, not currently working) 4113 4713 R8. R14g. S8. S14g. PER PER PER PER 1. 2. 3. 4. 5. 6. -7. 8. 0. 4131 4731 R14h. (R (R (S (S NOT SE) SE) NOT SE) SE) About how much do you earn before taxes on your main job? (Is that per hour, week, month, year, or what?) (R NOT SE) How much in salary or wages are you paid before taxes? (R SE -- NOT ANSWERED UNLESS 4125/6 = 1) About how much does (he/she) earn before taxes on (his/ her) main job? (Is that per hour, week, month, year, or what?) (S NOT SE) How much in salary or wages is (he/she) paid before taxes? (S SE -- NOT ANSWERED UNLESS 4725/6 = 1)

Day Week Biweekly Month Quarter Year Other Wages per hour edited to $ per week Inap. (No spouse, not currently working)

(In addition to regular salary,) how much do you personally earn from the business before taxes? (What did you earn in 1988?) (ONLY ASKED IF R SE) S14h. (In addition to regular salary,) how much does (he/she) personally earn from the business before taxes? (What did (he/she) earn in 1988?) (ONLY ASKED IF S SE) Code actual amount -1. Zero; none in 1988 0. Inap. (No spouse, not currently working, not self-employed, no non-wage/salary income from job)

4132 4732

R14h. S14h.

PER (ONLY ASKED IF R SE) PER (ONLY ASKED IF S SE) 1. 2. 3. 4. 5. 6. Day Week Biweekly Month Quarter Year

-7. 0.

Other Inap. (No spouse, not currently working, not self-employed, no non-wage/salary income from job)

4114

R9.

4714

S9.

About how many employees work for this company or organization, including all locations? (Is it fewer than 10, 10 to 19, 20 to 99, 100 to 499, or 500 or more?) (ONLY ASKED FOR R NOT SE; INFERRED FROM SECTION M WHERE POSSIBLE; OTHERWISE, IMPUTED) About how many employees work for this company or organization, including all locations? (Is it fewer than 10, 10 to 19, 20 to 99, 100 to 499, or 500 or more?) (ONLY ASKED FOR S NOT SE; INFERRED FROM SECTION M WHERE POSSIBLE; OTHERWISE, IMPUTED) 1. 2. 3. 4. 5. 0. LESS THAN 10 10 TO 19 20 TO 99 100 TO 499 500 OR MORE Inap. (No spouse, not currently working)

4115

R10. R14b.

4715

S10. S14b.

How many years in total have you worked for this employer? (R NOT SE) How many years have you worked for (yourself/this business)? (R SE) How many years in total has (he/she) worked for this employer? (S NOT SE) How many years has (he/she) worked for (himself/herself/ this business)? (S SE) Code # YEARS 1. ONE YEAR OR LESS 0. Inap. (No spouse, not currently working) For the public use dataset, the number of years with the current employer is top-coded at 50.

4116

R11. R14c.

4716

S11. S14c.

How many years do you expect to continue working for this employer? (ACCEPT RANGE.) (R NOT SE) About how many years do you expect to continue working for (yourself/this business)? ACCEPT RANGE (R SE) How many years does (he/she) expect to continue working for this employer? (ACCEPT RANGE.) (S NOT SE) About how many years does (he/she) expect to continue working for (himself/herself/this business)? ACCEPT RANGE (S SE) Code # YEARS -1. NEVER STOP 0. Inap. (No spouse, not currently working)

4117

R12. R14j.

Are you covered on this job by a union or employeeassociation contract? (R NOT SE) Are you covered on this job by a union or employee-

4717

association contract? (R SE) Is (he/she) covered on this job by a union or employee association contract? (S NOT SE) S14j. Is (he/she) covered on this job by a union or employee association contract? (R SE) 1. YES 5. NO 0. Inap. (No spouse, not currently working) S12.

INFORMATION LINKED FROM 1989 CURRENT POPULATION SURVEY BY OCCUPATION CODE 8112 (R) 8113 (S) 8114 (R) 8115 (S) 8116 (R) 8117 (S) 8169 (R) 8170 (S) R: R: R: R: Average for occupation group of fraction of last 52 weeks worked; multipled by 10,000 Average for occupation group of hours worked per week in 1989 Fraction of occupartion group unemployed in 1989; multiplied by 10,000 Unconditional mean wage for occupation group in 1989

For each occupation group, regressions were run separately for males and females of the log of annualized wages on a constant, a spline on age (AGE, MAX(0, AGE-35), MAX(0,AGE-55)), a dummy variable for part-time employemnt (1 = working 20 or fewer hours per week), a dummy variable for self-employment (1 = selfemployed), a dummy for race (1 = Hispanic or non-white), and dummy variables for years of education (1 = : 12 years of education, more than 13 to 15 years of education, 16 years of education, more than 16 years of education). If there were too few people in a CPS 3-digit occupation group, either the SCF case was matched to a neighboring occupation group, or the match was made at the level of the 2-digit occupation code. Some of the model coefficients may be identically zero where there are too few cases in the appropriate cells in the CPS to identify the coefficients. 8105 (R) 8106 (S) 8099 (R) 8100 (S) 8101 (R) 8102 (S) 8103 (R) 8104 (S) 8318 (R) 8319 (S) 8320 (R) R: R: R: R: R: R: Intercept Coefficient of AGE Coefficient of MAX(0,AGE-35) Coefficient of MAX(0,AGE-55) Coefficient of dummy for part-time employment Coefficient of dummy for self-emlpoyment

8321 (S) 8322 (R) 8323 (S) 8324 (R) 8325 (S) 8326 (R) 8327 (S) 8328 (R) 8329 (S) 8330 (R) 8331 (S) 8107 (R) 8108 (S) 8109 (R) 8111 (S) R: R: R: R: R: R: R: Coefficient of dummy for Hispanic or nonwhite Coefficient of dummy for 12 years of education Coefficient of dummy for 13 to 15 years of education Coefficient of dummy for 16 years of education Coefficient of dummy for more than 16 years of education Standard error log regression Annualized level of expected income from regression (corrected for non-zero expectation of error term for level)

----------------------------------------------------------------------------CURRENT JOB PENSIONS ----------------------------------------------------------------------------4135 R15. Many employers have pension or retirement plans, and some provide tax-deferred plans such as thrift, savings, 401K's, profit sharing, or stock ownership plans. Are you included in any pension or retirement plans, or in any tax-deferred savings plans on this job? (DO NOT INCLUDE SOCIAL SECURITY.) IF R MENTIONS IRA OR KEOGH PLANS, NOTE IN MARGIN AND SAY: "We covered those earlier in the interview. Here, I just want to find out about other plans operated through your employer." (R NOT SE) Aside from IRA or Keogh plans, are you included in any pension plans or tax-deferred savings plans through (your work/the business)? (R SE) Many employers have pension or retirement plans, and some provide tax deferred plans such as thrift, savings, 401K's, profit sharing, or stock ownership plans. Is (he/she) included in any pension or retirement plans, or in any tax deferred savings plans on this job? (DO NOT INCLUDE SOCIAL SECURITY.) IF R MENTIONS IRA OR KEOGH PLANS, NOTE IN MARGIN AND SAY: "We covered those earlier in the interview. Here, I just want to find out about other plans operated through (his/her) employer." (S NOT SE) Aside from IRA or Keogh plans, is (he/she) included in any pension plans or tax deferred savings plans through [(his/her) work/the business? (S SE) 1. 5. YES NO

R14k. 4735 S15.

S14k.

0. 4136 4736 R16. S16.

Inap. (No spouse, not currently working)

Does your employer offer any such plans? (ONLY ASKED IF R NOT SE) Does (his/her) employer offer any such plans? (ONLY ASKED IF SP NOT SE) 1. 5. 0. YES NO Inap. (No spouse, not currently working, included in pension plan on main job, self-employed)

4137 4737

R16a.

Are you eligible to be included in any of these plans? (ONLY ASKED IF R NOT SE) S16a. Is (he/she) eligible to be included in any of these plans? (ONLY ASKED IF SP NOT SE) 1. 5. 0. YES NO Inap. (No spouse, not currently working, included in pension plan on main job, self-employed, plan not offered)

4138 4738

R16b. S16b.

Will you be eligible if you continue to work for this employer? (ONLY ASKED IF R NOT SE) Will (he/she) be eligible if (he/she) continues to work for this employer? (ONLY ASKED IF SP NOT SE) 1. 3. 5. 0. YES DEPENDS NO Inap. (No spouse, not currently working, included in pension plan on main job, self-employed, plan not offered, eligible to be included in plan) of this sort are you included R NOT SE) of this sort is (he/she) ASKED IF SP NOT SE)

4139 4739

R17. S17.

In how many different plans on this job? (ONLY ASKED IF In how many different plans included on this job? (ONLY

Code # PLANS 0. Inap. (No spouse, not currently working, not included in pension plan on main job) 4140 4740 R17a. S17a. Are you currently receiving benefit payments from any retirement plans from this job? Is (he/she) currently receiving benefit payments from any retirement plans from this job? 1. 5. 0. YES NO Inap. (No spouse, not currently working,

not included in pension plan on main job) 4141 4741 R17b. S17b. I'll ask about the benefits later. Are there any retirement or savings plans from this job where you are not yet drawing benefit payments? I'll ask about the benefits later. Are there any retirement or savings plans from this job where (he/she) are not yet drawing benefit payments? 1. 5. 0. YES NO Inap. (No spouse, not currently working, not included in pension plan on main job, not receiving benefits from any plans on main job) How many PLANS ON INFERRED How many PLANS ON INFERRED such plans do you have? (ASKED IF SOME MAIN JOB NOT CURRENLY PAYING BENEFITS, FOR OTHER CASES WITH PLANS) such plans does (he/she) have? (ASKED IF SOME MAIN JOB NOT CURRENLY PAYING BENEFITS, FOR OTHER CASES WITH PLANS)

4201 4801

R17c./R18. S17c./S18.

Code # PLANS--NOT YET RECEIVING BENEFITS 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job) 4202(1) 4302(2) 4402(3) 4802(1) 4902(2) 5002(3) R19. (Is this/About the (next) most important of these plans, is it) a pension or retirement plan, or a tax-deferred savings plan of some sort? (IF R ASKS: 401-K, 403-B, ESOP, SRA, THRIFT/SAVINGS, STOCK/PROFIT SHARING ARE ALL TAX-DEFERRED SAVINGS PLANS.) (Is this/About the (next) most important of these plans, is it) a pension or retirement plan, or a tax-deferred savings plan of some sort? (IF R ASKS: 401 K, 403 B, ESOP, SRA, THRIFT/SAVINGS, STOCK/PROFIT SHARING ARE ALL TAX DEFERRED SAVINGS PLANS.) 1. 2. -7. 0. PENSION OR RETIREMENT TAX-DEFERRED SAVINGS OTHER Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans)

S19.

4203(1) 4303(2) 4403(3)

R20.

4803(1)

S20.

(RB, P. 12) I would like to know what general type of plan this is. (In the most common pension or retirement plan, Type A, the amount of the benefit is usually based on a formula involving age, years of service and salary. In other plans, Type B, money is accumulated in an account for you until your retirement.) Is your (first/next) plan like Type A or Type B? ("2" FILLED IN HERE IF R19=2) (RB, P. 12) I would like to know what general type of plan

4903(2) 5003(3)

this is. (In the most common pension or retirement plan, Type A, the amount of the benefit is usually based on a formula involving age, years of service and salary. In other plans, Type B, money is accumulated in an account for you until your retirement.) Is (his/her) (first/next) plan like Type A or Type B? ("2" FILLED IN HERE IF S19=2) 1. 2. 3. 0. TYPE A (FORMULA) TYPE B (ACCOUNT) BOTH A & B Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans)

FORMULA-TYPE PENSIONS AND MIXTURE PLANS 4204(1) 4304(2) 4404(3) 4804(1) 4904(2) 5004(3) R21. S21. (Not using the booklet.) For that part of your plan where money is accumulated in an account, how much is in the account? For that part of (his/her) plan where money is accumulated in an account, how much is in the account? Code actual amount -1. Zero; nothing yet 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like both types A and B) 4205(1) 4305(2) 4405(3) 4805(1) 4905(2) 5005(3) R22. S22. Do you currently make contributions to this plan? (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY DEDUCTIONS, UNION DUES OR OTHER SOURCES) Does (he/she) currently make contributions to this plan? (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY DEDUCTIONS, UNION DUES OR OTHER SOURCES) 1. 5. 0. YES NO Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B)

4206(1) 4306(2) 4406(3) 4806(1) 4906(2) 5006(3)

R23. S23.

What percent of your pay or amount of money per month or year do you currently contribute?--PERCENT What percent of (his/her) pay or amount of money per month or year does (he/she) currently contribute? PERCENT Code PERCENT to 2 decimal places -7. Percent calculated from lump sum amount 0. Inap. (No spouse, not currently working,

not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, R/S does not make contributions) 4207(1) 4307(2) 4407(3) 4807(1) 4907(2) 5007(3) R23. S23. What percent of your pay or amount of money per month or year do you currently contribute?--AMOUNT What percent of (his/her) pay or amount of money per month or year does (he/she) currently contribute? AMOUNT Code actual amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, R/S does not make contributions) R23. S23. PER PER 1. 2. 3. 4. 5. 6. -7. 0. Day Week Biweekly Month Quarter Year Other Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B R/S does not make contributions)

4208(1) 4308(2) 4408(3) 4808(1) 4908(2) 5008(3)

4209(1) 4309(2) 4409(3) 4809(1) 4909(2) 5009(3)

R24. S24.

At what age do you expect to start receiving benefits from this plan? At what age does (he/she) expect to start receiving benefits from this plan? Code AGE -1. DON'T EXPECT BENEFITS 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B)

4210(1) 4310(2) 4410(3) 4810(1)

R25. S25.

About how much do you expect your benefits to be? (As a proportion of your pay at retirement, or as an amount per month or year when you start receiving them?)--AMOUNT About how much does (he/she) expect (his/her) benefits

4910(2) 5010(3)

to be? [As a proportion of (his/her) pay at retirement, or as an amount per month or year when (he/she) starts receiving them?] Code actual amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, R/S does not expect benefits)

4211(1) 4311(2) 4411(3) 4811(1) 4911(2) 5011(3)

R25. S25.

PER PER 1. 2. 3. 4. 5. 6. -7. 8. 0. Day Week Biweekly Month Quarter Year Other Lump sum; one payment only Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, R/S does not expect benefits)

4212(1) 4312(2) 4412(3) 4812(1) 4912(2) 5012(3)

R25. S25.

About how much do you expect your benefits to be? (As a proportion of your pay at retirement, or as an amount per month or year when you start receiving them?)--PERCENT About how much does (he/she) expect (his/her) benefits to be? [As a proportion of (his/her) pay at retirement, or as an amount per month or year when (he/she) starts receiving them?] PERCENT Code PERCENT to 2 decimal places 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, R/S does not expect benefits)

4213(1) 4313(2) 4413(3) 4813(1) 4913(2) 5013(3)

R26.

S26.

If you were to (leave this job/sell this business) now, would you start receiving a monthly or annual pension benefit now, would you receive one later, would you get a cash settlement now, would you get nothing or what? (IF R SAYS "ROLL OVER" MARK "CASH SETTLEMENT".) If (he/she) were to (leave this job/sell this business) now, would (he/she) start receiving a monthly or annual pension benefit now, would (he/she) receive one later,

would (he/she) get a cash settlement now, would (he/she) get nothing or what? (IF R SAYS "ROLL OVER" MARK "CASH SETTLEMENT".) 1. 2. 3. 4. -7. 0. Monthly or annual BENEFIT NOW Monthly or annual BENEFIT LATER If multiple checks, code smallest # checked.

CASH SETTLEMENT now; "Roll Over" NOTHING OTHER incl. any combinations; "lump sum later" Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B)

4214(1) 4314(2) 4414(3) 4914(1) 4914(2) 5014(3)

R26a. S26a.

About how much per month would you receive? About how much per month would (he/she) receive? Code $ amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, if R/S left job now would get cash settlement/ nothing/other)

ACCOUNT-TYPE PENSIONS 4216(1) 4316(2) 4416(3) 4816(1) 4916(2) 5016(3) R28. S28. (Could you tell me a little more about this plan?) Is it a thrift or savings plan, a 401K, a profit-sharing plan, a stock purchase plan or what? (Could you tell me a little more about this plan?) Is it a thrift or savings plan, a 401K, a profit sharing plan, a stock purchase plan or what? 1. 2. 3. 4. 5. 11. -7. 0. THRIFT OR SAVINGS; "Savings and Investment plan" 401k/403b/SRA PROFIT SHARING STOCK PURCHASE, ESOP (Employee Stock Option Plan) Annuity; "insurance co." IRA; IRA/SEP OTHER Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B)

4217(1) 4317(2) 4417(3) 4817(1)

R29. S29.

For how many years altogether have you been included in this plan? (INCLUDE YEARS WITH OTHER EMPLOYERS, IF SAME PLAN.) For how many years altogether has (he/she) been included

4917(2) 5017(3)

in this plan? (INCLUDE YEARS WITH OTHER EMPLOYERS, IF SAME PLAN.) Code # YEARS 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B)

4218(1) 4318(2) 4418(3) 4818(1) 4918(2) 5018(3)

R30. S30.

(Does your employer/Does the business) make contributions to this plan? [Does (his/her) employer/Does the business] make contributions to this plan? 1. 5. 0. YES NO Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B)

4219(1) 4319(2) 4419(3) 4819(1) 4919(2) 5019(3)

R30a. S30a.

What percent of your pay or amount of money per month or year does (your employer/the business) contribute?-PERCENT What percent of (his/her) pay or amount of money per month or year does [(his/her) employer/the business] contribute? PERCENT Code PERCENT to 2 decimal places -7. Percent calculated from lump sum amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, employer does not contribute to plan)

4220(1) 4320(2) 4420(3) 4820(1) 4920(2) 5020(3)

R30a. S30a.

What percent of your pay or amount of money per month or year does (your employer/the business) contribute?-AMOUNT What percent of (his/her) pay or amount of money per month or year does [(his/her) employer/the business] contribute? AMOUNT Code actual amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, employer does not contribute to plan)

4221(1) 4321(2) 4421(3)

R30a.

PER

4821(1) 4921(2) 5021(3)

S30a.

PER 1. 2. 3. 4. 5. 6. -7. 0. Day Week Biweekly Month Quarter Year Other Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, employer does not contribute to plan)

4222(1) 4322(2) 4422(3) 4822(1) 4922(2) 5022(3)

R31. S31.

Do you currently make contributions to this plan? (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY DEDUCTIONS, UNION DUES, OR OTHER SOURCES.) Does (he/she) currently make contributions to this plan? (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY DEDUCTIONS, UNION DUES, OR OTHER SOURCES.) 1. 5. 0. YES NO Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B)

4223(1) 4323(2) 4423(3) 4823(1) 4923(2) 5023(3)

R31a. S31a.

What percent of your pay or amount of money per month or year do you currently contribute?--PERCENT What percent of (his/her) pay or amount of money per month or year does (he/she) currently contribute? PERCENT Code PERCENT to 2 decimal places -7. Percent calculated from lump sum amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, R/S does not contribute to plan)

4224(1) 4324(2) 4424(3) 4824(1) 4924(2) 5024(3)

R31a. S31a.

What percent of your pay or amount of money per month or year do you currently contribute?--AMOUNT What percent of (his/her) pay or amount of money per month or year does (he/she) currently contribute? AMOUNT Code actual amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B,

R/S does not contribute to plan) 4225(1) 4325(2) 4425(3) 4825(1) 4925(2) 5025(3) R31a. S31a. PER PER 1. 2. 3. 4. 5. 6. -7. 0. Day Week Biweekly Month Quarter Year Other Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, R/S does not contribute to plan)

4226(1) 4326(2) 4426(3) 4826(1) 4926(2) 5026(3)

R32. S32.

Roughly how much money is in your account at present? Roughly how much money is in (his/her) account at present? Code actual amount -1. Zero; none yet 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B)

4227(1) 4327(2) 4427(3) 4827(1) 4927(2) 5027(3)

R33. S33.

Can you borrow against that account? Can (he/she) borrow against that account? 1. 5. 0. YES NO Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B)

4228(1) 4328(2) 4428(3) 4828(1) 4929(2) 5028(3)

R34. S34.

Do you currently have a loan against that account? Does (he/she) currently have a loan against that account? 1. YES

5. 0.

NO Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, cannot borrow aginst account)

4229(1) 4329(2) 4429(3) 4829(1) 4929(2) 5029(3)

R34a. S34a.

What is the amount of the loan balance? What is the amount of the loan balance? Code actual amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, cannot borrow against account, no loan against account)

4230(1) 4330(2) 4430(3) 4830(1) 4930(2) 5030(3)

R34b. S34b.

Did you tell me about this loan earlier? Did you tell me about this loan earlier? 1. 5. 0. YES NO Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, cannot borrow against account, no loan against account)

4231(1) 4331(2) 4431(3) 4831(1) 4931(2) 5031(3)

R35. S35.

If you needed money in an emergency, could you withdraw some of the funds in that account? (CHECK "YES" EVEN IF WITHDRAWAL INVOLVES PENALTY.) If (he/she) needed money in an emergency, could (he/she) withdraw some of the funds in that account? (CHECK "YES" WITHDRAWAL INVOLVES PENALTY.) 1. 5. 0. YES NO Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B)

4232(1) 4332(2) 4432(3) 4832(1)

R36. S36.

If you were to (leave this job/sell the business) now, would you lose all, some, or none of the money in this account? If (he/she) were to (leave this job/sell the business)

4932(2) 5032(3)

now, would (he/she) lose all, some, or none of the money in this account? 1. 3. 5. -7. 0. ALL SOME NONE OTHER Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) you lose? OTHER, FILLED IN IF R36=ALL (he/she) lose? OTHER, FILLED IN IF S36=ALL

4233(1) 4333(2) 4433(3) 4833(1) 4933(2) 5033(3)

R36a. S36a.

What proportion would (ASKED IF R36=SOME OR OR NONE) What proportion would (ASKED IF S36=SOME OR OR NONE) Code -1. -7. 0.

PERCENT to 2 decimal places Nothing Other including $ amount Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) Is it mostly in is it split Is it mostly in is it split

4234(1) 4334(2) 4434(3) 4834(1) 4934(2) 5034(3)

R37. S37.

How is the money in this account invested? stocks, mostly in interest earning assets, between these, or what? How is the money in this account invested? stocks, mostly in interest earning assets, between these, or what? 1. 2. 3. -7. 0.

MOSTLY OR ALL STOCK MOSTLY OR ALL INTEREST EARNING SPLIT OTHER Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B)

4436 5036

R39. S39.

(IF 4 OR MORE) Altogether how much do you have in your account balance(s) for any other pension plans or savings plan(s) from this job? (IF 4 OR MORE) Altogether how much does (he/she) have in (his/her) account balance(s) for any other pension plans or savings plan(s) from this job? Code actual amount -1. NOTHING 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job,

no further plans) 4437 4438 5037 5038 R39a. S39a. Altogether, what other benefit payments do you expect to receive from (this/these) other pension plan(s) from this job? Altogether, what other benefit payments does (he/she) expect to receive from (this/these) other pension plan(s) from this job? -1. -7. 0. NONE OTHER Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, account balance given at R/S39)

----------------------------------------------------------------------------SECOND JOBS ----------------------------------------------------------------------------4501 5101 R40. S40. Are you doing any other work for pay now, such as a second job, the military reserves, or (another) business of your own? Is (he/she) doing any other work for pay now, such as a second job, the military reserves, or (another) business of (his/her) own? 1. 5. 0. R40a. 4502 4503 4504 4505 5102 5103 5104 5105 R40a. R40a. R40a. R40a. S40a. S40a. S40a. S40a. S40a. YES NO Inap. (No spouse, not currently working)

Is this a second job, the military reserves, your own business, or what? (CHECK ALL THAT APPLY.) A. SECOND JOB B. MILITARY (Reserves including Cost Guard, National Guard Service) C. BUSINESS D. OTHER: Is this a second job, the military reserves, (his/her) own business, or what? (CHECK ALL THAT APPLY.) A. SECOND JOB B. MILITARY (Reserves including Cost Guard, National Guard Service) C. BUSINESS D. OTHER: 1. 5. 0. Checked Not checked Inap. (No spouse, not currently working, no second job)

4506 5106

R40b. S40b.

IWER: IF BUSINESS IS ONE OF THE BUSINESSES REPORTED IN SECTION M, MARK BOX. IWER: IF BUSINESS IS ONE OF THE BUSINESSES REPORTED IN

SECTION M, MARK BOX. Precoded by Editor in green 1. This job associated with Bus #1 at M5a 2. " " " " Bus #2 " " 3. " " " " Bus #3 " " 4. This job is associated with business listed at M5a, BUT it is a) a business beyond #3 (at M19a-c) or (b) associated with more than one M5a business or (c) NA which business 5. Job not associated with a business at M5a-M19c or a property at E5; NO businesses listed in M5a-M19c and no properties listed at E15 6. (Not codeable in 1-4) R's "second" job is associated with a property in Section E 0. Inap. (No spouse, not currently working, no second job) 4507 5107 R41. S41. How many hours do you work on these other jobs in a normal week? How many hours does (he/she) work on these other jobs in a normal week? Code -2. -1. 0. # HOURS 95 hours or more; "all the time"; "24 hours a day" None; hours accounted for in main job Inap. (No spouse, not currently working, no second job)

4508 5108

R42. S42.

Counting paid vacations as weeks of work, how many weeks do you work on these other jobs in a normal year? Counting paid vacations as weeks of work, how many weeks does (he/she) work on these other jobs in a normal year? Code # WEEKS 0. Inap. (No spouse, not currently working, no second job)

4509 5109

R43. S43.

About how much do you earn before taxes from these other jobs? (Is that per hour, week, month, year, or what?) About how much does (he/she) earn before taxes from these other jobs? (Is that per hour, week, month, year, or what?) Code actual amount -1. Zero; Nothing yet; Unpaid work in family business/farm 0. Inap. (No spouse, not currently working, no second job)

4510 5110

R43. R43.

PER PER 1. Day

2. 3. 4. 5. 6. -7. 8. 0.

Week Biweekly Month Quarter Year Other Wages per hour edited to $ per week Inap. (No spouse, not currently working, no second job)

4511

R44.

5111

S44.

Thinking about all your current work for pay, do you consider yourself to be working full-time or part-time? (IF R IS LAID OFF OR A SEASONAL WORKER, ASK ABOUT "JOBS WHEN R IS WORKING".) Thinking about all (his/her) current work for pay, does(he/she) consider (himself/herself) to be working full-time or part-time? (IF S IS LAID OFF OR A SEASONAL WORKER, ASK ABOUT "JOBS WHEN S IS WORKING".) 1. 2. 0. FULL-TIME PART-TIME Inap. (No spouse, not currently working)

----------------------------------------------------------------------------WORK HISTORY The questions on employment history were asked directly of new survey respondents. For households in the panel sample, the answers to these questions has been inferred from the 1983 and 1986 data . ----------------------------------------------------------------------------WORK HISTORY FOR THOSE CURRENTLY WORKING FULL-TIME 4512 R45. (READ SLOWLY:) Now I have a few questions about your past jobs. Including any periods of self-employment, the military, and your current job, since you were 18, how many years have you worked full-time for all or most of the year? (Roughly how many years?) (READ SLOWLY:) Now I have a few questions about (his/her)past jobs. Including any periods of selfemployment, themilitary, and (his/her) current job, since (he/she) was18, how many years has (he/she) worked full-time for all or most of the year? (Roughly how many years?) Code # YEARS -1. NONE 0. Inap. (No spouse, R/S44 not full-time) 4513 R45a. Including any self-employment and your current job, for how many different employers have you worked in full-time jobs lasting one year or more? (If R has worked on current job less than a year -coded as 1 -- R45a can be 0 or 1.) Including any selfemployment and (his/her) current job,

5112

S45.

5113

S45a.

for how many different employers has (he/she) worked in full-time jobs lasting one year or more? (If S has worked on current job less than a year -coded as 1 -- S45a can be 0 or 1.) Code # EMPLOYERS -1. None; not yet worked a full time year 0. Inap. (No spouse, R/S44 not full-time) 4514 5114 R45b. S45b. Now, not counting your current job, full-time job that lasted for three Now, not counting (his/her) current had a full-time job that lasted for 1. 5. 0. have you ever had a years or more? job, has (he/she) ever three years or more?

YES NO Inap. (No spouse, R/S44 not full-time, less than 1 year of full-time employment)

4515 5115

R45c.

I want to know about the longest such job you had. Did you work for someone else, were you self-employed, or what? S45c. I want to know about the longest such job (he/she) had. Did (he/she) work for someone else, was (he/she) selfemployed, or what? 1. 2. -7. 0. SOMEONE ELSE SELF-EMPLOYED Other Inap. (No spouse, R/S44 not full-time, no past job of 3 or more years)

4516 5116

R45d. S45d.

What sort of work were you doing when you left that job? (Tell me a little more about what you did.) What sort of work was (he/she) doing when (he/she) left that job? (Tell me a little more about what [he/she] did.) Code 3-digit 1970 Census OCCUPATION Code 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years)

7405 (R) 7415 (S)

R:

1980 occupation code Code 3-digit 1980 Census OCCUPATION Code 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years)

4517 5117

R45e. S45e.

What kind of business or industry did you work in -- that is, what did they make or do at the place where you worked? What kind of business or industry did (he/she) work in -- that is, what did they make or do at the place where (he/she) worked?

Code 3-digit 1970 Census INDUSTRY Code 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years) 7406 (R) 7416 (S) R: 1980 industry code Code 3-digit 1980 Census INDUSTRY Code 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years) R45f. S45f. When did you start working at that job? When did (he/she) start working at that job? Code YEAR 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years)

4518 5118

4519 5119

R45g. When did you stop working at that job? S45g. When did (he/she) stop working at that job? Code YEAR -1. Didn't stop; still working in this job 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years)

4520 5120

R45h. About how much were you earning before taxes when you stopped? (Is that per hour, week, month, year, or what?) S45h. About how much was (he/she) earning before taxes when (he/she) stopped? (Is that per hour, week, month, year, or what?) Code actual amount 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years)

4521 5121

R45h. S45h.

PER PER 1. 2. 3. 4. 5. 6. -7. 8. 0. Day Week Biweekly Month Quarter Year Other Wages per hour edited to $ per week Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years)

4522 5122

R45j.

Since you were 18, have there been years when you only worked part-time for all or most of the year? S45j. Since (he/she) was 18, have there been years when (he/she)

only worked part-time for all or most of the year? 1. 5. 0. 4523 5123 R45k. S45k. YES NO Inap. (No spouse, R/S44 not full-time)

About how many years in total did you work part-time for all or most of the year? About how many years in total did (he/she) work part-time for all or most of the year? Code # YEARS -1. None 0. Inap. (No spouse, R/S44 not full-time, never worked part-time for most of a year)

4524 5124

R45m. S45m.

Thinking now of the future, when do you expect to stop working full-time? Thinking now of the future, when does (he/she) expect to stop working full-time? Code YEARS -1. NEVER STOP 0. Inap. (No spouse, R/S44 not full-time)

4525 5125

R45n. S45n.

Do you expect to work part-time after that? Does (he/she) expect to work part-time after that? 1. 5. 0. YES NO Inap. (No spouse, R/S44 not full-time, never expects to stop working full-time)

4526 5126

R45p. S45p.

When do you expect to stop working altogether? When does (he/she) expect to stop working altogether? Code YEARS -1. NEVER STOP 0. Inap. (No spouse, R/S44 not full-time, never expects to stop working full-time, does not expect to work part-time after ending full-time work)

WORK HISTORY FOR THOSE CURRENTLY WORKING PART-TIME 4527 R46. Now I have a few questions about your past jobs. Including any periods of self-employment, the military, and your current job, since you were 18, about how many years in total have you worked part-time for all or most of the year? (Roughly how many years?) Now I have a few questions about (his/her) past jobs. Including any periods of self-employment, the military, and (his/her) current job, since (he/she) was 18, about how many years in total has (he/she) worked part-time for

5127

S46.

all or most of the year?

(Roughly how many years?)

Code # YEARS -1. LESS THAN 1 YEAR 0. Inap. (No spouse, R/S44 not part-time) 4528 5128 R46a. S46a. Since you were 18, have you ever worked full-time for pay --including any self-employment and the military? Since (he/she) was 18, has (he/she) ever worked fulltime for pay -- including any selfemployment and the military? 1. 5. 0. 4529 5129 R46b. S46b. YES NO Inap. (No spouse, R/S44 not part-time)

How many years have you worked full-time for all or most of the year? (Roughly how many years?) How many years has (he/she) worked full-time for all or most of the year? (Roughly how many years?) Code # YEARS -1. None 0. Inap. (No spouse, R/S44 not part-time, never worked full-time)

4530 5130

R46c.

INTERVIEWER CHECKPOINT 1. 2. 0. R HAS WORKED AT LEAST 5 YEARS FULL-TIME OR DK ALL OTHERS Inap. (No spouse, R/S44 not part-time, never worked full-time)

4531 5131

R46d. S46d.

When did you last work full time for pay? When did (he/she) last work full time for pay? Code YEAR 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time 5 or more years)

4532 5132

R46e. S46e.

About how much did you earn before taxes that year? (Is that per hour, week, month, year, or what?) About how much did (he/she) earn before taxes that year? (Is that per hour, week, month, year, or what?) Code actual amount 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time 5 or more years)

4533 5133

R46e. S46e.

PER PER 1. Day

2. 3. 4. 5. 6. -7. 8. 0.

Week Biweekly Month Quarter Year Other Wages per hour edited to $ per week Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time 5 or more years)

4534 5134

R46f. S46f.

Including any self-employment and your current job, for how many different employers have you worked in full-time jobs lasting one year or more? Including any self-employment and (his/her) current job,for how many different employers has (he/she) worked in full-time jobs lasting one year or more? Code # EMPLOYERS -1. None 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years)

4535 5135

R46g. S46g.

I want to know about the longest full-time job you had. Did you work for someone else, were you self-employed, or what? I want to know about the longest fulltime job (he/she)had. Did (he/she) work for someone else, was (he/she) self-employed, or what? 1. 2. -7. 0. SOMEONE ELSE SELF-EMPLOYED OTHER Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years)

4536 5136

R46h. S46h.

What sort of work were you doing when you left that job? (Tell me a little more about what you did.) What sort of work was (he/she) doing when (he/she) left that job? (Tell me a little more about what [he/she] did.) Code 3-digit 1970 Census OCCUPATION Code 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years)

7407 (R) 7417 (S)

R:

1980 occupation code Code 3-digit 1980 Census OCCUPATION Code 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years)

4537 5137

R46i. S46i.

What kind of business or industry did you work in -- that is, what did they make or do at the place where you worked? What kind of business or industry did (he/she) work in that is, what did they make or do at the place where (he/she) worked? Code 3-digit 1970 Census INDUSTRY Code 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years)

7408 (R) 7418 (S)

R:

1980 industry code Code 3-digit 1980 Census INDUSTRY Code 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years)

4538 5138

R46j. S46j.

When did you start working at that job? When did (he/she) start working at that job? Code YEAR 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years)

4539 5139

R46k. S46k.

When did you stop working at that job? When did (he/she) stop working at that job? Code YEAR -1. Didn't stop; still working (part-time) at that job 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years)

4540 5140

R46m. S46m.

About how much were you earning before taxes when you stopped? (Is that per hour, week, month, year, or what?) About how much was (he/she) earning before taxes when (he/she) stopped? (Is that per hour, week, month, year, or what?) Code actual amount 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years)

4541 5141

R46m. S46m.

PER PER 1. 2. Day Week

3. 4. 5. 6. -7. 8. 0.

Biweekly Month Quarter Year Other Wages per hour edited to $ per week Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years)

4542 5142

R46n. S46n.

When did you last work full-time for pay? When did (he/she) last work fulltime for pay? Code YEAR 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) Thinking now of the future, do you expect to do any full -time work for pay? Thinking now of the future, does (he.she) expect to do any full-time work for pay? 1. 5. 0. YES NO Inap. (No spouse, R/S44 not part-time)

4543 5143

R46p. S46p.

4544 5144

R46q. S46q.

When do you expect to start working full-time? When does (he/she) expect to start working full-time? Code # YEARS 0. Inap. (No spouse, R/S44 not part-time, does not expect to work full-time in future)

4545 5145

R46r. S46r.

And when do you expect to stop working full-time? And when does (he/she) expect to stop working full-time? Code # YEARS -1. NEVER STOP 0. Inap. (No spouse, R/S44 not part-time, does not expect to work full-time in future)

4546 5146

R46s. S46s.

When do you expect to stop working for pay altogether? When does (he/she) expect to stop working for pay altogether? Code # YEARS -1. NEVER STOP 0. Inap. (No spouse, R/S44 not part-time, never expects to stop full-time work)

WORK HISTORY FOR THOSE CURRENTLY RETIRED/DISABLED, HOMEMAKER, STUDENT,

OR OTHER 4601 5201 R47. S47. Since you were 18 have you ever worked full-time for pay? Since (he/she) was 18 has (he/she) ever worked full time for pay? 1. 5. 0. 4602 5202 R47a. S47a. YES NO Inap. (No spouse, currently working)

How many years have you worked full-time for all or most of the year? Include any periods of self-employment, and the military. (Roughly how many years?) How many years has (he/she) worked full time for all or most of the year? Include any periods of self-employment, and the military. (Roughly how many years?) Code # YEARS -1. None 0. Inap. (No spouse, currently working, never worked full-time)

4603 5203

R47b. S47b.

INTERVIEWER CHECKPOINT INTERVIEWER CHECKPOINT 1. 2. 0. R HAS WORKED AT LEAST 5 YEARS FULL-TIME OR DK ALL OTHERS Inap. (No spouse, currently working, never worked full-time)

4604 5204

R47c. S47c.

When did you last work full-time for pay? When did (he/she) last work full time for pay? Code YEAR 0. Inap. (No spouse, currently working, never worked full-time, worked full-time 5 years or more)

4605 5205

R47d. S47d.

About how much did you earn before taxes that year? (Is that per hour, week, month, year, or what?) About how much did (he/she) earn before taxes that year? (Is that per hour, week, month, year, or what?) Code actual amount 0. Inap. (No spouse, currently working, never worked full-time, worked full-time 5 years or more)

4606 5206

R47d. S47d.

PER PER 1. 2. 3. 4. Day Week Biweekly Month

5. 6. -7. 8. 0.

Quarter Year Other Wages per hour edited to $ per week Inap. (No spouse, currently working, never worked full-time, worked full-time 5 years or more)

4607 5207

R47e. S47e.

Including any self-employment and your current job, for how many different employers have you worked in full-time jobs lasting one year or more? Including any self-employment and (his/her) current job, for how many different employers has (he/she) worked in full-time jobs lasting one year or more? Code # EMPLOYERS -1. None 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years)

4608 5208

R47f. S47f.

I want to know about the longest full-time job you had. Did you work for someone else, were you self-employed, or what? I want to know about the longest full-time job (he/she) had. Did (he/she) work for someone else, was (he/she) self-employed, or what? 1. 2. -7. 0. SOMEONE ELSE SELF-EMPLOYED OTHER Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years)

4609 5209

R47g. S47g.

What sort of work were you doing when you left that job? (Tell me a little more about what you did.) What sort of work was (he/she) doing when (he/she) left that job? (Tell me a little more about what [he/she] did.) Code 3-digit 1970 Census OCCUPATION Code 0. Inap.

7409 (R) 7419 (S)

R:

1980 occupation code Code 3-digit 1980 Census OCCUPATION Code 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years)

4610

R47h.

What kind of business or industry did you work in -- that is, what did they make or do at the place where you worked?

5210

S47h.

What kind of business or industry did (he/she) work in -that is, what did they make or do at the place where (he/she) worked? Code 3-digit 1970 Census INDUSTRY Code 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years)

7410 (R) 7420 (S)

R:

1980 industry code Code 3-digit 1980 Census INDUSTRY Code 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years)

4611 5211

R47i. S47i.

When did you start working at that job? When did (he/she) start working at that job? Code YEAR 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years)

4612 5212

R47j. S47j.

When did you stop working at that job? When did (he/she) stop working at that job? Code YEAR 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years)

4613 5213

R47k. S47k.

About how much were you earning before taxes when you stopped? (Is that per hour, week, month, year, or what?) About how much was (he/she) earning before taxes when (he/she) stopped? (Is that per hour, week, month, year, or what?) Code actual amount -1. Nothing; zero; "had a loss" 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years)

4614 5214

R47k. S47k.

PER PER 1. 2. 3. 4. 5. 6. Day Week Biweekly Month Quarter Year

-7. 8. 0.

Other Wages per hour edited to $ per week Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years)

4615 5215

R47m. S47m.

Since you were 18, were there any years when you (only) worked part-time for all or most of the year? Since (he/she) was 18, were there any years when (he/she) (only) worked part-time for all or most of the year? 1. 5. 0. YES NO Inap. (No spouse, currently working)

4616 5216

R47n. S47n.

For about how many years did you work part-time (for all or most of the year)? For about how many years did (he/she) work part-time (for all or most of the year)? Code # YEARS -1. None 0. Inap. (No spouse, currently working, never worked part-time)

4617 5217

R47p. S47p.

Do you expect to work for pay in the future? Does (he/she) expect to work for pay in the future? 1. 5. 0. YES NO Inap. (No spouse, currently working)

4618 5218

R47q. S47q.

When do you expect to start working? When does (he/she) expect to start working? Code # YEARS 0. Inap. (No spouse, currently working, does not expect to work in future)

4619 5219

R47r. S47r.

Will any of that be full-time work? Will any of that be full-time work? 1. 5. 0. YES NO Inap. (No spouse, currently working, does not expect to work in future)

4620 5220

R47s. S47s.

When do you expect to start working full-time? When does (he/she) expect to start working full-time? Code # YEARS 0. Inap. (No spouse, currently working, does not

expect to work in future, does not expect to work full-time in future) 4621 5221 R47t. S47t. And when do you expect to stop working full-time? And when does (he/she) expect to stop working full-time? Code # YEARS -1. NEVER STOP 0. Inap. (No spouse, currently working, does not expect to work in future, does not expect to work full-time in future) 4622 5222 R47u. S47u. When do you expect to stop working for pay altogether? When does (he/she) expect to stop working for pay altogether? Code # YEARS -1. NEVER STOP 0. Inap. (No spouse, currently working, does not expect to work in future, does not expect to work full-time in future, never expects to stop full-time work in future)

INFORMATION LINKED FROM 1989 CURRENT POPULATION SURVEY BY OCCUPATION CODE FOR PRIOR JOB 8171 (R) 8172 (S) R: Unconditional mean wage for occupation group in 1989

For each occupation group, regressions were run separately for males and females of the log of annualized wages on a constant, a spline on age (AGE, MAX(0, AGE-35), MAX(0,AGE-55)), a dummy variable for part-time employemnt (1 = working 20 or fewer hours per week), a dummy variable for self-employment (1 = selfemployed), a dummy for race (1 = Hispanic or non-white), and dummy variables for years of education (1 = : 12 years of education, more than 13 to 15 years of education, 16 years of education, more than 16 years of education). If there were too few people in a CPS 3-digit occupation group, either the SCF case was matched to a neighboring occupation group, or the match was made at the level of the 2-digit occupation code. Some of the model coefficients may be identically zero where there are too few cases in the appropriate cells in the CPS to identify the coefficients. 8125 (R) 8126 (S) 8119 (R) 8120 (S) 8121 (R) 8122 (S) R: R: R: Intercept Coefficient of AGE Coefficient of MAX(0,AGE-35)

8123 (R) 8124 (S) 8332 (R) 8333 (S) 8334 (R) 8335 (S) 8336 (R) 8337 (S) 8338 (R) 8339 (S) 8340 (R) 8341 (S) 8342 (R) 8343 (S) 8344 (R) 8345 (S) 8127 (R) 8128 (S) 8129 (R) 8130 (S)

R: R: R: R: R: R: R: R: R: R:

Coefficient of MAX(0,AGE-55) Coefficient of dummy for part-time employment Coefficient of dummy for self-emlpoyment Coefficient of dummy for Hispanic or nonwhite Coefficient of dummy for 12 years of education Coefficient of dummy for 13 to 15 years of education Coefficient of dummy for 16 years of education Coefficient of dummy for more than 16 years of education Standard error log regression Annualized level of expected income from regression (corrected for non-zero expectation of error term for level)

----------------------------------------------------------------------------SOCIAL SECURITY, CURRENTLY RECEIVED PENSIONS, PENSIONS TO BE RECEIVED IN THE FUTURE ----------------------------------------------------------------------------5301 R50. Are you (or your [husband/wife]) currently receiving Social Security benefit payments, or any other type of pension, retirement, or disability benefit payment? 1. 5. 5302 R50a. YES NO

(Do these include Social Security benefit payments?) 1. 5. 0. YES NO Inap. (Not receiving pension or Social Security income)

R50b.

5303

R50c.

(Are you both receiving Social Security payments or is only one of you? [Which one?]) IWER: CHECK PERSON(S) (RESP, SPOUSE) IN R50c. THEN ASK FOLLOWUP QUESTIONS R50d-R50f FOR EACH. RECIPIENT -- RESPONDENT

5308

R50c.

RECIPIENT -- SPOUSE 1. 5. 0. Checked Not checked (including no spouse) Inap. (not receiving pension or Social Security benefits: X5301^=1; not receiving Social Security: X5302^=1)

5304 5309

R50d.

Are (your/your [husband's/wife's] payments for retirement or are they disability benefits? 1. 2. 3. -7. 0. RETIREMENT DISABILITY Widow's/survivor's benefits Other Inap. (Not receiving pension or Social Security income, no spouse, PERSON not receiving Social Security benefits) For the public use dataset, Widow's/survivor's benefits (3) are combined with Other (-7) in -7.

5305 5310

R50e.

How long (have you/has he/has she) received these benefits? Code # YEARS 0. Inap. (Not receiving pension or Social Security income, no spouse, PERSON not receiving Social Security benefits)

5306 5311

R50f.

How much (do you/does he/does she) receive each month or year? Code actual amount 0. Inap. (Not receiving pension or Social Security income, no spouse, PERSON not receiving Social Security benefits)

5307 5312

R50f.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (Not receiving pension or Social Security income, no spouse, PERSON not receiving Social Security benefits)

5313

R51.

Are you (or your [husband/wife]) currently receiving any other retirement, pension, or disability benefit payments?

1. 5. 0. 5314 R51a.

YES NO Inap.

Not counting Social Security, how many retirement, pension or disability benefit payments are you (and your [husband/wife]) currently receiving? (ASKED IF R/S RECEIVING SOCIAL SECURITY BENEFITS, INFERRED FOR OTHERS) Code # PENSION/DISABILITY PAYMENTS 0. Inap. (Not receiving pension or Social Security income)

R51b.

5315(#1) 5323(#2) 5331(#3) 5415(#4) 5423(#5) 5431(#6) 5316(#1) 5324(#2) 5332(#3) 5416(#4) 5424(#5) 5432(#6) R51c.

(RB, P. 13) Who is receiving these benefit payments and what kind are they? IWER: MARK ONE RECIPIENT AND TYPE OF BENEFIT FOR ALL BENEFITS REPORTED. THEN ASK FOLLOWUP QUESTIONS R51dR51h FOR EACH BENEFIT. RECIPIENT 1. 2. 0. RESPONDENT SPOUSE Inap. (Not receiving pension or Social Security income, no spouse)

TYPE OF BENEFIT 1. 2. 3. 4. 5. 11. -7. 0. CURR JOB PENS PAST JOB PENS DISABILITY MILITARY (retirement or disability) SPOUSE PENS Union pension OTHER Inap. (Not receiving pension or Social Security income, no further benefits) For the public use dataset, Union pension (2) and Past job pension (2) are combined in 2.

5317(#1) 5325(#2) 5333(#3) 5417(#4) 5425(#5) 5433(#6) 5318(#1) 5326(#2) 5334(#3) 5418(#4) 5426(#5) 5434(#6)

R51d.

How long have (you/he/she) received this [TYPE] benefit? Code # YEARS 0. Inap. (Not receiving pension or Social Security income, no further benefits)

R51e.

How much is received each month or year? Code actual amount 0. Inap. (Not receiving pension or Social Security income, no further benefits)

5319(#1) 5327(#2) 5335(#3) 5419(#4) 5427(#5) 5435(#6)

R51e.

PER 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap. (Not receiving pension or Social Security income, no further benefits)

5320(#1) 5328(#2) 5336(#3) 5420(#4) 5428(#5) 5436(#6)

R51f.

Has this benefit been increased when the cost of living has increased? 1. 5. 0. YES NO Inap. (Not receiving pension or Social Security income, no further benefits)

5322(#1) 5330(#2) 5338(#3) 5422(#4) 5430(#5) 5438(#6)

R51h.

If (RECIPIENT) were to die, what percent of this benefit would (you/your husband/your wife) continue to receive or would the benefits stop? Code -1. -7. 0. PERCENT to 2 decimal places STOP OTHER Inap. (Not receiving pension or Social Security income, no further benefits, no spouse)

5501

R52.

Have you (or your [husband/wife]) ever received a cash settlement from a pension or retirement plan of a previous job? 1. 5. YES NO

5502

R52a.

How many different cash settlements have you (or your [husband/wife]) received? Code # CASH SETTLEMENTS 0. Inap. (No cash settlements)

R52b. 5503(#1) 5506(#2) 5509(#3) 5512(#4) 5515(#5) R52b.

FOR EACH SETTLEMENT: Who received it, about how much was received, and when was it received? WHO 1. 2. 0. RESPONDENT SPOUSE Inap. (No cash settlements, no further settlements)

5504(#1) 5507(#2) 5510(#3) 5513(#4) 5516(#5) 5505(#1) 5508(#2) 5511(#3) 5514(#4) 5517(#5) 5601

R52c.

AMOUNT Code actual amount 0. Inap. (No cash settlements, no further settlements)

R52d.

YEAR RECEIVED Code YEAR 0. Inap. (No cash settlements, no further settlements)

R53.

Now I want to ask about future pension benefits that you (and your[husband/wife]) have earned rights to. Aside from Social Security and any pension benefits you have already told me about, do you (and your [husband/wife]) expect to receive any (other) pension benefits in the future from any past jobs? 1. 5. YES NO

5602

R53a.

How many such benefits do you (and your [husband/wife]) expect to receive in the future? Code # FUTURE BENEFITS 0. Inap. (No other future pension benefits)

5603(A) 5611(B) 5619(C) 5627(D) 5635(E) 5643(F)

R53b.

About (this/the largest/the next) benefit, is this from a pension plan where a certain amount of money is accumulated in an account for you, a formula plan that will give you a specific amount of income each month or year when you retire, or what? 1. 2. 3. 0. INCOME FORMULA ACCOUNT BOTH Inap. (No other future pension benefits, no further future pension benefits)

5604(A) 5612(B) 5620(C) 5628(D) 5636(E) 5644(F) 5606(A) 5614(B) 5622(C) 5630(D)

R53c.

How much is in the account now? Code actual amount 0. Inap. (No other future pension benefits, no further future pension benefits, not account-type pension)

R53e.

Is this benefit based on your earnings (or your [husband's/wife's] earnings)? 1. Respondent

5638(E) 5646(F)

2. 3. 4. -7. 0.

Spouse R's ex-spouse S's ex-spouse OTHER Inap. (No other future pension benefits, no further future pension benefits)

5607(A) 5615(B) 5623(C) 5631(D) 5639(E) 5647(F)

R53f.

When do you expect these benefits to start? Code AGE 0. Inap. (No other future pension benefits, no further future pension benefits)

5608(A) 5616(B) 5624(C) 5632(D) 5640(E) 5648(F) 5609(A) 5617(B) 5625(C) 5633(D) 5641(E) 5649(F)

R53g.

About how much per month do you expect them to be? Code $ amount -1. NONE 0. Inap. (No other future pension benefits, no further future pension benefits)

R53g.

PER 2. 3. 4. 5. 6. -7. 8. 0. Week Biweekly Month Quarter Year Other Lump sum; one payment only Inap. (No other future pension benefits, no further future pension benefits)

----------------------------------------------------------------------------INCOME, AGI, MISC. ----------------------------------------------------------------------------T1. We have talked about various sources of income. Now we would like to get the overall picture of all the different sources of income that you (and members of your family living here) had in 1988. Did (you/anyone) have income from wages and salaries, including bonuses, overtime and commissions? (RECORD IN COLUMN T1 AND ASK T2 FOR EACH SOURCE OF INCOME AS IT IS MENTIONED.) WAGES AND SALARIES? Did (you/anyone) have income or loss from a professional practice, business or farm? (Other than wages or salaries) ...non-taxable investments such as municipal bonds? ...other interest income? ...dividends? ...net gains or losses from the sale of stocks, bonds, or

5701 5703 5705 5707 5709 5711

T1a. T1b. T1c. T1d. T1e. T1f.

5713 5715 5717 5719 5721

T1g. T1h. T1j. T1k. T1m.

real estate? ...net rent, trust income, or royalties from any other investment or business? ...unemployment or worker's compensation? ...child support or alimony? Did (you/anyone) have income from ADC AFDC, food stamps, or other forms of welfare or assistance, such as SSI? ...income from Social Security or other pensions, annuities, or other disability or retirement programs? 1. 5. YES NO

5702 5704 5706 5708 5710 5712 5714 5716 5718 5720 5722 5723

T2a.

In total, how much income from (SOURCE) did you (and your family) receive in 1988, before deductions for taxes and anything else? [WRITE LOSSES ( ).] Code actual amount 0. Inap. (No SOURCE income)

T1n.

Did you (or anyone in your family living here) have income from any other sources? (What other sources?) 1. 5. YES NO

5724(1st) 5726(2nd)

T2n.

In total, how much income from (SOURCE) did you (and your family) receive in 1988, before deductions for taxes and anything else? [WRITE LOSSES ( ).] Code actual amount 0. Inap. (No other income, no additional sources of other income)

5725(1st) 5727(2nd)

T1n.

PROBE: What other sources? 1. 2. 3. 4. 11. 12. 13. 21. 22. -7. 0. Settlements: from lawsuits, divorce, insurance Gambling winnings; prize money Education scholarships or grants (not incl. loans); G.I. Bill; "fellowships" Honorarium "IRA", NFS; IRA withdrawal Inheritance/gifts Other help/support from relatives Care of foster child in the home Housing subsidy/rent paid by some (gov't) agency Other Inap. (No other income, no additional sources of other income)

For the public use dataset, Education (3), Honoraria (4), Care of foster children (21), and Other (-7) are combined in -7. 5728 SUMMARY: # of Refused $ amounts T2a-T2n Count and code 5729 T3. How much was the total income you (and your family living here) received in 1988 from all sources, before taxes and other deductions were made? Code actual amount -1. Zero; no income 8182 R: Sum of values given in T2a through T2n Code amount 5731 T5. During 1988, did you (or anyone in your family living here) pay any alimony or child support? 1. 5. 5732 T5a. YES NO

Altogether, how much alimony and/or child support did you (and your family) pay in 1988? Code actual amount 0. Inap. (Paid no alimony or child support)

5733

T6.

During 1988, did you (or anyone in your family living here) provide any (other) financial support for relatives or friends who do not live here? 1. 5. YES NO

5734

T6a.

How much support did you (and your family) pay? Code actual amount 0. Inap. (Provided no financial support)

T6b. 5735 5736 5737 5738 5739 T6b. T6b. T6b. T6b. T6b.

To whom was this support given? (Anyone else?) (CHECK ALL THAT APPLY.) A. CHILDREN UNDER 18 B. CHILDREN 18 AND OVER C. PARENTS (IN-LAW) D. GRANDCHILDREN E. GRANDPARENTS

5740 5741 5742 5743

T6b. T6b. T6b. T6b.

F. G. H. J. 1. 2. 5. 0.

SIBLINGS (IN-LAW) NIECE/NEPHEW FRIEND OTHER Checked Aunt/uncle (5743 only) Not checked Inap. (Provided no financial support)

5744

T7.

Did you (or your [husband/wife]) file or do you expect to file a 1988 Federal Income tax return? 1. 5. YES NO

5746

T7b.

Did you and your (husband/wife) file a joint return, did you file separately, or did only one of you file? (Which one?) 1. 2. 3. 4. 0. FILE JOINTLY FILE SEPARATE ONLY R FILE ONLY S FILE Inap. (Did not file 1988 return, not married)

T7c.

5747 5748 5749 5750

T7c. T7c. T7c. T7c.

Did you (or your [husband/wife]) file a Schedule C, E or F with your return? (CHECK ALL THAT APPLY.) (IF R ASKS: SCHEDULE "C" IS FOR BUSINESS INCOME, "E" IS FOR TRUST AND PARTNERSHIP INCOME, AND "F" IS FOR FARM INCOME.) A. SCHED C B. SCHED E C. SCHED F D. NO 1. 5. 0. Checked Not checked Inap. (Did not file 1988 return)

5751

T7d.

Approximately what was your (and your [husband's/wife's]) total adjusted gross income (AGI) on your 1988 return? (What do you think it will be?) Code actual amount -1. Zero; nothing 0. Inap. (Did not file 1988 return)

----------------------------------------------------------------------------INHERITANCES, MISC. -----------------------------------------------------------------------------

5801

X1.

Have you (or your [husband/wife]) ever received an inheritance, or been given substantial assets in a trust or in some other form? 1. 5. YES (Include if mentioned, inheritances to R's resident "dependent" children--if not from R or spouse. NO

5802

X2.

How many of these have you (or your [husband/wife]) ever received? Code # OF INHERITANCES, TRUSTS, OTHER TRANSFERS 0. Inap. (Never received inheritances) For the public use dataset, the number of inheritances is top-coded at 10.

5803(#1) 5808(#2) 5813(#3)

X3.

(Thinking about the [largest/next largest] of these) was that an inheritance, a trust, or what? (CHECK ALL THAT APPLY.) 1. 2. 3. 4. 6. -7. 0. INHERITANCE TRUST Gift Settlements; insurance; lawsuits Inheritance and trust (1 & 2 checked) OTHER Inap. (Never received inheritances, no further inheritances) For the public use dataset, Settlements (4) and Other (-7) are combined in -7; Inheritance and trust (6) are combined with Inheritance (1) in 1.

5804(#1) 5809(#2) 5814(#3)

X4.

What was its approximate value at the time it was received? Code actual amount -1. Nothing; zero 0. Inap. (Never received inheritances, no further inheritances)

5805(#1) 5810(#2) 5815(#3)

X5.

In what year was it received? Code YEAR 0. Inap. (Never received inheritances, no further inheritances) For the public use dataset, the year is rounded to the nearest 5.

5806(#1) 5811(#2) 5816(#3)

X6.

From whom was it received? 1. GRANDPARENT

2. 3. 4. 5. 6. 7. 11. 12. -7. 0.

PARENT (incl. in-law or step-parent) CHILD AUNT/UNCLE SIBLING FRIEND Cousin Deceased spouse Deceased ex-spouse OTHER Inap. (Never received inheritances, no further inheritances) For the public use dataset, Child (3) and Other (-7) are combined in -7; Deceased spouses (11) and Deceased ex-spouses (12) are combined in 11. 5818 (#4) X8. How much altogether were any others you have received? Code actual amount 0. Inap. (Never received inheritances, no further inheritances) 8183 8184 8185 8186 (#1) (#2) (#3) (#4) R: Link code for inheritance/gift reported as source of an asset earlier in the questionnaire (For #4 only, multiple links may be established: these links are coded by summing multiple link codes multiplied by 100 -- e.g. 1506 indicates that there were unlinked assets reported at X8, the principal residence was inherited or received as a gift, and all of these assets are included in variable 5818)) 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 0. Mobile home site only (Question D11d) Mobile home only (Question D12c) Mobile home site only (Question D15b) Mobile home only (Question D15d) Mobile home and site (Question D15f) Other principal residence (Question D20) Other real estate (Question E20, property #1) Other real estate (Question E20, property #2) Other real estate (Question E20, property #3) Other vacation real estate (Question E36b) Other investment real estate (Question E37a) Active management business (Question M6, business #1) Active management business (Question M6, business #2) Active management business (Question M6, business #3) No link identified Inap. (Never received inheritances, no further inheritances)

5819

X9.

Do you (or your [husband/wife]) expect to receive a substantial inheritance or transfer of assets in the future?

1. 5. 5820 X9a.

YES NO

Is that likely to involve a large amount of money, a moderate amount, or what? 1. 2. 3. -7. 0. LARGE MODERATE Small (volunteered) OTHER Inap. (Does not expect future inheritance) RECORD AMOUNT IF R VOLUNTEERS IT

5821

X9b.

IWER:

Code actual amount 0. Inap. (Does not expect future inheritance) 5822 X10. During 1988, did you (or anyone in your family living here) make charitable contributions of money or property totaling $500 or more? 1. 5. 5823 X10a. YES NO

Roughly, how much did (you/your family) contribute? Code actual amount 0. Inap. (Did not make charitable contributions)

5824

X11.

Some people think it is important to leave an estate or inheritance to their surviving heirs, while others don't. Which is closer to your (and your [husband's/wife's]) feelings? Would you say it is very important, important, somewhat important, or not important? 1. 2. 3. 4. 5. VERY IMPORTANT IMPORTANT R & S DIFFER SOMEWHAT IMPORTANT NOT IMPORTANT

5825

X12.

Do you (and your [husband/wife]) expect to leave a sizeable estate to others? 1. 3. 5. YES POSSIBLY NO

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

MISC. DEMOGRAPHICS ----------------------------------------------------------------------------5901 6101 Y1. Y17. I'd now like to ask you some questions about your background. What is the highest grade of school or year of college you completed? I'd now like to ask you some questions about your (husband's/wife's/partner's) background. What is the highest grade of school or year of college (he/she) completed? Code number of years 0. Inap. (No spouse) -1. No education 5902 6102 Y1a. Y17a. Did you get a high school diploma or pass a high school equivalency test? Did (he/she) get a high school diploma or pass a high school equivalency test? 1. 5. 0. 5903 6103 Y1b. Y17b. YES NO Inap. (No spouse, more than 12 years of education)

Since completing your formal education, have you had onthe-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. 5. 0. YES NO Inap. (No spouse, more than 12 years of education)

5904 6104

Y1c. Y17c.

Did you get a college degree? Did (he/she) get a college degree? 1. 5. 0. YES NO Inap. (No spouse, fewer than 12 years of education)

5905 6105

Y1d. Y17d.

What is the highest degree you have earned? What is the highest degree (he/she) earned? 1. 2. 3. 4. 5. 6. -7. 0. ASSOCIATES BACHELORS MA/MBA PHD MD; DDS LAW OTHER Inap. (No spouse, fewer than 12 years of education, no college degree)

For the public use dataset, PHD (4), MD; DDS (5), and LAW (6) are combined in 4. 5906 6106 Y2. Y18. Have you ever been in the military service? Has (he/she) ever been in the military service? 1. 5. 0. 5907 6107 Y3. Y19. YES NO Inap. (No spouse)

What is the month and year of your birth?--MONTH What is the month and year of (his/her) birth?--MONTH Code MONTH 0. Inap. (No spouse)

5908 6108

Y3. Y19.

What is the month and year of your birth?--YEAR What is the month and year of (his/her) birth?--YEAR Code YEAR 1890. 1890 or earlier 0. Inap. (No spouse)

5909

Y4.

Are you American Indian, Asian, Hispanic, black, white, or another race? 1. 2. 3. 4. 5. -7. For and AMERICAN INDIAN/ESKIMO/ALEUT ASIAN HISPANIC BLACK WHITE OTHER the public use file, American Indian/Eskimo/Aleut Asian are combined with the OTHER (-7) category.

5910

Y5.

Now I'd like to ask some questions about your family living elsewhere. Altogether, including children from previous marriages and adopted children, how many sons and daughters do you (or your [husband/wife]) have who do not live with you? Code # CHILDREN -1. NONE For the public use dataset, the number of such children is top-coded at 10.

5911

Y5a.

How many of them are 25 or older? Code -2. -1. 0. # 25 OR OLDER ALL OF THEM NONE Inap. (No children outside home)

For the public use dataset, the number of such children is top-coded at 10. 5912 Y5b. And how many of them are less than 18 years old? (INFERRED WHERE Y5a = ALL OF THEM) Code # LESS THAN 18 -2. ALL OF THEM -1. NONE 0. Inap. (No children outside home) For the public use dataset, the number of such children is top-coded at 10. 5913 6109 Y6. Y20. How many living brothers and sisters do you have? How many living brothers and sisters does (he/she) have? Code # BROTHERS/SISTERS -1. NONE 0. Inap. (No spouse) For the public use dataset, the number of such children is top-coded at 10. 5914 6110 Y6a. Y20a. How many are older than you? How many are older than (he/she) is? Code -2. -1. 0. 6026 6120 Y14. Y23. # OLDER ALL NONE Inap. (No spouse, no living siblings)

Now I'd like to ask about your parents. Is your mother still living? Is your (husband's/wife's/partner's) mother still living? 1. 5. 0. YES NO Inap. (No spouse)

6027 6121

Y14a. Y23a.

What is her age? What is her age? Code AGE 0. Inap. (No spouse, mother not living) For the public use dataset, the age is rounded to the nearest 5.

6028 6122

Y14b. Y23b.

Is your father still living? Is your (husband's/wife's/partner's) father still living? 1. 5. 0. YES NO Inap. (No spouse)

6029 6123

Y14c. Y23c.

What is his age? What is his age? Code AGE 0. Inap. (No spouse, father not living) For the public use dataset, the age is rounded to the nearest 5.

----------------------------------------------------------------------------MARITAL HISTORY RECODE VARIABLES ----------------------------------------------------------------------------When sufficient underlying data were available, the following marital history variables were constructed directly. For 1986 panel cases these variables were computed using marital history information obtained in 1986 SCF updated with new quesions; for new cross-section cases and those with no 1986 interview, these variables were computed using new questions. Where sufficient data were not collected to infer this information directly, the missing information was imputed. See the panel and cross-section questionnaires for the underlying questions. NOTE: Not all marital history variables are available on the public use dataset: see list of variables at the end of this file for the set of available variables. 8001 (R) 8013 (S) R: Total number of marriages (incl. current partner) Code number 0. None 8002 (R) 8014 (S) R: Total number of times divorced Code number 0. None; Inap. 8003 (R) 8015 (S) R: Total number of times widowed Code number 0. None; Inap. 8004 R: Month current marriage or partnership began Code month 0. Inap. 8005 R: Year current marriage or partnership began Code year 0. Inap.

8006 (R)

R:

Month most recent past marriage ended (or separated) Code month 0. Inap.

8007 (R) 8016 (S)

R:

Year most recent past marriage ended (or separated) Code year 0. Inap.

8008 (R) 8017 (S)

R:

Year most recent past marriage began Code year 0. Inap.

8009 (R)

R:

Year next most recent marriage ended Code year 0. Inap.

8010 (R)

R:

Year next most recent marriage began Code year 0. Inap.

8011 (R) 8018 (S)

R:

Age at first marriage Code age 0. Inap. For the public use dataset, the age is bottom-coded at 15.

8012 (R) 8019 (S)

R:

Total number of years married, H Code number of years 0. Inap.

5925

Y8b.

Do you receive support from your (husband/wife), do you pay support, or is there no support involved? (ASKED OF SEPARATED RESPONDENTS) 1. 2. 3. 0. RECEIVE SUPPORT NO SUPPORT INVOLVED PAY SUPPORT Inap.

5926

Y8c.

How much do you receive? (ASKED OF SEPARATED RESPONDENTS RECEIVING SUPPORT)

Code actual amount 0. Inap. 5927 Y8c. PER (ASKED OF SEPARATED RESPONDENTS RECEIVING SUPPORT) 2. 3. 4. 5. 6. -7. 0. 5928 Y8d. Week Biweekly Month Quarter Year Other Inap.

How much do you pay? (ASKED OF SEPARATED RESPONDENTS PAYING SUPPORT) Code actual amount 0. Inap.

5929

Y8d.

PER (ASKED OF SEPARATED RESPONDENTS PAYING SUPPORT) 2. 3. 4. 5. 6. -7. 0. Week Biweekly Month Quarter Year Other Inap.

5930

Y8e.

Are the assets and debts that you've told me about in this interview owned mainly by you, are they owned jointly with your (husband/wife), or what? (ASKED OF SEPARATED RESPONDENTS) 1. 2. -7. 0. OWNED BY R OWNED JOINTLY OTHER Inap.

6111

Y21.

Has your (husband/wife/partner) been married before? 1. 5. 0. YES NO Inap.

6112

Y22.

Altogether, how many times was your (husband/wife/partner) married before? Code NUMBER 0. Inap.

6113

Y22a.

When did (his/her) first marriage begin? Code YEAR 0. Inap.

6114

Y22b.

And when did that marriage end? Code YEAR 0. Inap.

6115

Y22c.

Did that marriage end in divorce, or was (he/she) widowed? 3. 4. 5. 0. Separated and not yet divorced DIVORCE WIDOWED Inap.

6116

Y22d.

Did any of these marriages end by your (husband/wife/ partner) being widowed? 1. 5. 0. YES NO Inap.

6117

Y22e.

How many? Code # TIMES WIDOWED 0. Inap.

6118

Y22f.

At what age was your (husband/wife/partner) first married? Code YEARS OLD 0. Inap.

6119

Y22g.

Finally, for about how many years in total has your (husband/wife/partner) been married? (ACCEPT RANGE) Code YEARS 0. Inap.

----------------------------------------------------------------------------HEALTH ----------------------------------------------------------------------------6030 6124 Y15. Y24. Now I'd like to ask you about your health; would you say your health is excellent, good, fair, or poor? Now I'd like to ask you some questions about your family's health; would you say your (husband's/wife's/partner's)

health in general is excellent, good, fair, or poor? 1. 2. 3. 4. 0. READ: EXCELLENT GOOD FAIR POOR Inap. (No spouse)

For the rest of the questions in the interview, please include the adults in your household who have independent finances. Do you or anyone in your household (including those with independent finances) have any persistent or chronic health conditions or problems? (R DOES NOT LIVE ALONE) Do you have any persistent or chronic health conditions or problems? (R LIVES ALONE) 1. 5. YES NO

6202

Y25a. Y26.

Y25b.

Which household members have these health conditions or problems and what are they? (Any others?) (LIST FAMILY MEMBERS BY RELATION TO R) (ASKED FOR R DOES NOT LIVE ALONE; FILLED IN FOR R LIVES ALONE) HOUSEHOLD MEMBER 1. 2. 3. 4. 13. 5. 6. 7. 8. 9. 10. 11. 12. 29. 31. 32. 33. 34. 35. 36. 39. 0. RESPONDENT Spouse of Respondent "Partner" of Respondent Child (incl. in-laws) Partner's child Grandchild Parent (incl. in-laws) Grandparent (incl. in-laws) Aunt/uncle Cousin Niece/nephew Sister/brother (incl. in-laws) Great grandchild Other relative Roommate "Friend" (exc. 3) Relative of Partner (except Child, code 13) Boarder or roomer/lodger Paid help (maid, etc.) Foster child Other unrelated person Inap. (No chronic health conditions, no further chronic health conditions)

6203(#1) 6207(#2) 6211(#3) 6215(#4) 6219(#5)

Y25c.

6204(#1) 6208(#2)

Y25d.

AGE (ASKED FOR R DOES NOT LIVE ALONE; FILLED IN FOR R LIVES ALONE)

6212(#3) 6216(#4) 6220(#5)

Code AGE 0. Inap. (No chronic health conditions, no further chronic health conditions) Ages of household members other than the respondent and spouse are rounded to the nearest 5 years

6205(#1a) 6206(#1b) 6209(#2a) 6210(#2b) 6213(#3a) 6214(#3b) 6217(#4a) 6218(#4b) 6221(#5a) 6222(#5b)

Y25e. Y26a.

HEALTH CONDITIONS (R DOES NOT LIVE ALONE) What are these health conditions or problems? others?) (R LIVES ALONE)

(Any

If a person has more health conditions than there is room to code: 1) if there is room, code that person more than once (i.e., use 2 or more adjacent person mentions for the same person--same REL & AGE); 2) otherwise, attempt to select the 2 most serious health problems for the person who has excess mentions; 3) if you're still stuck--see Supervisor. HEALTH CONDITIONS MASTER CODE (revised version for 1989 SCF) Cancers and tumors; skin conditions 101. Cancer--any site or type; leukemia; Hodgkin's disease; melanomas; "tumors" if specified as malignant 102. Tumors, cysts or growths (exc. 101); "polyps" 103. Skin conditions--any mention exc. cancer (101) or tumor (102); dermatitis; eczema; "rashes" Musculoskeletal system and connective tissue 111. Arthritis; rheumatism; bursitis 112. Back or spine problems: chronic stiffness, deformity or pain; disc problems; scoliosis; spinal bifida; "bad back" 113. Stiffness, deformity or chronic pain in foot, leg, arm or hand (exc. 104); "bad knee" 114. Missing legs, feet, arms, hands, or fingers (from amputation or congenital deformity) 115. Paralysis--any mention (incl. from polio) 116. Hernias; hiatal hernia 117. Muscular dystrophy 119. Other musculoskeletal or connective tissue problems; lupus; osteoporosis; pinched nerve Heart, circulatory and blood conditions 121. Heart problems: heart attack (coronary) or failure; arteriosclerosis; aneurysms; heart deformities; angina; "bad heart"; congestive heart disease 122. High blood pressure (hypertension) 123. Stroke; cerebral hemorrhage or accident 124. Blood disorders: anemia; hemophilia; polycythemia; "bad blood" 129. Other circulatory problems; phlebitis, clots, embolisms; varicose veins; hemorrhoids; low blood pressure

Respiratory system conditions 131. Allergies; hayfever; sinusitis; tonsillitis 132. Asthma 133. Bronchitis; pneumonia; "acute upper respiratory problems" 134. Emphysema 139. Other respiratory problems; tuberculosis Endocrine, metabolic and nutritional conditions 141. Diabetes 142. Thyroid trouble; goiter 143. Cystic fibrosis 144. Nutritional problems; weight problems; eating disorders; high cholesterol 149. Other endocrine/metabolic problems; pancreatitis; pituitary problems Digestive system (stomach, liver, gallbladder, kidney, bladder) 151. Stomach and intestinal conditions: ulcers; colitis; gastritis; diverticulosis; appendicitis; Chron's disease; "stomach pains" 152. Liver conditions: cirrhosis; hepatitis 153. Kidney conditions: kidney stones; kidney failure (incl. dialysis) 154. Gallbladder conditions 155. Bladder conditions 159. Other digestive system problems Neurological and sensory conditions 161. Blindness or vision problems: glaucoma; cataracts; detached retina 162. Deafness, hearing loss or other ear conditions 163. Multiple sclerosis; cerebral palsy; epilepsy; Parkinson's; ALS 164. Speech conditions--any mention: congenital speech defects; stuttering 165. Mental retardation; learning disabilities; Down syndrome 169. Other neurological/sensory problems; sciatica; "headaches"; "dizziness"; "blackouts" Reproductive system and prostate conditions 171. Pregnancy and childbirth problems; miscarriage; stillbirth; RH factor 172. Infertility; sterilization; vasectomy; tubal ligation 173. Prostate conditions 179. Other problems of reproductive system; hysterectomy; ovarian problems; PMS; menopause Emotional and psychological conditions 181. Alcoholism 182. Drug abuse, addiction 183. Other severe psychological conditions: (chronic) depression; schizophrenia; mania; paranoia; autism 189. Other emotional and psychological problems; "mental problems"; "nerves"; "nervous breakdown" Miscellaneous 191. Alzheimer's disease; "senility"

192. 193. 194. -7. 0.

Dental and gum conditions--any mention Infectious diseases; flu, colds, fever, mumps, etc. Injuries and traumas: broken bones; pulled muscles; strains; tendon damage; burns, lacerations; concussion Other health condition Inap. (No chronic health conditions, no further chronic health conditions) HEALTH CONDITIONS ALPHABETIC LIST

149. 133. 181. 131. 103. 191. 114. 124. 121. 121. 183. 151. 151. 121. 121. 121. 111. 132. 194. 112. 189. 102. 183. 171. 139. 155. 161. 129. 124. 124. 194. 151 194. 169. 139. 133. 194. 111. 121. 101. 101. 161. 163. ??? 171. 171.

Acromegaly Acute upper respiratory diseases Alcoholism Allergies Alopecia Alzheimer's disease Amputation of limbs Anemia Aneurysm Angina Anxiety Appendectomy Appendicitis Arterial blockage Arteries, hardening Arteriosclerosis Arthritis Asthma Back injuries Back, bad Behavioral problems Benign tumors Bipolar depression Birth of child Black lung Bladder conditions Blindness Blood clots Blood disorders, specific Blood disorders, NFS Bones, broken/damaged from injuries/accidents Bowel, irritable Brain damage, from injuries/accidents "Brain damage," NFS Breathing problems Bronchitis Burns Bursitis Bypass surgery Cancer Carcinoma Cataracts Cerebral palsy Chest pains Childbirth Childbirth, hemorrhaging from

171. 144. 129. 129. 152. 193. 151. 151. 194. 121. 161. 121. 151. 143. 155. 102. 162. 183. 103. 161. 141. 153. 112. 112. 151. 182. 182. 179. 162. 103. 134. 179. 151. 163. 171. 161. 179. 193. 193. 154. 154. 154. 151. 161. 149. 149. 102. 179. 142. 131. 162. 121. 121. 121. 121. 121. 121. 121.

Childbirth, complications from Cholesterol, high "Circulation" Circulatory system, other specific Cirrhosis Colds Colitis Colostomy Concussions Congestive heart disease Conjunctivitis Coronary Crohn's disease Cystic fibrosis Cystitis Cysts Deafness Depression Dermatitis Detached retina Diabetes Dialysis Disc, slipped Disc, worn Diverticulosis Drug addiction Drug dependence Dysmenorrhea Ear conditions, all Eczema Emphysema Endometriosis Enteritis Epilepsy Episiotomy Eye conditions, NFS Female problems "Fever" "Flu" Gallbladder conditions Gallbladder, removal Gallstones Gastritis Glaucoma Gout Gland problem "Growths" Gynecological problems, NFS Goiter Hayfever Hearing, loss of Heart attack Heart bypass surgery Heart condition, NFS Heart deformities, congenital Heart murmurs Heart valve blockage Heart valve prolapse

121. 124. 129. 152. 116. 122. 141. 149. 149. 122. 149. 179. 151. 193. 172. 193. 194. 189. 151. 151. 152. 153. 153. 153. 113. 194. 164. 189. 101. 152. 142. 119. 101. 183. 193. 101. 101. 162. 179. 179. 189. 189. 165. 169. 171. 121. 102. 193. 163. 193. 117. 119. 121. 121. 194. 153. 119. 189.

Heart valve replacement Hemophilia Hemorrhoids Hepatitis Hernia, hiatal High blood pressure High blood sugar Hormone problems Hyperpituitarism Hypertension Hypoglycemia Hysterectomy Ileitis "Infection" Infertility Influenza Injuries, accidental Insomnia Intestinal conditions Irritable bowel conditions Jaundice Kidney failure Kidney removal Kidney stones Knee, bad Lacerations Laryngectomy Learning disabilities Leukemia Liver conditions Low blood sugar Lupus Malignant tumors Manic-depression Measles Melanoma Melanoma, removal Meniere's disease Menopause Menstrual periods, painful Mental health problem, vague Mental problems Mental retardation Migraines Miscarriage Mitral valve prolapse Mole removal Mononucleosis Multiple sclerosis Mumps Muscular dystrophy Myasthenia gravis Myocardial infarction Myocardial schemia Neck injuries Nephritis Nerve, pinched Nerves, bad

189. 189. 119. 144. 144. 119. 149. 183. 163. 151. 129. 139. 133. 115. 124. 102. 179. 173. 103. 194. 103. 179. 133. 161. 161. 121. 111. 193. 139. 169. 112. 191. 169. 169. 124. 131. 194. 194. 164. 164. 194. 194. 171. 151. 151. 151. 193. 123. 164. 172. 142. 131. 139. 102. 101. 102. 172. 172.

Nervous breakdown Nervous condition Neuritis Obesity Overweight Osteoporosis Pancreatitis Panic attacks Parkinson's disease Peritonitis Phlebitis Pleurisy Pneumonia Polio Polycythemia Polyps Premenstrual syndrome (P.M.S.) Prostate conditions Psoriasis Pulled muscle Rash, skin Reproductive organs, removal of (exc. for cancer, tumors) Respiratory diseases, acute upper Retina, detached Retina, torn Rheumatic heart disease Rheumatism Rubella Sarcoidosis Sciatica/sciatic nerve problem Scoliosis Senility "Shaky hands" Shingles Sickle cell anemia Sinusitis Skull bone injuries Skull fracture Speech conditions, all Speech impediment Spinal cord damage, from injuries/accident Sprain Stillbirth Stomach conditions Stomach pains Stomach, removal Strep throat Stroke Stuttering Sterilization Thyroid problems Tonsillitis Tuberculosis Tumors, benign Tumor, malignant (or cancerous) Tumor, NA whether malignant or benign Tubal ligation Tubes tied

151. 151. 103. 172. 129. 193. 161. 144. 102. 144.

Ulcerative colitis Ulcers, stomach (peptic or duodenal) Ulcers, skin Vasectomy Varicose veins "Virus," NFS Vision problems, NFS Vitamin deficiency Warts Weight problems 0. Inap. (No chronic health conditions, no further chronic health conditions)

----------------------------------------------------------------------------HEALTH INSURANCE ----------------------------------------------------------------------------6301 Y29. Are you or anyone in your household (including family members with independent finances) currently eligible to receive benefits from any government health insurance programs, such as Medicare, Medicaid, or CHAMPUS, VA, or other military programs? (R DOES NOT LIVE ALONE) Are you currently eligible to receive benefits from any government health insurance programs, such as Medicare, Medicaid, or CHAMPUS, VA, or other military programs? (R LIVES ALONE) 1. 5. Y29a. YES NO

Y27.

Y27a.

Which program is that? (Anything else?) (CHECK ALL THAT APPLY.) (IWER: ONLY PERSONS 65 OR OLDER SHOULD BE ELIGIBLE FOR MEDICATE. ONLY POOR PERSONS SHOULD BE ELIGIBLE FOR MEDICAID. CHAMPUS IS FOR ACTIVE MILITARY.) (R DOES NOT LIVE ALONE) Which program is that? (Anything else?) (CHECK ALL THAT APPLY.) (IWER: ONLY PERSONS 65 OR OLDER SHOULD BE ELIGIBLE FOR MEDICARE. ONLY POOR PERSONS SHOULD BE ELIGIBLE FOR MEDICAID. CHAMPUS IS FOR ACTIVE MILITARY.) (R LIVES ALONE) A. B. C. D. MEDICARE MEDICAID (include MediCal) VA/CHAMPUS OTHER

6302 6303 6304 6305

Y27a./Y29a. Y27a./Y29a. Y27a./Y29a. Y27a./Y29a. 1. 5. 0.

Checked Not checked Inap. (Not eligible for any government health insurance programs)

6306

Y29b.

Is everyone living here covered by (this/one of these) program(s)?

1. 5. 0.

YES NO Inap. (Not eligible for any government health insurance programs) (CHECK ALL THAT

Y29d. 6308 6309 6310 6311 6312 6313 6314 Y29d. Y29d. Y29d. Y29d. Y29d. Y29d. Y29d.

Who is not covered? (Anyone else?) APPLY.) A. B. C. D. E. F. G. 1. 2. 5. 0. R SPOUSE CHILD(REN) UNDER 18 CHILD(REN) 18 AND OVER FATHER (IN-LAW) MOTHER (IN-LAW) OTHER:

Checked Grandchild (6314 only) Not checked Inap. (Not eligible for any government health insurance programs, everyone covered by government health insurance programss)

6315

Y29c.

Y30. Y27b. Y28.

Do you or anyone living here have any other type of health coverage such as employer plans, or Blue Cross-Blue Shield, or a Health Maintenance Organization? (R DOES NOT LIVE ALONE) Do you or anyone living here have any (other) type of health coverage such as employer plans, or Blue Cross-Blue Shield, or a Health Maintenance Organization? Do you have any other type of health coverage such as employer plans, or Blue Cross-Blue Shield, or a Health Maintenance Organization? (R LIVES ALONE) Do you have any type of health coverage such as employer plans or Blue Cross-Blue Shield, or a Health Maintenance Organization? (R LIVES ALONE) 1. 5. YES NO

Y31.

Y28a.

Is this coverage obtained through your employer, former employer, or union, (your [husband's/wife's/partner's] employer, former employer, or union,) through direct payments to an insurance company, or what? (CHECK ALL THAT APPLY.) Is this coverage obtained through your employer or former employer, a union, through direct payments to an insurance company, or what? (CHECK ALL THAT APPLY.) (R LIVES ALONE) A. B. C. D. E. F. R'S R'S R'S S'S S'S S'S EMPLOYER (incl. R's own business) FORMER EMPLOYER UNION EMPLOYER FORMER EMPLOYER UNION

6316 6317 6318 6319 6320 6321

Y28a./Y31. Y28a./Y31. Y28a./Y31. Y31. Y31. Y31.

6322 6323

Y28a./Y31. Y28a./Y31. 1. 2. 3. 5. 0. Y31a.

G. H.

DIRECT PAYMENT OTHER:

Checked Employer of HU member (except R or Spouse) (6323 only) Through a relative outside the HU (incl. Ex-spouse); former spouse's employer (R lives alone) (6323 only) Not checked Inap. (No private health insurance coverage)

Y28b.

How is this coverage paid for -- by you or someone in your household, by an employer, by you and an employer, by a relative not living here, or what? (CHECK ALL THAT APPLY.) (R DOES NOT LIVE ALONE) How is this coverage paid for -- by you, by an employer, by you and an employer, by a relative, or what? CHECK ALL THAT APPLY. (R LIVES ALONE) A. B. C. D. E. R/FAMILY EMPLOYER (incl. R's or S's own business) RELATIVE FORMER EMPLOYER OTHER:

6324 6325 6326 6327 6328

Y28b./Y31a. Y28b./Y31a. Y28b./Y31a. Y28b./Y31a. Y28b./Y31a. 1. 2. 3. 5. 0.

Checked Employer of someone else in HH other than R/Spouse (6328 only) Employer of person outside HH, incl. relatives/ ex-spouse (6328 only) Not checked Inap. (No private health insurance coverage)

6329

Y31b.

Is everyone in your household covered by at least one of these private health programs? 1. 5. 0. YES NO Inap. (No private health insurance coverage)

Y31c. 6330 6331 6332 6333 6334 6335 6336 Y31c. Y31c. Y31c. Y31c. Y31c. Y31c. Y31c.

Who is not covered (including those with independent finances)? (Anyone else?) (CHECK ALL THAT APPLY.) A. B. C. D. E. F. G. 1. 2. 3. 5. R SPOUSE/PARTNER CHILD(REN) UNDER 18 CHILD(REN) 18 AND OVER FATHER (IN-LAW) MOTHER (IN-LAW) OTHER: Checked Other adult relative(s) (6336 only) Non-relative(s) (6336 only) Not checked

0.

Inap. (No private health insurance coverage, everyone covered by private health insurance)

6337

Y32.

(RB, P. 14) This is a list of reasons why some people don't have health insurance. Which number best describes why (you/some members of your household) are not covered? 1. 2. 3. 4. 5. 6. 11. 95. -7. 0. TOO EXPENSIVE, CAN'T AFFORD HEALTH INSURANCE CAN'T GET INSURANCE BECAUSE OF POOR HEALTH, AGE, OR ILLNESS DON'T BELIEVE IN HEALTH INSURANCE NOT MUCH SICKNESS IN THE FAMILY; WE HAVEN'T NEEDED INSURANCE DISSATISFIED WITH PREVIOUS INSURANCE JOB LAYOFF OR JOB LOSS Not covered on job yet, but will be soon Those without private insurance are already covered by Medicare/Medicaid OTHER Inap. (Has private health insurance coverage or all covered by a government program)

----------------------------------------------------------------------------FINANCES OF OTHER ECONOMIC UNITS WITHIN THE HOUSEHOLD ----------------------------------------------------------------------------6401 Y33. INTERVIEWER CHECKPOINT 1. 2. 0. 6402 Y34. 1 OR MORE ADULTS WITH INDEPENDENT FINANCES (COL. F MARKED "INDEP") ALL OTHERS Inap. (R lives alone)

I'd like to ask some questions just about the other adults 22 and over who live with you (and your family) but have independent finances. (Does he/Does she/Do any of these other adults) receive any income from wages or salaries? 1. 5. 0. YES NO Inap. (No adults with independent finances)

6403

Y34a.

Roughly how much total income did (he/she/they) have from wages and salaries in 1988 before taxes and deductions? (ACCEPT RANGE.) Code actual amount -1. Zero; none in 1988 0. Inap. (No adults with independent finances, independent adults have no wages/salaries)

6405

Y35.

(Does he/Does she/Do they) receive income from any other

sources (such as social security, a pension, disability payments, public assistance, or income from a business or other assets)? 1. 5. 0. Y35a. 6406 6407 6408 6409 6410 6411 6412 6413 6414 Y35a. Y35a. Y35a. Y35a. Y35a. Y35a. Y35a. Y35a. Y35a. YES NO Inap. (No adults with independent finances)

What other sources of income (does he/does she/do they) have? (CHECK ALL THAT APPLY.) A. B. C. D. E. F. G. H. J. 1. 5. 0. SOCIAL SECURITY PENSIONS DISABILITY PUBLIC ASSISTANCE INTEREST INCOME DIVIDENDS BUSINESS REAL ESTATE OTHER Checked Not checked Inap. (No adults with independent finances, independent adults have no income from other sources)

6415

Y35b.

Roughly how much total income did (he/she/they) have from (all these/this) source(s) in 1988 before taxes and deductions? Code actual amount -1. Zero; none in 1988 0. Inap. (No adults with independent finances, independent adults have no income from other sources)

6417

Y36.

(Does he/Does she/Do any of them) have any cars or other vehicles? 1. 5. 0. YES NO Inap. (No adults with independent finances)

6418

Y36a.

Roughly, how much (is this/are these) vehicle(s) worth in today's prices? (ACCEPT RANGE.) Code actual amount -1. Zero; worth nothing 0. Inap. (No adults with independent finances, independent adults have no vehicles)

6420

Y37.

(Does he/Does she/Do they) have any bank accounts, savings accounts, or savings bonds?

1. 5. 0. 6421 Y37a.

YES NO Inap. (No adults with independent finances)

Roughly, how much in total (does he/does she/do they) have in bank accounts, savings accounts, or savings bonds? (ACCEPT RANGE.) Code actual amount -1. Zero; account with no balance 0. Inap. (No adults with independent finances, independent adults have no accounts/savings bonds)

6423

Y38.

(Does he/Does she/Do they) have any other assets (such as stocks, bonds, a business, or any properties, including any part of the [house/apartment] you live in)? 1. 5. 0. YES NO Inap. (No adults with independent finances)

Y38a. 6424 6425 6426 6427 6428 6429 6430 6431 Y38a. Y38a. Y38a. Y38a. Y38a. Y38a. Y38a. Y38a.

What other kinds of assets (does he/does she/do they) have? (CHECK ALL THAT APPLY.) A. B. C. D. E. F. G. H. 1. 5. 0. R'S HOME STOCKS BONDS MUTUAL FUNDS MONEY MARKET FUNDS BUSINESS OTHER REAL ESTATE OTHER Checked Not checked Inap. (No adults with independent finances, independent adults have no other assets)

6432

Y38b.

Roughly, how much in total (does he/does she/do they) have in (all these/this) asset(s)? (ACCEPT RANGE.) Code actual amount -1. Zero value; currently a loss 0. Inap. (No adults with independent finances, independent adults have no other assets)

6435

Y39a.

What share of this home (does he/does she/do they) own? Code PERCENT to 2 decimal places 0. Inap. (No adults with independent finances, independent adults do not own part of R's home)

6436

Y39b.

What is the present value of this home? I mean, about what would it bring if it were sold today? Code actual amount 0. Inap. (No adults with independent finances, independent adults do not own part of R's home)

6437

Y39c.

What is the amount still owed on all the mortgages, land contracts and loans on the home? (ACCEPT RANGE.) Code actual amount -1. NOTHING 0. Inap. (No adults with independent finances, independent adults do not own part of R's home)

6438

Y40.

Not including any debts (he/she/they) owe(s) you (or your [husband/wife]), (does he/does she/do they) have any debts? (IF R ASKS: DO NOT INCLUDE MORTGAGE ON R'S HOME.) 1. 5. 0. YES NO Inap. (No adults with independent finances)

6439

Y40a.

Roughly how much in total are (his/her/their) debts? Code actual amount 0. Inap. (No adults with independent finances, independent adults do have any debts)

----------------------------------------------------------------------------EXPECTATIONS AND ATTITUDES ----------------------------------------------------------------------------301 A1. I'd like to start this interview by asking you about your expectations for the future. Over the next five years, do you expect the U.S. economy as a whole to perform better, worse, or about the same as it has over the past five years? 1. 2. 3. 302 A2. BETTER WORSE ABOUT THE SAME

Five years from now, do you think interest rates will be higher, lower, or about the same as today? 1. 2. 3. HIGHER LOWER ABOUT THE SAME

303

A3.

Over the next five years, do you expect your total (family) income to go up more than prices, less than

prices, or about the same as prices? 1. 2. 3. 304 A4. UP MORE UP LESS ABOUT THE SAME

Over the past five years, did your total (family) income go up more than prices, less than prices, or about the same as prices? 1. 2. 3. UP MORE UP LESS ABOUT THE SAME

401

B1.

Now I would like to ask you some questions about how you feel about credit. In general, do you think it is a good idea or a bad idea for people to buy things on the installment plan? 1. 3. 5. GOOD IDEA GOOD IN SOME WAYS, BAD IN OTHERS BAD IDEA

B2.

402 403 404 405 406

B2a. B2b. B2c. B2d. B2e.

People have many different reasons for borrowing money which they pay back over a period of time. For each of the reasons I read, please tell me whether you feel it is all right for someone like yourself to borrow money... first, to cover the expenses of a vacation trip? next, to cover living expenses when income is cut? (next,) to finance the purchase of a fur coat or jewelry? (next,) to finance the purchase of a car? finally, to finance educational expenses? 1. 5. YES NO

407

B3.

In the past five years, has a particular lender or creditor turned down any request you (or your [husband/wife]) made for credit, or not given you as much credit as you applied for? (Turned down, or not as much credit?) 1. 3. 5. YES, TURNED DOWN YES, NOT AS MUCH CREDIT NO

408

B3a.

Were you later able to obtain the full amount you (or your husband/wife) requested by reapplying to the same institution or by applying elsewhere? 1. 5. 0. YES NO Inap. (Not turned down)

409

B4.

Was there any time in the past five years that you (or your [husband/wife]) thought of applying for credit at a particular place, but changed your mind because you thought you might be turned down? 1. 5. YES NO

3001

H16.

R HAS ANY LOANS -- RECODED FROM INTERVIEWER CHECKPOINT 1. 2. 3. 4. R HAS ANY TYPE OF LOAN OR DEBT -- MORTGAGE, HOUSING LOAN, PROPERTY, VEHICLE OR OTHER LOANS ALL OTHERS CHECKED "NO DEBTS," BUT R HAD DEBTS CHECKED "DEBTS," R HAD NO DEBTS

3002

H17.

(RB, P. 2) Thinking about the loan or mortgage that you took out most recently, what was the main reason you chose the lender that you did? (Was it because of the location of their offices, because they had the best interest rates, because you were able to obtain many services at one place, because they were recommended by someone else, or some other reason?) 1. 2. 3. 4. 5. 6. 7. 8. 9. 11. 21. 22. -7. 0. RECOMMENDED INTEREST RATES LOCATION OF OFFICES Other business done here Easy to qualify (for credit); only place that would give us a loan MANY SERVICES IN ONE PLACE Low fees/service charges Safety Other convenience mentions: payroll deduction feature; "convenience"--NFS Personal relationship; they know me; know/like them; R/Spouse works there No choice--assumed existing debt and lender from previous owner No choice--financed through store/dealer and this was their financial institution OTHER Inap. (R has no loans)

3003

H18.

(Not using the booklet.) (READ SLOWLY:) Again thinking about the same loan, roughly how far was the office where the application was made from the home or workplace of the person who made the application? (IF R ASKS: WE WANT THE CLOSER OF THE DISTANCE FROM HOME OR OFFICE.) (ACCEPT RANGE.) Code MILES 51. OVER 50 MILES

-1. 0. 3004 H19.

LESS THAN A MILE Inap. (R has no loans)

Now thinking of all the various loan payments you made during the last year, were all the payments made the way they were scheduled, or were payments on any of the loans sometimes made later or missed? 1. 5. -1. -7. 0. ALL PAID AS SCHEDULED SOMETIMES GOT BEHIND OR MISSED PAYMENTS Payments not due/started yet Other Inap. (R has no loans)

3005

H19a.

Were you ever behind in your payments by two months or more? 1. 5. 0. YES NO Inap. (R has no loans, all payments made as scheduled)

3006 3007

J1.

Now I'd like to ask a few questions about your (family's) savings. People have different reasons for saving. What are your (family's) most important reasons for saving? 1. 2. 3. 11. 12. 13. 14. 15. 16. Children's education; education of grandchildren Own education; spouse's education; education--NA for whom "For the children/family"--NFS; "to help the kids out" Buying own house (code summer cottage in 12) Purchase of cottage or second home for own use Buy a car Home improvements/repairs To travel; take vacations Buy durable household goods, appliances, home furnishings; hobby items; for other purchases not codable above or not further specified; "buy things when we need/want them"; moving/special occasions Burial; funeral expenses Charitable or religious contributions Buying (investing in) own business/farm; equipment for business/farm Retirement; old age Reserves in case of unemployment In case of illness; medical/dental expenses Emergencies; "rainy days"; other unexpected needs; for "security"/independence Investment reasons (to get interest, to be diversified, to buy other forms of assets) To meet contractual commitments (debt repayment, insurance, taxes, etc.); to pay off house "To get ahead"; for the future; to advance standard of living

17. 18. 21. 22. 23. 24. 25. 26. 27. 28.

29. 90. 91. 92. -1. -7. 0. 3008 J2.

Ordinary living expenses/bills Had extra income; saved because had the money left over--no other purpose specified Wise/prudent thing to do; good discipline to save Liquidity; to have cash available/on hand Don't/can't save; "have no money" Other Inap. (No additional reason)

(RB, P. 3) In deciding how much of their (family) income to spend or save, people are likely to think about different financial planning periods. In planning your (family's) saving and spending, which of the time periods listed on this page is most important to you (and your [husband/wife])? 1. 2. 3. 4. 5. -1. NEXT FEW MONTHS NEXT YEAR NEXT FEW YEARS NEXT 5 - 10 YEARS LONGER THAN 10 YEARS R only says: "no savings"/"can't (don't) save"

3009

J3.

Which is the least important to you? (RECORD ANSWER IN GRID ABOVE.) 1. 2. 3. 4. 5. -1. NEXT FEW MONTHS NEXT YEAR NEXT FEW YEARS NEXT 5 - 10 YEARS LONGER THAN 10 YEARS R only says: "no savings"/"can't (don't) save"

3010

J4.

(Not using the booklet.) Are there any foreseeable major financial obligations that you (and your family) expect will have to be met in the future, such as educational expenses, health care costs, and so forth? (IF R ASKS, THE FUTURE MEANS THE NEXT FIVE TO TEN YEARS.) 1. 5. YES NO (CHECK

3011 3012 3013

J4a.

(RB, P.4) What kinds of obligations are these? ALL THAT APPLY.

Code up to 3 mentions 1. EDUCATION: R'S CHILDREN (incl. step & adopted children); grandchildren 2. EDUCATION: OTHERS (incl. R & spouse) 3. HEALTH CARE: SELF/SPOUSE 4. HEALTH CARE: OTHERS (incl. elderly parents/disabled child) 5. Health care/Medical expenses -- NA for whom 11. General support for R/spouse in retirement or old

12. 13. 14. 21. 22. 23. 24. 25. 26. 31. 41. -7. 0.

age General support for (disabled) child/grandchild; "raising my grandson" General support for parents General support for others or NA for whom Home purchase (incl. vacation home) Purchase of car or other large durable goods Burial expenses Taxes Home repairs/improvements Weddings, vacations, moving and other special expenditures Business/investment; start/expand own business Bills/living expenses--NFS OTHER Inap. (No financial obligations, no additional financial obligations)

3014

J5.

(RB, P. 5) Which of the statements on this page comes closest to the amount of financial risk that you (and your [husband/wife]) are willing to take when you save or make investments? If more than one box checked, code smallest category #. 1. 2. 3. 4. 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.

J6.

3015 3016 3017 3018 3019 3020

J6-1. J6-2. J6-3. J6-4. J6-5. J6-6.

(RB, P. 6) Which of the following statements on this page comes closest to describing you(r) (and your [husband's/wife's]) saving habits? (CHECK MORE THAN ONE ONLY IF NECESSARY.) 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 THE MONTH--NO SAVE INCOME OF ONE FAMILY MEMBER, SPEND THE OTHER SPEND REGULAR INCOME, SAVE OTHER INCOME SAVE REGULARLY BY PUTTING MONEY ASIDE EACH MONTH 1. 5. Checked Not checked

3021

J7.

(RB, P. 7) Now I'd like to ask a few questions about how you see various risks. First, on a scale from 0 to 10, where 0 equals almost no risk and 10 equals very great risk, what do you think is the risk that the U.S. economy will experience a major depression sometime during the next ten years or so?

0. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 3022 J8.

ALMOST NO RISK

VERY GREAT RISK

(RB, STILL ON P. 7) And what number would you give to the risk that the U.S. economy will experience double digit inflation sometime during the next ten years or so? 0. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. ALMOST NO RISK

VERY GREAT RISK

3023

J9.

(RB, P. 8) On a different scale, how would you rate the retirement income you (expect to receive/are receiving) from Social Security and job pensions? 0. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. TOTALLY INADEQUATE

ENOUGH TO MAINTAIN LIVING STANDARDS

VERY SATISFACTORY

3024

J10.

(RB, P. 9) When making major decisions about borrowing and saving, some people shop around for the very best terms while others don't. Where would your family be on the scale? 0. 1. 2. 3. 4. 5. ALMOST NO SHOPPING

6. 7. 8. 9. 10.

A GREAT DEAL OF SHOPPING

----------------------------------------------------------------------------LINKAGE TO PENSION PROVIDER ----------------------------------------------------------------------------6501 Y42. END OF IW REFERENCE: RESPONDENT'S EMPLOYMENT/PENSION INFORMATION 1. 2. R IS COVERED BY PENSION ON CURRENT JOB (1 OR MORE PLANS AT R18, P. 82) ALL OTHERS

6502

Y43.

END OF IW REFERENCE: INFORMATION 3. 4. 5.

SPOUSE'S EMPLOYMENT/PENSION

R IS NOT MARRIED/LIVING WITH PARTNER S IS COVERED BY PENSION ON CURRENT JOB ALL OTHERS

----------------------------------------------------------------------------INTERVIEWER OBSERVATIONS ----------------------------------------------------------------------------6503 ZZ1. RELATIONSHIP OF R TO INFORMANT: 1. 2. 3. 4. 5. 6. -7. .N R IS INFORMANT Spouse of Informant; partner of Informant Child " " Parent " " Roommate/friend Employer of Informant (e.g., maid was Informant) OTHER: R IS __________ OF INFORMANT NA

6504

ZZ2.

TYPE OF STRUCTURE IN WHICH FAMILY LIVES: 0. 1. 2. 3. 4. 5. 6. 7. 8. IW NOT CONDUCTED AT R'S HOME (low priority code) TRAILER; MOBILE HOME DETACHED SINGLE FAMILY HOUSE 2-FAMILY HOUSE, 2 UNITS SIDE BY SIDE 2-FAMILY HOUSE, 2 UNITS ONE ABOVE THE OTHER; "duplex"--NA whether 3 or 4 DETACHED 3-4 FAMILY HOUSE ROW HOUSE (3 OR MORE UNITS IN AN ATTACHED ROW) APARTMENT HOUSE (4 OR FEWER UNITS) CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 3 STORIES OR

9. 10. 11. -7. .N ZZ3. 6505 6506 6507 6508 6509 6510 6511 6512 6513 6514 6515 6516 6517 6518 ZZ3. ZZ3. ZZ3. ZZ3. ZZ3. ZZ3. ZZ3. ZZ3. ZZ3. ZZ3. ZZ3. ZZ3. ZZ3. ZZ3.

LESS) CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 4 STORIES OR MORE) APARTMENT IN PARTLY COMMERCIAL STRUCTURE Gov't. housing "projects"--not codeable above OTHER NA

NEIGHBORHOOD: Look at the structures on R's block and check as many as apply. A. B. C. D. E. F. G. H. J. K. L. M. N. P. 1. 2. 3. 5. .N 0. VACANT LAND (include "lake", "farmland") TRAILER/MOBILE HOME DETACHED SINGLE FAMILY HOUSE 2-FAMILY HOUSE; SIDE BY SIDE OR ONE ABOVE DETACHED 3-4 FAMILY HOUSE ROW HOUSE (3 OR MORE UNITS IN AN ATTACHED APARTMENT HOUSE (4 OR FEWER UNITS) CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 3 LESS) CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 4 MORE) COMMERCIAL OR INDUSTRIAL STRUCTURE PARK; golf course SCHOOL OR OTHER GOV'T. BUILDING VACANT BUILDING OTHER

THE OTHER ROW) STORIES OR STORIES OR

Checked Gov't/Housing Project--not codeable above Church (6518 only) Not checked NA Inap. (Interview not conducted in R's home)

6519

ZZ4.

BUILDINGS IN THE IMMEDIATE NEIGHBORHOOD (LOOK UP AND DOWN THE BLOCK) ARE: 1. 2. 3. 4. .N 0. ALL RESIDENTIAL MOSTLY RESIDENTIAL ABOUT EQUALLY RESIDENTIAL AND NONRESIDENTIAL MOSTLY NONRESIDENTIAL NA NONE IN VIEW; Inap. (Interview not conducted in R's home)

6520

ZZ5.

HOUSING STRUCTURES ON BLOCK ARE: 1. 2. 3. .N 0. 0-20 FEET APART 21-100 FEET APART OVER 100 FEET APART NA Inap. (Interview not conducted in R's home)

6521

ZZ6.

CONDITION OF BUILDING EXTERIOR IS: 1. 2. 3. 4. .N 0. CLEAN AND SOUND SOME PAINT PEELING OR CRACKS IN MASONRY NEEDS SUBSTANTIAL PAINTING, REFILLING, OR REPAIR DILAPIDATED NA Inap. (Interview not conducted in R's home)

6522

ZZ7.

CONDITION OF THE EXTERIOR OF BUILDINGS ON BLOCK IN GENERAL (BOTH SIDES OF STREET) LOOKS: 1. 2. 3. .N 0. BETTER THAN R'S AS GOOD AS R'S WORSE THAN R'S NA NO OTHER BUILDINGS IN VIEW; Inap. (Interview not conducted in R's home)

6523

ZZ8.

PLEASE RATE THE PHYSICAL CONDITION OF THE INTERIOR OF THE HU: 1. 2. 3. 4. 8. .N 0. EXCELLENT: WALLS AND CEILINGS HAVE NO CRACKS; PAINT OR PANELLING IS IN GOOD CONDITION GOOD: NEEDS SOME MINOR PAINTING OR REFINISHING FAIR: NEEDS MAJOR INTERIOR WORK--HOLES AND/OR CRACKS NEED PATCHING, PAINTING NEEDED, ETC. POOR: SOME WALLS OR CEILINGS NEED REPLACEMENT DON'T KNOW--WASN'T INSIDE HOUSE NA Inap. (Interview not conducted in R's home)

6524

ZZ9.

NEIGHBORHOOD RESIDENTS SEEM TO BE: 1. 2. 3. 4. 5. 8. .N 0. ALL BLACK ALMOST ALL BLACK HALF BLACK AND HALF NON-BLACK ALMOST ALL NON-BLACK ALL NON-BLACK DON'T KNOW NA Inap. (Interview not conducted in R's home)

6525

ZZ10.

R'S UNDERSTANDING OF THE QUESTIONS WAS . . . 1. 2. 3. 4. EXCELLENT GOOD FAIR POOR

6526

ZZ11.

R'S ABILITY TO EXPRESS (HIMSELF/HERSELF) WAS . . .

1. 2. 3. 4. 6527 ZZ12.

EXCELLENT GOOD FAIR POOR

WAS R SUSPICIOUS ABOUT THE STUDY BEFORE THE INTERVIEW? 1. 2. 5. NO, NOT AT ALL SUSPICIOUS YES, SOMEWHAT SUSPICIOUS YES, VERY SUSPICIOUS

6528

ZZ13.

WAS R SUSPICIOUS ABOUT THE STUDY AFTER THE INTERVIEW? 1. 2. 5. NO, NOT AT ALL SUSPICIOUS YES, SOMEWHAT SUSPICIOUS YES, VERY SUSPICIOUS

6529

ZZ14.

OVERALL, HOW GREAT WAS R'S INTEREST IN THE INTERVIEW? 1. 2. 3. 4. 5. VERY HIGH ABOVE AVERAGE AVERAGE BELOW AVERAGE VERY LOW

ZZ15. 6530 6531 6532 6533 6534 6535 ZZ15 ZZ15. ZZ15. ZZ15. ZZ15. ZZ15.

OTHER PERSONS PRESENT AT THE INTERVIEW: (CHECK ALL THAT APPLY.) A. CHILDREN UNDER 6 B. CHILDREN 6 & OVER C. SPOUSE D. OTHER RELATIVES E. OTHER ADULTS F. NO ONE 1. 5. 9. Checked Not checked NA

6536

ZZ16.

DID R REFER TO DOCUMENTS TO ANSWER QUESTIONS? 1. 2. 4. 5. 8. 9. FREQUENTLY SOMETIMES RARELY NEVER DK NA

6537 6538 6539 6540

ZZ17. ZZ17. ZZ17. ZZ17. ZZ17.

WHICH DOCUMENTS DID R REFER TO? (CHECK ALL THAT APPLY) A. LOAN DOCUMENTS B. CHECKING; SAVINGS; INVESTMENTS C. PENSION DOCUMENTS D. INCOME TAX RETURN

1. 5. 8. 9. 0.

Checked Not checked DK NA Inap. (Did not refer to documents)

*********************************************************************** MISC. RECODED VARIABLES *********************************************************************** farm these out the to proper location elsewhere in the codebook... *********************************************************************** 8161 variable to link head/spouse with 1983 (0) not a panel case 1989 R single (1) single in 1983 married/partner in 1983 (2) R was head in 1983 (3) R was spouse in 1983 1989 R married/partner single in 1983 (4) R is head in 1989 (5) R is spouse in 1989 married/partner in 1983 same R and spouse (6) R is head in 1989 (7) R is spouse in 1989 different spouse (8) R is head in 1989 (9) R is spouse in 1989 * note that if absent spouse (i.e. x105=7 or x105=8 or x100 ne 0) then resp is always head and new values for x102,x105,and x107 x102=45 x105=12 or 13 if x8023=7 or 8 x107=12 8152 8153 8154 8155 8156 8157 8158 8159 8160 assets of new spouse since 1983 debt of new spouse since 1983 for widows since 1983, amount of assets bequeathed outside HH for widows since 1983, amount of insurance settlement for div since 1983, amount of assets R kept for div since 1983, amount of assets old S kept for div since 1983, alimony involved? for div since 1983, child custody agreement? for div since 1983, child support?

X. VEHICLES 8346 place holder for imputed value of x2103 8347 place holder for imputed value of x2110 8348 place holder for imputed value of x2204

8349 place holder for imputed value of x2304 8350 place holder for imputed value of x2404 XIII. FINANCIAL ASSETS 4016 8174 n50.face val oth life in intrm var - original value of 4006

4019 n52.if other assets 8173 number of other assets (N52) XIV. EMPLOYMENT 8067 8068 total annual earnings (main job), H -- RECODE AND J total annual earnings (main job), Sp -- RECODE AND J

EMPLOYMENT HISTORY RECODES + J 8069 8082 8269 8282 8569 8582 8070 8083 8270 8283 8071 8084 8271 8284 8571 8584 8501 total years worked full-time, H total years worked full-time, Sp total years worked f.t. through 86 (for imp bounds), H no j-code var total years worked f.t. through 86 (for imp bounds), S no j-code var total years be used if total years be used if worked 8269 = worked 8282 = f.t. through 83 (for imp bounds), to . , no j-code var H f.t. through 83 (for imp bounds), to . , no j-code var S H (remember to make proper pt/nw and worked for < 5 yrs Sp (remember to make proper pt/nw and worked for < 5 yrs

total number of employers >= yr, J code for cases where person is total number of employers >= yr, J code for cases where person is

total number of employers >= yr through 86 (for imp bounds), H no j-code var total number of employers >= yr through 86 (for imp bounds), S no j-code var total years worked part-time, H total years worked part-time, Sp total years worked p.t. no j-code var (for new total years worked p.t. no j-code var (for new total years be used if total years be used if l.p.j var worked 8271 = worked 8284 = through 86 86 spouses through 86 86 spouses (for imp bounds), H a bound using 89 data only) (for imp bounds), S a bound using 89 data only)

p.t. through 83 (for imp bounds), to . , no j-code var H p.t. through 83 (for imp bounds), to . , no j-code var S

= < .z when f.t. l.p.j. can't be calculated due to bad data

8601

(=.f =86 =83 =1 =2 =5 =6 =89 l.p.j var = < (=.f =86 =83 =1 =2 =5 =6 =89

new sp 89 (p.t. or n.w.) or 86, and questions not asked) if f.t. l.p.j. is 86 job if f.t. l.p.j. is 83 job if new 89 sp never wk f.t. if no f.t. l.p.j. ( >= 3 years if f.t. in 89) if f.t. l.p.j. from new sp info from 83 f.t. l.p.j. from 83-86/90 job H .z when f.t. l.p.j. can't be calculated due to bad data new sp 89 (p.t. or n.w.) or 86, and questions not asked) if f.t. l.p.j. is 86 job if f.t. l.p.j. is 83 job if new 89 sp never wk f.t. if no f.t. l.p.j. ( >=3 years if f.t. in 89) if f.t. l.p.j. from new sp info from 83 f.t. l.p.j. from 83-86/90 job S

8072 8085 8073 8086 8273 8286 8074 8087 8274 8287 8075 8088 8076 8089 8276 8289 8077 8090 8131 8097 8078 8091 8079 8092 8080 8093 8081

wdk for other/self longest prior job, H wdk for other/self longest prior job, Sp occ longest prior job, H occ longest prior job, Sp occ longest prior job, H (80 code) occ longest prior job, Sp (80 code) ind longest prior job, H ind longest prior job, Sp ind longest prior job, H (80 code) ind longest prior job, Sp (80 code) when started longest prior job, H (beware J codes) when started longest prior job, Sp (beware J codes) when left longest prior job, H (include R46c and R47c) when left longest prior job, Sp (include R46c and R47c) imp lower bound for 8076, H imp lower bound for 8089, Sp how much made when left longest prior job, H (include R46d and R47d) how much made when left longest prior job, Sp (include R46d and R47d) per for how much made, R per for how much made, R when expect to start working, nw, h when expect to start working, nw, Sp when expect to start pt, ft+nw, h when expect to start pt, ft+nw, Sp when stop working full-time, h when stop working full-time, Sp when stop working altogether, h

8094

when stop working altogether, Sp

--------------------------------------------------------------------------------------------------------------------------------------------------------VI. EDITING INSTRUCTIONS -----------------------1989 SURVEY OF CONSUMER FINANCES REVISED EDITING INSTRUCTIONS GENERAL EDITING INSTRUCTIONS Recording 1. Editors must write in the interviews in GREEN pencil only. Check editors must use RED pencil only. The Editing Supervisors must use red pencil and must initial all decisions they make. Never erase an interviewer's entries. Instead, delete them by circling them out. The interviewer's entries must always remain readable even after deletion. Editing marks may be erased if editing changes are made. When it is necessary to move a response from one part of the interview to another, circle the item out, and enter it in the new place. Be sure to place a note at the old place stating where the item was moved to and why. Add another note at the new place stating where the item was moved from. Explanatory notes should also be made (in addition to item 3 above) whenever a decision is made which might not be apparent to someone reviewing the interview. THE REASON FOR YOUR EDITING SHOULD BE MADE CLEAR. Edit a response NA (NOT ASCERTAINED) whenever: a. b. The Golden Rule 6. A question was skipped which should have been asked. R refused to answer a question and there is no 'REFUSED' box.

Deleting Items

2.

Moving Items

3.

Explanatory Notes

4.

Missing Responses (NA's)

5.

Control Questions

7.

READ ALL MARGINAL NOTES and the THUMBNAIL SKETCH (on the back page) and utilize the information contained in them in your editing. If any information from them will be lost due to following the editing instructions, or if it contradicts other information, or you do not know how to incorporate it, see the Editing Supervisor. WE DO NOT WANT TO LOSE ANY IMPORTANT INFORMATION CONTAINED IN MARGINAL NOTES. MAKE SURE CONTROL QUESTIONS ARE CHECKED

a.

If a control question was left blank but the questions contingent upon it were answered, you can edit the control question to agree with the contingent Q's. If a control question was left blank and the questions contingent upon it were also left blank, the control question should be NA'd, unless the I'wer has circled or underlined a skip instruction at the control Q indicating which box was meant. Then the appropriate control box may be edited in. If, however, the control question was checked and the series of questions contingent upon it were left blank, the control question should be left as is and the contingent questions that follow should be NA'd.

b.

c.

Ranges and Rounding

8.

If a range is given, circle it out and edit it to the midpoint, rounding when necessary to the nearest whole number. If the midpoint should be halfway between two whole numbers, edit it to the odd number. Whenever CARD B was used, the I'wer should have recorded a letter; edit in the appropriate numeric code for that category from the Card B code below next to the I'wers letter. Watch for dollar ranges in which the I'wer recorded the dollar ranges from CARD B rather than the corresponding letter. These will be characterized by dollar ranges where the first number ends in 01 and the range reads the same as on CARD B. Edit these as though the letters C-J were given. Do not, however, assume that the ranges "Less than $500" or "$500-$1000" are the same as "A" & "B" on CARD B. Edit these normally. If 2 letters are given as a range (e.g., "C-D"), edit these to the number on the lower end of the range for the second letter given ("2,501" for the above example is the lower end of the "D" range). CARD B CODES IW'ERS LETTER A B C D E F G H I J INDICATED RANGE LESS THAN $500 $500-$1,000 $1,001-$2,500* $2,501-$10,000* $10,001-$50,000* $50,001-$250,000* $250,001-$1 MILLION* $1 MILLION-$10 MILLION* $11 MILLION-$100 MILLION* MORE THAN $100 MILLION* CODE 9-980 9-981 9-982 9-983 9-984 9-985 9-986 9-987 9-988 9-989

Card B

9.

* If these ranges are found, you can assume the R gave

the range from CARD B instead of the letter, and edit to the CODE specified above. Modified Amounts 10. Do not make adjustments to qualified amounts such as "a little more," "over $X". Do, however, use the special codes listed below for the following: "over 1 million" "over 10 million" "only a little"; "not much" Cents Recorded 11. = = = 1,111,111 11,111,111 00 000 001

If dollars and cents are recorded in amount fields OTHER THAN HOURLY WAGES, circle out the cents portion. However, if you are using such a number for calculations, use the cents. When an editor makes a decision with the help of an editing supervisor or a study director, he/she should record the initials of the person who helped them next to the explanatory note. The purpose of the "Problem Sheet" is to provide a more complete description of certain types of problem cases. The information will be used to review decisions made, to provide additional data for the imputation process, and to give a more complete picture of the case than the data alone allows. These sheets should be filled out in all the following circumstances: a. Whenever there are marginal notes or other volunteered information that is not captured in the editing/coding, especially dollar amounts and including responses to questions that Interviewers asked in error. When a decision has been made that was somewhat arbitrary and could have been made another way using the information provided. In these cases, all information relevant to the decision should be recorded. Wherever specifically instructed to do so in the Edit Instructions. When requested to do so by the Editing Supervisor. When an item must be NA'd because only "partial" information is known, record the "partial" information which would otherwise be lost. When significant detail is volunteered about assets or debts in "mop-up" questions which will not otherwise be incorporated into the data.

Supervisor's Decisions

12.

Editors' Problem 13. Case Summary Sheet

b.

c. d. e.

f.

g.

When certain "wide" ranges are edited to their midpoints they should also be recorded. These "wide" ranges are whenever: THE TOP OF THE RANGE IS... UNDER 100,000 100,000-1,000,000 OVER 1,000,000 AND THE RANGE WIDTH IS AT LEAST... 10,000 or more 100,000 or more 1,000,000 or more

Problem Sheets should be written in BLACK PENCIL or INK. Complicated or complex marginal notes and problems can be xeroxed and attached. They should be left in the Interview and removed by the check-editor. Double Counting 14. Editors need to be continually on the lookout for instances where the respondent has reported the same information twice. In many cases, a marginal note from the I'wer will signal double-counting; if the note is clear, edit accordingly; if it is not so clear, you will have to use your best judgment and, if necessary, see the Editing Supervisor. In all cases, where a marginal note leaves significant doubt about whether or not an amount is double-counted, put it on a Problem Sheet, whether your best judgment has led you to edit it out or not. In some cases, you will suspect double-counting only because the same amount occurs in two different places. If the number is a simple, whole amount (such as $2,000), you will only be able to suspect, but do nothing. If, however, the number is precise (say, $2,212, or better yet, $2,212.48), you may (depending on the circumstances) have clear evidence for doublecounting. See the Editing Supervisor if it is not certain. The question-by-question instructions that follow will include specific instructions where double-counting is likely to occur and should be watched for, so be especially alert in these places. In some cases where double-counting is found, data will be removed from one location; in other cases, the double counting will be allowed to stay in both places. Cases of special note follow: Section M: (M12-M12b) Section R: (R52-R52d) A debt owed by R or other PEU member to a family business listed at M12-M12b can also be reported at H4-H14. Amounts listed as cash settlements at R52c can be double-counted in other sections. If the cash settlement is the source of funds, they may be validly double-counted as investments or holdings in accounts.

Section Y: (Y33-Y40b)

Information that appears in Section Y as assets or debts of Financially Independent household members and in the other sections of the I'w will be removed from the other sections and left in Y33-Y40b, with the exception of the data on R's home (Y39-Y39c). Assets that appear in Section X and also in earlier sections may be left in both places, since Section X refers to the source of the assets, and the earlier sections about how it's currently held. Income amounts that are reported in other places in the interview and in Section T should be left in both places. Section T asks for all income and stands independently of the other sections except where noted.

Section X:

Section T:

General Rule for Splitting Items

15.

If it is necessary to split $ amounts in order to move only a part of a debt, income, or asset to either a different place in the Interview or out of the interview, one should use all available evidence and common sense to decide on the proportions. If no evidence at all is available, you should split the amount(s) in equal parts. IN ALL UNCLEAR CASES, however, you must get the help and advice of the Editing Supervisor or have the Editing Supervisor review the procedure you used and you must write it on a Problem Sheet. The information about financially independent adults living in the HU is to be edited out of all sections except the HHL and: a. b. Section Y, where their assets and debts are recorded. M9b, where they can legitimately be recorded as working in R/S's business. When adding or deleting columns to or from a grid be sure the checkpoints at the bottom of the grid are edited to reflect the changes made; also change the #'s in the phrase "ONLY ___ LOANS (SAVINGS ACCTS, etc.)" so they agree. After editing out columns, renumber the remaining columns by circling out the #'s in the column headings. If an item is edited out of a full grid, thus creating an empty column, and there is information entered in the following mop-up Q's, move it forward into the empty column.

Financially Independent Adults

16.

Editing Grids

17.

a.

b.

c.

d.

If amounts from the "mop-up" questions following a grid must be entered into a grid column and the amount in the mop-up Q is a lump sum of more than one item, split the amount proportionately. If unclear how to split, see the Editing Supervisor. In any case, write up what you did on a Problem Sheet. After all deletions or additions to a grid take care to edit the control # entered in the box before the grid to the correct new total # of items (i.e., after editing a "tractor" out of the vehicle grid, which also contains a car and pick-up truck, be sure to edit the control box at G25a to "2").

e.

"Partners"

18.

For the purposes of this study, a "Partner" is assumed to play the same financial role in a P.E.U. as does a "Spouse" and, for this reason, "Partners" are handled in the Interview exactly the same as "Spouses." If you, however, think you have found evidence that an Interviewer did not treat a "Partner" the same or that a particular "Partner" might be better considered (financially) a "Friend" or "Roommate", bring the problem to the attention of the Editing Supervisor and write them on a Problem Sheet. If confidential information (such as names, names of businesses, etc.) is found in the interview or in the TN, you should blot it out with a black pen. If information would be lost because of this, edit nonidentifying information in to replace it in green pencil (i.e., if the name of R's business is written in the TN, blacken it out and write in "R's business"). If a marginal note indicates that a Mortgage or Reg. Installment payment reported is not the payment amount agreed on (for example, if R is "prepaying" on a loan), edit the payment to the payment amount formally agreed to (or NA it if that amount is not known) and write it and the amount actually being paid on a Problem Sheet. In the grid in Section A, R is asked to enter information on the financial institution he/she does business with in columns labelled "INSTITUTION #1-#6". In later grids at Q's D36, D51, D53h, D64, D74, E33, G22, G38, H14, N4, N19 and N24, these "INSTITUTIONS" are referred to in code boxes 01-06. In these Q's only one box should be checked in each column of the grid. If more than one is checked you should edit it to one using the following rules: a. If category 1-6 and category 11-97 are checked, edit it to only category 1-6 if, on checking at A6, it is found that category 1-6 is the same type of financial institution as category 11-97.

Confidential Info

19.

Loan/Mortgage Payments

20.

Checking Type of Financial Inst.

21.

b.

If they are found to be different types, or more than one of category 11-97 boxes are checked, see the Editing Supervisor.

IF "FINANCIAL INST" Q IS "CHECK ALL THAT APPLY" However, at D68b, N13, N22c, N40c and N45 the instructions in the questions are to "(CHECK ALL THAT APPLY)". For these you should ONLY make sure that the number of items mentioned at the beginning of the sequence is not LESS THAN the number of institutions checked. If they are, then see the Editing Supervisor, unless rule a. above applies. Edit Fractional Years 22. At various places in the Interview (D30, D45, D58, E9, E25, G16, G32, H8) R is asked to respond with ___# YRS or ___# PYMTS. If the responses to any of these is a fractional number of years in the # YRS blank (e.g., "1-1/2" YRS), these should be edited out of the # YRS blank and the corresponding number of payments should be computed and edited into the # PYMTS blank, as per the following: a. At D30, E9 and E25 the Q just before or following specifies the frequency with which the payments are made (i.e., $___ PER ___) and the number of payments would be computed from that (e.g., if "1-1/2 YEARS" paid PER "QUARTER" to "6" # PYMTS). For the rest, the # of payments should be computed assuming one payment per month (e.g., "1-1/2" YRS = "18" # PYMTS). If any marginal notes or information should indicate that some other "regular" frequency of payments is reported than the frequency formally agreed on (because the loan is being prepaid, for instance), then use the frequency agreed upon to compute the # of payments and it should also be noted on the Problem Sheet.

b.

c.

$___ PER ___

23.

Throughout this interview, dollar amounts are asked for as $___ PER___ where the PER frequency is left optional for the R. These are coded in two variables and the "PER" variable contains codes for "WEEK", "BIWEEKLY", "MONTH", "QUARTER", "YEAR" and "Other-MAKE A CARD" and, in addition, "DAY" when wages are asked for. Thus, THERE IS NO REASON FOR YOU TO EDIT THESE UNLESS SPECIALLY INSTRUCTED, even if the Q asks for an answer in a different time period than the R answers in (e.g., N49j asks for "yearly premium"; you should not edit a response of $"20" PER "MONTH"). If, however, the time period is specified in the format (e.g., $___ PER MONTH), you should edit a response in any other time period to a response

$___ PER MONTH

consistent with the time period specified in the format (e.g., at H9 a response of $"20" PER "week" should be edited to $"86" PER MONTH). Grid Control Boxes 24. At the beginning of most of the grids in the interview (at D53, E2a, E15, G2, G7a, G25a, H3, M5, N3, N16a, N23a, R18, R51a, R52a, R53a and X2) are large boxes which function as CONTROL BOXES for the grid. The number in the box should be equal to or greater than the number of items recorded in the grid. a. If the grid does not have a set of "mop-up" questions at the end of it, in which more than one item may be lumped, then the number in the grid will match or be greater than the number of items entered in the columns of the grid. If the grid does have a set of "mop-up" questions at the end, then the number in the box must be at least as large as the number of columns in the grid plus the number known to be in the mop-up questions. If you edit items into or out of a grid, you must edit the control box for it, to keep it consistent with the grid and mop-up questions.

b.

c.

Gift/Inheritance Boxes

25.

Throughout the interview (at D15b, d & f, D20, E20, E36b and E37a), when the value of an asset is asked, a "GIFT/INHERITANCE" box is included. Whenever you encounter one of these and marginal notes or information says that the asset, or part of the asset, was a gift or inheritance, you should: a. b. c. Make sure the box is checked. Make sure the value given was the value of the asset when it was received. If an asset was received as a gift or inheritance in parts, at different times, see the Editing Supervisor.

Business Debts and Assets

26.

In Sections G, H, N and at E1-E13b you are instructed to edit out "business" debt or assets in order not to double-count them, as they are assumed to be included in Section M. Whenever so instructed, we mean "business" debts and assets to be defined as follows: a. The "business" is a business that R or some other PEU member owns or has an interest in which is included in Section M as an active or passive business. If R or a PEU member does self-employed work but does not consider it to constitute a "business" (and does not list it in Section M), then any

income producing assets they use or debt they incur for it are "personal" asset and debt and should be left in. An example of this would be an R who owns a tow truck (which he still owes money on) to do parttime towing, but does not consider that he has a business, so answers M3 "NO". You would leave his tow truck in the Section G grid. b. The "business asset" should be owned "in the name of" the business rather than being owned as a "personal" asset by the PEU. Likewise, the business should be liable for the debt rather than the PEU. Thus, if R borrows money for his business in his name and he is liable for it, it is not "business debt." Also, if R's business owns an asset (like a car), but R uses it, it is a "business asset." NOTE: Solely owned proprietorships (see M9d) are particular problems and in general you should consult the Editing Supervisor if you encounter "business" debt or assets for a solely owned proprietorship outside of Section M.

ABBREVIATIONS USED IN EDITING DU EU Ed. Sup. FU HU Inap. I'er IND Dwelling Unit = HU Housing Unit Economic Unit Editing Supervisor Family Unit Housing Unit Inap.plicable Unit Interviewer Industry I'w Mtg NA OCC PEU Pmt R S Interview Mortgage Not Ascertained Occupation Primary Economic Unit Payment Respondent Spouse

USEFUL DEFINITIONS 1. HOUSING UNIT (HU): a. b. c. d. e. A one-family house or half of a two-family house, or An apartment or flat in an apartment house or other building, or A trailer or mobile home (as long as it has cooking facilities), or Living quarters in back of stores, over garages, etc., or A rooming house.

We do not sample institutions such as old people's homes, sanitariums, convents, military bases, dormitories, etc., which contain ten or more unrelated families.

2.

FAMILY UNIT (FU): A Family Unit is a group of persons living in the same Housing Unit who are related to each other by blood, marriage, or adoption. Couples who are living as married are treated as if they were married. PRIMARY ECONOMIC UNIT (PEU): The members of the FU that includes the Respondent, who are Financially Dependent upon the R. For our purposes, the PEU consists of all the people listed in the HH Listing Box who are not checked "INDEP" in Column F. LISTING BOX -- P. 1, HHL1-HHL5

3.

FS TN

INITIAL THE INTERVIEW AT THE TOP LEFT OF FACESHEET READ THE THUMBNAIL ON LAST PAGE AND Y41 FOR ADDITIONAL INFORMATION AND TO LOCATE TROUBLE SPOTS IN THE INTERVIEW. UNDERLINE USEFUL INFORMATION IN GREEN. CHECK WHETHER THE INTERVIEW SHOULD HAVE BEEN TAKEN. an interview taken: 1. If you find

HHL BOX

where the current PEU did not live in the HU at the time the I'wer first went to the HU (except for the list 'SPEC' sample). where the R is not a member of the PEU. at a place which does not fit our definition of a HU (except for the list 'SPEC' sample). The decision whether to accept

2. 3.

Take it to the Editing Supervisor. it or not will be made elsewhere. HHL BOX

CHECK THE LISTING BOX AND EDIT OUT NON-HU MEMBERS 1. The listing box should contain all persons living in the housing unit at the time the interviewer first had contact with the household. It should not include visitors or persons who are not currently living in the HU. Edit out non-HU members (by circling in green) and writing an explanatory note. Use information from the HHL as well as the rest of the Interview and the TN. In cases where the situation is complex, the final test is whether or not the person could have, theoretically speaking, been interviewed somewhere else at the time that the interviewer CALLED ON THE HU for the first time. In order to ascertain the date of the interviewer's first call it is necessary to obtain this information from the Cover Sheet in the Field Control Office. See a Check Editor or Supervisor for this. As much as possible, the judgment of the Interviewer should be maintained. If it is unclear if a person should be included or not and the Interviewer has included them (and thus their

2. 3.

financial information), then usually we should include them. Likewise, if it would mean NA'ing a lot of data because the Interviewer did not not include them, then we shouldn't. 4. If you edit anyone out of the HHL any financial information for the You should take any such cases to you must write it up on a Problem box you must also edit out person from the interview. the Editing Supervisor and Sheet.

5.

If you edit any children of R, Spouse or Partner out of the Listing Box you must edit them into Y5-Y5b (the number of children of R and Spouse/Partner living elsewhere).

HHL COL C

PRECODE R AND S/P's DOB, COMPUTED AND IMPUTED AGES 1. Transfer R's (Y3 on p.107) and Spouse/Partner's (Y19 on p.114) Date of Birth to the "DOB" blanks in the large boxed stamp under the U of M seal on the I'w facesheet. Compute R's and S/P's ages at the time of the Interview from their Date of Births and enter them in the "COMP" age boxes in the large boxed stamp on the facesheet. a. Use the Date of IW" at 3 on the facesheet to compute these ages. If more than one date is entered there, use the earliest. If birth year is NA or DK, code COMP AGE '99'.

2.

b. 3.

Check the Computed "COMP" ages for R and S/P against their reputed ages in Column C of the HHL box and: a. If they are both the same or there is only a one or two year difference between them, enter the "COMP" age in the "IMPUT" (imputed) age boxes next to the "COMP" age boxes on the facesheet. If there is more than a two year difference between the computed ages in the "COMP" boxes and the reputed ages in COL C of the HHL box, then: 1) Try to reconcile the difference using all available information (specified below) and, if you can, enter that imputed age in the "IMPUT" age boxes. However, if other information leaves doubt as to what R's or S/P's "correct" age should be, then: 2) Enter the mid-point of the computed age and the reputed age in the imputed age boxes.

b.

LOCATIONS OF AGE RELATED INFO R45-R45k: S45-S45k: R46-R46k: "Work History" -- R " " -- S " " -- R

S46-S46k: R47-R47k: S47-S47k: R50e: Y5-Y5b: Y7-Y13a: Y22-Y22g: TN: HHL COL D

" " -- S " " -- R " " -- S Social Security Payments # Children Marriage History Spouse's Marriage History General Info

CHECK MARITAL STATUS AND MOVE SPOUSE/PARTNER TO LINE 2: 1. Check that the marital status for R and Spouse/Partner is the same -- either both married or both living with a partner (M or P). If there are any discrepancies, bring them to the attention of a supervisor. If R reports "married", but is not currently living with his/her spouse, edit the spouse out of the listing box (if listed) and code R as either '7' or '8' as per the code below, by printing "7" or "8" next to "M" in Col. D. These cases must be entered on a Problem Sheet. ABSENT SPOUSE CODE: 7. Spouse is institutionalized or otherwise not eligible to be sampled (out of U.S., living on military base, in nursing home, in prison, etc.) Other non-resident spouses, including those living elsewhere because of job; moved and R will follow later; "commuter marriage," etc.

2.

8.

You should then: a. Edit the Interview with the debts, assets and income of the missing spouse being included or not being included depending on how the Interviewer conducted the interview; i.e., if the Interviewer included them, then leave them included; if the Interviewer excluded them, then exclude them while editing. Pre-code the "appropriate" absent spouse code, specifying whether or not the missing spouse's financial information has been included in Sections AX nor not, in the upper left corner of page 1 using the code below: ABSENT SPOUSE PRECODE: 1. 5. The absent spouse's financial information is included in Sections A-X. The absent spouse's financial information is not included in Sections A-X.

b.

c.

If there is a Spouse Booklet for the missing Spouse, leave it in and edit it. If there is not a Spouse Booklet, you should get a blank Spouse Booklet and edit in as much information as you have. Edit CHECKPOINTS at R49, Y7 and Y16 to include the missing Spouse. not listed on the second line, giving the spouse/partner #2. Draw line 2 indicating that the entered on Line 2. "NM" means

d. 3.

If the spouse/partner is renumber the HH members, an arrow from the S/P to spouse/partner should be

4. 5.

NOTE: "S" means "Separated" (not "single"). "Never Married."

If a child/stepchild of R/S is over 18 and marital status is not marked, code it 'NA'.

HHL COL E

PRECODE RESIDENT STATUS Read over any marginal notes and use the following code for each person in the HHL box. RESIDENT STATUS CODE 1. An adult or child who is marked "YES" in COL E or a person not marked in COL E who has no marginal notes indicating any irregularities. A person who is a child under 18 who lives at this HU for only part of the year (e.g. joint custody; "summers spent with R, school year with spouse"). R's or S's child/grandchild 18 or over who goes away to school for part of the year. Another adult who lives at this HU only part of the year (e.g., R's parent who lives with R for 6 months and with another relative for 6 months); living here temporarily. "NO" is marked in COL E and no explanation given. Some other situation, not codeable above, e.g., a foster child when COL E is left unmarked and there is no indication how it is to be marked.

2.

3. 4.

5. MAKE CARD 9.

For codes 2-4 and 7, circle out the YES or NO response and enter the new code in the middle of COL. E (between the 'S' and the '5'). For codes '1' and '5', underline the "1" or "5" in green. HHL COL F PRECODE THE ECONOMIC UNIT Code the "economic unit" to which each person in the listing box

belongs. Enter the code to the left of the center bar of COL. F, under 'FINANC DEPEND'. Use the following code; R is always coded '1'. E.U. CODE 1. THE PRIMARY ECONOMIC UNIT always contains R, R's Spouse/Partner and their children under 18. In addition, it contains their children 18-22 not marked INDEPENDENT as well as all others listed who are marked FINANCIALLY DEPENDENT. It also includes anyone not marked in COL F for whom there is no evidence to indicate that they are FINANCIALLY INDEPEND. THE SECONDARY ECONOMIC UNIT contains the first FINANCIALLY INDEPENDENT adult listed and any other adult or child who are financially dependent on that person, such as a the the independent person's spouse or their children. THE THIRD ECONOMIC UNIT contains the next FINANCIALLY INDEPENDENT person and persons clearly dependent on them. OTHER ECONOMIC UNITS are identified and numbered consecutively (4-7). If it is unclear whether a person is FINANCIALLY DEPENDENT or INDEPENDENT or which EU a person should be a member of, see the Editing Supervisor. EU MEMBERS FINANCIAL INFO IN WRONG PLACE The debts, assets and income of all PEU members (coded 1) should be included in Sections A-X and none of them should be included in Y33-Y43. Likewise, all persons not in the PEU (i.e., in 2nd, 3rd, etc. EU) should have their finances reported in Y33-Y40b and should not be reported in Sections A-X (with the exception of house value and mortgage information to be explained later). Thus, if you edit anyone into or out of the PEU or you find any evidence that anyone's finances are reported in the wrong place, you must edit them to agree with the HHL box and it should be entered on a Problem Sheet. If there are any doubts concerning this issue, you should bring the Interview to the Editing Supervisor. If any Spouse or Partner is marked "FINANC INDEP": 1. If it is a partner marked "INDEP" and their finances are clearly reported in Y33-Y43 and not in Sections A-X the "partner" should be edited to "friend" in the HHL box. If their finances are included in Sects. A-X and not in Y33/Y43, edit COL F of the HHL box to 'FINANC DEPEND'. If it is a spouse marked "INDEP", COL F should be edited to "FINANC DEPEN". In either of the above cases, the Interview should be taken to the Editing Supervisor and a Problem Sheet written up.

2.

3.

PARTNER OR SPOUSE MARKED INDEP.

2.

UNDER 22 MARKED INDEP

If a person under 22 years old is marked "INDEP": 1. 2. If it is clear that their finances are reported in Y33-Y43 and not in Sections A-X, leave things as they are. If their finances have not been included in Y33-Y43, but instead in Sections A-X, edit them to "FINANC DEPEND".

SECTION A: A5, A5M

ATTITUDES AND FINANCIAL INSTITUTIONS

Check that the number entered at A5 agrees with the number entered in the box at A5m. If it does not, see the Editing Supervisor. Edit the # INST entered in the box at A5m is equal to or greater than the number of Institutions recorded in A6-A9 for Columns #1#6. If R reports more than 6 institutions, the number in this box may be greater than 6 even though only 6 institutions will be listed in the grid. FINANCIAL INSTITUTIONS GRID 1. Columns should be neither added to this grid nor deleted. If, however, more than six institutions are entered in the columns, edit those beyond six out. There should only be six institutions listed in the columns. See the Editing Supervisor if there is any confusion here concerning which institution R regarded as #1, #2, etc.

A5m

A6-A9

A6

Edit "OTHER INSTITUTION TYPE" Questions. If no box is checked in a column at A6, but instead the type is written in the "OTHER" box, edit the written response to category 11-14 or 16 if it is quite clear that the institution type in the written response is consistent with the type of institution in category 11-14 or 16. Check for Banks Less Than or Over 50 Miles Away. If a distance of less than one or over 50 miles is written in the "MILES" blank in any column for A8, edit it out and check box 96 or 51.

A8

SECTION B: B6-B10

ATTITUDES TOWARD CREDIT/CREDIT CARDS

CREDIT CARD GRID 1. If R does not know how many cards of a particular type other family members have, or the balance on those cards, the interviewer is instructed to make a marginal note. Enter this information on a Problem Sheet. Edit out all credit cards in the name of a business

2.

(including businesses that the PEU has an interest). Do not, however, edit out credit cards in R's or PEU members' names but which may be used for business. 3. Check Column E credit card type. If it is clear that a credit card listed in COL E really belongs in one of the other columns, edit the information into its proper location. Most commonly a store credit card will have been entered here and should be edited to COL B. a. Telephone credit cards should be left, or included, in COL E.

B6,B10 COL A

Check the Number of Financial Institutions against the Number of Bank-Type Cards. If there are more institutions checked at B10 than the # of accounts entered at B6, see the Editing Supervisor.

SECTION D: HOUSING STATUS (D1-D22) D1 1. Check that the correct sequence was followed at interviewer checkpoint. Check ZZ2 and D16 to help in identifying problems. See farm guidelines, p. 24.

2. D4

Edit # acres to percent by dividing the # acres in D4 or D8 by the # acres in D2. Round to two decimal points. 100% is allowable if given by R (even though R lives on part of it). OWNERSHIP STATUS OF FARM/RANCH 1. Check that R's who live on farms or ranches have gone through the own/rent sequence appropriately. Look for marginal notes that explain any unusual situations, and bring these to the attention of the supervisor if the sequence marked does not appear to incorporate all information. If PEU are share croppers or tenant farmers: A share cropper does not own the farm but uses the farm and pays rent in the form of a share of the crops to the owner. A tenant farmer rents his farm and pays rent in cash. For people in these classifications, make sure the "RENTS" box is checked at D5. Check the rent amount given at D17; if it is given as a dollar amount, leave it as is. If R "doesn't know", edit it to 9,999,996. In either case, write it on the Problem Sheet if the rent, or part of the rent, is not paid in money. If the "OTHER" box at D5 is marked, examine the response to see if it should be edited to boxes 1-4 only if the proper

D5

2.

3.

skips have been followed. If the response should remain in the 'OTHER' box, write it on a Problem Sheet. D5c D8 Edit as per D19 below. Edit the # ACRES to PERCENT as per D4. January 12, 1990 FARM EDIT GUIDELINES We have arrived at a set of guidelines for handling farms that we think will be fairly clear in most cases. The guidelines are: For farm owners and operators: 1. All property of the farm, whether adjacent or not, as long as it is reported as a single business, will be included in the D section. D2 should contain all the acreage of the farm; D5d (or D10) will contain the value of all the land of the farm that the PEU owns; and D20 should be the total cost of all the property of the farm. Frequently farmland that is not adjacent to the land the home is located on is reported in section E. Such property and any associated debt should be moved from the E section to the appropriate section D sequences. The above assumes that the PEU actively manages a farming business that is reported in the M5-M18 sequence. The amounts in M14, M15, and M18 will contain the following: M14 The total current value of all the farmland plus the house and immediately surrounding land plus any tools, implements, or stock. The amount that was paid for all of the above. The amount at M14 minus any debt on the farmland or the farm business.

2.

3.

M15 M18

In all cases these items will need to be checked by the Editing Supervisor. For all cases that do not fit the situations outlined above, see the Editing Supervisor. D11,D11e MOBILE HOMES: 1. Look for marginal notes that explain any unusual situations, and bring these to the attention of the supervisor if the sequence marked does not incorporate all relevant information. Write such cases on a Problem Sheet. If "NEITHER OWNS NOR RENTS" is marked, examine the responses

2.

to see if R owns any part of the site or mobile home. If so, edit D11 and follow-up questions appropriately to agree with the information you have. If there is any uncertainty about how to code D11, see the Editing Supervisor.

D16-D16b

HOUSE/APARTMENT/FARMHOUSE OWNERSHIP STATUS: 1. Look for marginal notes that explain any unusual situations. If the sequence marked does not appear to incorporate all information, bring these to the attention of the Editing Supervisor. Write up any problem cases on a Problem Sheet. If R mentions Homeowners' Association at D16, edit it to '5. TOWNHOUSE ASSOC.' a. If notes make it clear that the fees are not paid or that they are paid but are optional or for recreational purposes only, edit D16 to OWNS OR IS BUYING and edit D16a to ALL OTHERS. OTHERWISE, edit D16 to TOWNHOUSE ASSOC. and D16b to the fees given (NA them if the amount is not given).

2.

b. 3. 4. 5.

If the home is owned wholly or partly by a business owned by the PEU (in Section M), see the Editing Supervisor. If "R LIVES IN MULTIPLE HU STRUCTURE" is checked at D16a, check the responses to D18 and D18a. If "NEITHER OWNS NOR RENTS" is checked, read the explanation given at D16c and check that the correct sequence was taken. a. If it appears that R owns any part of his/her home, edit D16 to "OWNS OR IS BUYING" and edit the follow-up questions appropriately, using all the information given. If there is any uncertainty, see the Editing Supervisor and write any problem cases on the Problem Sheet. If R's housing is fully subsidized by the government, including military personnel, edit D16 to "PAYS RENT". DEFINITIONS

b.

1.

NEITHER OWNS NOR RENTS are those who: a. b. c. receive rent as part of their pay have sold the house in which they live, have not moved out as yet, but pay no rent who receive housing as a gift from someone outside the HU.

2.

IF BOTH "OWNS" AND "RENTS" BOXES ARE CHECKED, a correction must be made. For example:

a.

when someone rents the dwelling they live in now, but owns a home somewhere else, it is the residence currently occupied that is wanted here, and they should be considered a renter. The home they own is real estate which should be counted at E15. If someone rents their home now but has built or bought, or is building, a home into which they are about to move, only the RENT box should be checked.

b.

3.

WHEREVER R IS CURRENTLY LIVING IS WHAT SHOULD BE RECORDED. If you find someone reporting on a residence which they are not currently living in, take it to the Editing Supervisor. A Problem Sheet will have to be written up.

D17-D17c

IF PEU PAYS RENT: 1. If R pays for both room and board, edit out the amount paid for board. If the amount paid is not known, assume half of what is paid is rent. If this seems unreasonable, see the Editing Supervisor. We want the rent most recently paid (or due). For example, if "the rent was just raised to $275, but when the rent was paid last it was $260," edit it to $260 per month. If R mentions several different rents paid over the past year and gives an average, edit to the rent last paid (or due). If the rent is shared with other EU's, edit D17 to the PEU's share only. If several "Independent Adult" roommates share the rent with R and the proportions are unknown, split the total rent equally among them and edit D17 to R's share. If the situation is more complex, see the Editing Supervisor. If all of R's rent is subsidized by a governmental unit, edit D17 to '9 999 995' and NA D17a and D17b if they have been left blank. Check T1k&n to make sure that the value of the subsidized rent is included in those income amounts. If it isn't, edit it at T1k or T1n as per instructions there. FOR TENANT FARMERS & SHARECROPPERS -- see D5. If

2.

3.

4.

5. D17a

Water is not assumed to be a utility for purposes of D17a. "Yes, water" or "only water," edit the response to "NO"

D17b

If only stove and/or refrigerator are provided, edit D17b to "UNFURNISHED" if it is not already so marked. If R "lived here before," moved out and then moved back, edit D17c to date R moved back this time. If R lived in another apartment in this building or project before moving to this apartment, edit

D17c

D17c to date R moved to this apartment. D18, D18a Look for marginal notes here explaining any unusual situations. If it is unclear how such information should be coded, see the Editing Supervisor. Write it up on a Problem Sheet if there are any unusual or confusing situations. Check ZZ2 for clarification. FOR HOME (FARM) OWNERS: 1. The house value at D19 should include the part R owns. farmers this includes the house, farm buildings, and contiguous farm land. For

D19

2. 3.

If R says they have been offered $80,000 but wouldn't take less than $100,000, code the midpoint. If R has been offered more than the actual value of the property ("I've been offered $50,000, but it's actually worth only $30,000"), code the amount offered. If R mentions only the TAX assessed value edit it to "9,999,996" and put it and the tax assessed value on the Problem Sheet. If part of the house is owned by persons with independent finances, the whole value of the house should be at D19-D22 as long as 100% of the house is owned by HU members. If others outside the HU own part of the house, only the part owned by HU members should be in D19-D22. The value of the HU's share should be at Y39b & Y39c as well, if relevant.

4.

5.

D20

If R bought a house furnished, do not attempt to separate out the value of the furnishings. DATE OF PURCHASE: 1. In cases where multiple dates are given at D21 (purchase date, the house occupancy date, and/or the date of the mortgage), edit in the date as per the following priorities: 1st Priority: 2nd Priority: 3rd Priority: The purchase (closing) date of the house The date of the mortgage on the house The date moved in

D21

Record the uncoded dates on the Problem Sheet. If the purchase date of the land is given, edit it out. 2. If the house was purchased/inherited/built in increments, edit it to the priorities above for the earliest increment

of the house itself (not incl. land purchases). 3. 4. If farmers bought their farm in increments, use the date the house was purchased/built. If the house was inherited (the GIFT/INHERITANCE box at D20 is checked), this date should be the date inherited.

D22

Add land and house taxes together if they are given separately. If the period of taxes is not given, write in "YEAR."

SECTION D: HOME MORTGAGES AND OTHER HOME LOANS (D23-D53) D23 If R reports both "YES, MORTGAGE" and "YES, LAND CONTRACT" at D23, check the grid to make sure that at least two columns of the grid have been filled out. If they have, edit D23 to "YES, MORTGAGE" and follow that sequence. If at least two columns of the mortgage grid have not been filled out, see the Editing Supervisor. THE MORTGAGE GRID 1. Be on the lookout for any unusual or confusing mortgage arrangements which may be problems. Take them to the Editing Supervisor and, if necessary, write them up on the Problem Sheet. Mortgages reported in this grid should always be left in unless it is clear: a. b. that it is not the home the PEU is currently living in (move these debts to E15-E34, "Other Property"); the home the PEU is currently living in is not collateral for the mortgage (these may be moved to D41-D51 or D54-D64) depending on the purpose of the loan; the PEU is not liable for the mortgage. NOTE: Another exception would be a HOME EQUITY LINE OF CREDIT (see Quick Reference Guide for definition) that was NOT a first mortgage. These should be edited out of COL B or C for D27-D40 or D41-D51 and moved to D53-D53m.

D27-D40a

2.

c. d.

In all these cases see the Editing Supervisor and the case should be written up on the Problem Sheet. 3. If it is discovered that the PEU does not own any of the home and are living rent-free, D16a will have to be edited to NEITHER OWNS NOR RENTS, and Section D re-edited, UNLESS

the owner is an Independent Adult living in the HU. Then the full house value and mortgage should be left in and edited as per item 2 for D28, D29, D31. Be sure, in these cases, that Y39a is "100%". See the Editing Supervisor and write this up on a Problem Sheet. 4. If it is found that the mortgage is partly or wholly assumed or paid for by a business in Section M owned by the PEU, you should see the Editing Supervisor. If marginal notes indicate that the payments change during the life of the mortgage for reasons other than variable interest or balloon payments (which are handled by the grid), see the Editing Supervisor and put it on the Problem Sheet. Examples of these would be "negative amortization" or "graduated payments". Co-ops may have mortgages on the entire building, as well as on the PEU's unit. If you encounter any such as these, edit them to include only PEU's unit.

5.

6.

D27, D28, D30

In the case of assumed mortgages, the data in D27, D28, and D30 should be as of the date that the mortgage was assumed by the PEU, not the date it was originally taken out by the seller. Beware of confusions between "seller-provided" mortgages (where the seller provides the financing for the mortgage and the PEU pays the seller) and "assumed" mortgages where the PEU takes over the payments from the seller. For "seller-provided" mortgages, D27a should be edited to "NO". 1. If the PEU owns the house jointly with others outside the HU, D28, D29 and D31 should be edited to include only the PEU's share. If a split must be made, see the Editing Supervisor. If it is jointly owned with an Independent Adult living in the HU, then the FULL mortgage should be in Section D. Y39 should record the Independent Adult's percentage. The FULL value of the house should be included at both D19 and Y39b and the FULL amount still owed on the mortgage should be included at both D29 and Y39c. In addition, in these cases, the editor should check to insure that D20 includes the FULL purchase price and D22 ALL of the real estate taxes on the home. NOTE: The I'wer Instruction in parens following the Q at D19 does not apply to these cases. If D28, is only include see the Sheet. D29 and D31 are given for an entire building which partly occupied by the PEU, they should be edited to only that part occupied. In these cases you must Editing Supervisor and write the case on the Problem

D27a

D28, D29 D31

2.

3.

D29

If D29 is NA, do NOT compute it from D30 and D31; leave it blank.

D30

1. 2.

If D30 is answered in a fractional # of years, edit it as per the GENERAL INSTRUCTION 22a. If "NO SET #" is checked, check D52-D53k for possible double-counting. If double-counting is found, see the Editing Supervisor.

D36 D37

Edit the Type of Institution at D36 as per GENERAL INSTRUCTION 21. Precode the purpose of the 2nd mortgage at D37 using the LOAN PURPOSE CODE. Check that the D40 and D40a boxes are checked correctly after all editing of this section is finished.

D40, D40a

D41-D51

OTHER HOME LOANS 1. Watch for cases here which have: a. b. HOME EQUITY LINE OF CREDIT loans, which should be in D53-D53m; 2nd and 3rd Mortgages (for which the home is clearly noted as being collateral) which should be in COLUMNS B & C of the D27-D40 mortgage grid; Home improvement loans (purpose clearly stated), for which the home is not collateral, should be in D54D64.

c.

If you think you have found any of these, see the Editing Supervisor. They should be edited to their proper place. If you find such a loan here double-counted with one in D53D53m, the Section H loan grid, or D54-D64, edit it out here and leave it in its proper place. These should be written on the Problem Sheet. 2. If more than one "other" loan is itemized here, leave the largest (in terms of the amount borrowed) here and move any other to the grid at H3-H15 (where they should be coded "01" for loan purpose).

D45

If D45 is answered in a fractional # of years, edit it as per the GENERAL INSTRUCTION 22. Edit the type of institution at D51 as per GENERAL INSTRUCTION 21. Edit the # LINES OF CREDIT entered in the box at D53 to be

D51 D53

consistent with the number recorded in Columns #1-#3 of the grid and D53m as per GENERAL INSTRUCTION 24. D53a-D53h THE HOME EQUITY LINES OF CREDIT (HELC) GRID 1. If a HELC here is double counted in the Mortgage grid at D27-D39, leave it in there if it is the first mortgage; leave it in here if it is not a first mortgage; put it on a Problem Sheet in either case. Check for Credit Cards which may be included or doublecounted here. They should be edited out of this sequence to Section B. If they are double counted, remove them from Section B and put the information on a Problem Sheet. If they can't be separated out of Section B, see the Editing Supervisor. Edit out any business lines of credit found here.

2.

3. D53d

Pre-code the purpose of the loan using the LOAN PURPOSE CODE If the purpose of the loan is coded "10" (to purchase a car), check the "owned vehicle" grid (G8-G23) to see if this loan is double-counted there. a. b. If it clearly is, edit the debt out of the vehicle grid. If it may be, but it is not clear, see the Editing Supervisor. NOTE: A car used for business purposes (but not owned by the business) may be left here.

D53h

Edit the type of institution at D53h as per GENERAL INSTRUCTION 21. If the PEU has more than three HELC, any money owed on these surplus lines will be entered at D53m. If marginal notes should include more information on one or more of them than just the amount owed, move it to the loan grid at H1-H15, if there is an available empty column. If the purpose of the loan is not specified, you will have to precode loan purpose NA. SECTION D: ADDITIONS AND REPAIRS AND LINES OF CREDIT (D54-D76)

D53m

D54-D54a

ADDITIONS AND IMPROVEMENTS 1. Check marginal notes to make sure R has not failed to include an addition such as "landscaping", "built a garage", or some other exterior addition which he/she thought should not be included but which is an addition. If you find such

cases, bring them to the Editing Supervisor. 2. Additions on farms and businesses should be edited out. But additions on the farmhouse, or that part of a business which contains the PEU's home, should be left in. If a home was built in increments and an addition seems to be one or more of the increments, take it to the Editing Supervisor. Building of the home and its cost and loans should not be here.

3.

D55-D65

LOANS FOR ADDITIONS 1. 2. 3. If a loan here is clearly collateralized by the house, it should be moved to column 2 or 3 in the mortgage grid. If you find a loan here that is clearly a Home Equity Line of Credit, it should be moved to D53-D53m. Loans here that are double-counted in the mortgage or HELC sections should be edited out here and left in those sections.

D58

If D58 is answered in a fractional # of years, edit it as per the GENERAL INSTRUCTION 22. Edit the type of institution at D64 as per GENERAL INSTRUCTION 21. If another home addition and improvement loan is at D65-D65b and marginal notes provide more information on it than can be contained in D65a&b, move it to the loan grid at H1-H15, if there is an available column there. LINES OF CREDIT FOR NON-OWNERS ONLY:

D64 D65-D65b

D68c

Edit the type of institution at D68c as per GENERAL INSTRUCTION 21--"CHECK ALL THAT APPLY". Check that the # LINES OF CREDIT (LOC) recorded in the blank at D68d is the same number as is entered in the box at D69 on the next page. If it is not, see the Editing Supervisor. Edit the # LINES OF CREDIT (LOC) entered in the box at D69 to be consistent with the number recorded in Columns #1-#3 of the grid and D76 as per GENERAL INSTRUCTION 24. LINES OF CREDIT (LOC) GRID 1. Business lines of credit should not be included here. Edit any that are found out, with a note saying "business debt." If it is for a "Sole Proprietorship", see the Editing

D68d & D69

D69

D70-D74

Supervisor as per General Instruction 26. D70 Precode the purpose of the loan using the LOAN PURPOSE CODE. See the instructions for D53d if the purpose is code "10" (to purchase a car). D74 D76 Edit the type of institution at D74 as per GENERAL INSTRUCTION 21. If there are more than three LOC, any money currently owed on the surplus LOC's will be in D76. If enough detail is included in marginal notes concerning this debt, edit it out of D76 and into H1-H15 if there is an empty column. The purpose of the loan will have to be NA'd if it is not given here. SECTION E: OTHER PROPERTIES, LAND CONTRACTS Edit the # NOTES/LAND CONTRACTS/MORTGAGES entered in the box at E2a to be consistent with the number recorded in Columns #1-#3 of the grid and E13-E13b as per GENERAL INSTRUCTION 24. NOTES/LAND CONTRACTS/MORTGAGES OWNED 1. Check for double-counting of properties between E3-E11 (sold) and E16-E34a (currently owned). If a property is clearly listed in both places, leave it here and edit it out of E16-E34a. If you suspect double-counting but it's not clear, take it to the Editing Supervisor. Edit out all notes, land contracts or mortgages held or owned by any business that the PEU owns or has an interest in.

E2a

E3-E13b

2.

E9

If E9 is answered in a fractional # of years, edit it as per GENERAL INSTRUCTION 22. If E11 is YES: Check the amount the PEU still owes at E11a and the amount it is still owed at E4 or E7. If the amount at E11a is considerably larger than the amount at E4 or E7, and there are marginal notes, write them on the Problem Sheet. Edit the # PROPERTIES entered in the box at E15 to be consistent with the number recorded in Columns #1-#3 of the grid and E36E37f, as per GENERAL INSTRUCTION 24. THE OTHER PROPERTY OWNED GRID 1. Do NOT edit out "any property owned by a business that [PEU] has an interest in" as instructed by the question at E14, unless it is perfectly clear that the property is included

E11a

E15

E15-E37e

or is the same as the business listed in Section M. If you suspect that it is, but it is not perfectly clear, see the Editing Supervisor. These will be flagged with a special code (see PROPERTY LINK CODE below). 2. Do edit out properties owned by limited partnerships where R is a limited partner if you find them in this section (UNLESS R or the PEU member owning them are GENERAL PARTNERS). Edit them out of here (E16-E34a) AND edit them into the M20-M21a section on passive businesses. See the Editing Supervisor for such cases and write them up on the Problem Sheet. Burial Plots, if listed here, should be moved to N52a-N52b. If there is any debt on them, move that to the Section H loan grid. Mobile Homes should be included here, unless they are the current residence of the PEU. (See definition at G8, note 3.) Be particularly alert in this section for unusual or confusing situations. Take anything that seems suspicious to the Editing Supervisor.

3.

4.

5.

E16

Precode each property, using the PROPERTY LINK CODE, above the PROPERTY # heading for each column. If you are unsure which code to use for a property, see the Editing Supervisor. 1. 2. If "Limited Partnerships" are noted here, see E15-E37e, item 2 above. Box 1 "OWNED BY R" is meant to include ownership by R's Spouse, either with R or alone.

E17

E17a-E33

Value and Debt on Property 1. If marginal notes indicate that only the PEU's share is recorded in E18-E29, compute and edit E18, E20, E23, E24 and E26 to the totals for the property using the PEU's share at E17a. If the PEU owns TIMESHARE property, then leave E18-E29 as only the PEU's share and edit E17 to "OWNED JOINTLY". If the entire value and debt on TIMESHARE property is given, compute and edit it to the PEU's share only. Except for item 2 above, if E17a is NA or DK and it appears that E18, E20, E23 and E24 are only the PEU's share, then NA E18, E20, E23 and E24 and put this on the Problem Sheet.

2.

3.

E18

If "TAX ASSESSED" value is given, edit it out and precode "9 999 996". Write the tax assessed value with appropriate notes on the Problem Sheet.

E25

If E25 is answered in a fractional # of years, edit it as per GENERAL INSTRUCTION 22a. Edit the Type of Institution at E33 as per GENERAL INSTRUCTION 21. Gross Income from Property 1. If there is any clear indication at E34a, E36b or E37f that the income amount given is "net" (see definition in Quick Reference Guide) instead of "gross", NA the amount and write the details on the Problem Sheet. If Income was received from the property other than RENTAL income (such as parking fees, etc.) include them in the total. Total income from the property is wanted here, despite the wording ("renting out") of the questions at E36f and E37e. PROPERTY LINK CODES For every property at E16 (page 31) precode at top of each column:

E33 E34a, E36g, E37f

2.

High Priority

1. 2. 3. 4. MAKE CARD

This property associated with Bus #1 at M5a " " " " " " " " Bus #2 " Bus #3 " " "

This property is associated with a business listed at M5a, BUT it is (a) (b) (c) (d) a business beyond #3 (at M19a-c) or associated with more than one M5a business or NA which business business located in R's home

Low priority

5.

No business or job connection; property not associated with a business at M5a-M19c (i.e., no info present which ties this property to an M5a-M19c business) OR NO businesses listed in M5a-M19c; AND no link to R/S's main job. This property is associated with R's main job (at R3 or R14) This property is associated with S/P's main job (at S3 or S14) This property cannot be linked with reasonable certainty

6. 7. SEE ED SUP 9.

SECTION G: VEHICLES G2 Edit the # LEASED VEHICLES entered in the box at G2 to be consistent with the number recorded in Columns #1, #2 and G6a as per GENERAL INSTRUCTION 24. THE LEASED VEHICLE GRID 1. Move any vehicles which are leased by a business but used by the PEU for personal purposes to G24. These would include those leased by a business that the PEU has an interest in. If the vehicle is leased by a business but not used by PEU for personal purposes, then edit them out. Edit out all leased motorhomes, travel trailers, motorcycles, snowmobiles, all-terrain vehicles as well as tractors and mowers from G3-G5a.

G3-G6a

2.

G7a

Edit the # OWNED VEHICLES entered in the box at G7a to be consistent with the number recorded in Columns #1-#3 and G23aG23d, as per GENERAL INSTRUCTION 24. THE OWNED VEHICLE GRID 1. Move any vehicles owned by a business (including any the PEU has an interest in) but used by the PEU for personal purposes to G24. If there are already vehicles at G24, and you are not sure whether the ones you are moving are already included there, leave them out and record all details on the Problem Sheet. Those owned by a business but not used for personal purposes should be edited out. Edit out any vehicles: a. b. c. d. 3. not in running order not licensed now nor planned for licensing in 1990 not yet purchased, or ordered but not yet received not owned by the PEU.

G8-G23d

2.

Check for double-counting of debt in Section H. If you find any, edit it out of Section H and leave it here. If it is a part of a larger debt there, and needs to be split, see the Editing Supervisor.

G8

Type of Vehicle 1. Move all motorhomes, travel trailers, motorcycles,

snowmobiles, and all-terrain vehicles to G25a-G39d and write the description of the vehicle on a Problem Sheet. 2. 3. Edit tractors/mowers out. If they are for personal use and have debt, move debt to Section H. Edit mobile homes to Section D and the mortgage grid if it is the current residence of the PEU or to the Section E Other Property Grid if it is not. DEFINITION A mobile home is fixed to its lot. A motorhome has a motor and is self-propelled. A travel trailer, for purposes of this study, is towed by a car and "parked", when not being towed. It is not fixed to its lot. If it becomes fixed to its lot it should be considered a mobile home. Be aware, however, that R's confuse these terms and may not be using our definitions.

G16

If G16 is answered in a fractional # of years, edit it as per GENERAL INSTRUCTION 22. Edit the type of institution at G22 as per GENERAL INSTRUCTION 21. If there is more information about cars and the debt volunteered at G23a-G23d than can be captured in the Q's, write it on the Problem Sheet. Do not include vehicles leased by a business which the PEU uses regularly for personal purposes; write these on the Problem Sheet if found. Edit the # (Other) VEHICLES box at G25a to be consistent with the number recorded in Columns #1, #2 and G39a-G39d in the OTHER VEHICLE GRID as per GENERAL INSTRUCTION 24. THE OTHER VEHICLE GRID Edit as per the Car Grid, G8-G23d, items 2a-d & 4 and G8, items 2 & 3.

G22 G23a-G23d

G24

G25a

G26-G39d

G32

If G32 is answered in a fractional # of years, edit it as per GENERAL INSTRUCTION 22. Edit the type of institution at G38 as per GENERAL INSTRUCTION 21. If there is more information on the vehicles in G39a-G39d

G38 G39a-G39d

volunteered than can be captured in the Q's, write it on the Problem Sheet.

SECTION H: LOANS H1a-d 1. In general, the number of loans recorded in H1a-d should sum to the number recorded in the box at H3, except when 2 or more smaller loans have been combined into one column to fit into the grid and are counted as only one loan there. In that case, H1a-d will sum to the actual number of loans and the box at H3 will reflect the number after being combined. If you edit loans into or out of the grid you must change the numbers recorded in H1a-d, as well as the H3 control box. If it should be necessary to distinguish between the categories of a-d, assume a and b have high priority and d has low priority.

2.

H3

Edit the # OF LOANS entered in the box at H3 to be consistent with the number recorded in Columns #1-#6 (including LOANS #4-#6 on the EXTRA LOAN PAGES), as well as the number of loans from the grid that were moved to N53a, as per GENERAL INSTRUCTION 24. (NOTE: Loans #5 and #6 may be misnumbered in the printing of the Iw on p.45b.) THE (OTHER) LOAN GRID 1. EXCLUDE: a. Business or farm debt that the PEU is not personally liable for. If it is unclear whether the business/farm or the PEU is liable, check M10-M10b. If it is still unclear, leave it in and write it on the Problem Sheet. Past due bills, UNLESS: 1) 2) 3) c. d. e. 2. a specific repayment arrangement has been made; or the bill is more than 3 months past due; or it amounts to $200 or more.

H4-H15

b.

Debts which R clearly has no intention of repaying. Credit card debt (this should be edited to Section B). Intra-PEU debt (i.e., owed by one PEU member to another PEU member).

INCLUDE:

a. b. c. d.

Back taxes. Money borrowed from a pension plan. Medical debt (of $200 or more). Loans for home improvements which R listed here (unless it is double-counted at D55-D65b, then it should be left there only). Education loans, whether currently being paid on or not (if it is owed by a current member of the PEU). Defaulted co-signed notes: loans which a PEU member had co-signed for someone else and for which the PEU member now assumes the obligation. These must also be written on the Problem Sheet. Intra-HU debt: debt that a PEU member owes to an Independent Adult living in the HU. All other debts or loans owed by a member of the PEU listed by R in this section and not edited out or moved by any of the other instructions here, or found anywhere else in the interview and not excluded by any instructions here.

e. f.

g. h.

H4

Code the purpose of the loan at H4 using the LOAN PURPOSE CODE. Code the first two mentions if more than one is given. Use code 97 if more than two mentions are given. 1. For REGULAR INSTALLMENT loans (H7=1), if marginal notes indicate that the date that the loan was taken out is different than when the payments started, edit H5 to the date the payments started. If it is known that the date is different, but it is not known the date they started, write it on the Problem Sheet. If payments haven't started yet, but date is known when they will start, edit H5 to that date. H7 should be edited to "REGULAR PAYMENTS" in all cases in which current regular monthly payments have been agreed upon, including overdue bills which the PEU has made "arrangements" for. H7 should be edited to "OTHER KIND" for: a. loans not yet due or not yet being paid on (such as Educational Loans on which payments won't start until sometime in the future); past due bills on which no "arrangements" have been made;

H5

2.

H7

1.

2.

b.

c.

loans for which the regular payments agreed on are not monthly (i.e., "twice a month," "quarterly"). NOTE: In these cases, payments, and the frequency of them, should be edited to H10. You will have to NA H11 & H12 UNLESS R volunteered them.

H8

If H8 is answered in a fractional # of years, edit it as per GENERAL INSTRUCTION 22. For regular installment loans where payments are not currently being made, edit H9 to '9995. No payment being made.' If they are behind or not paying the full payment amount, edit H9 to the amount they should pay and put other information on a Problem Sheet. For loans and debts on which payments are not yet being made (such as deferred education loans), edit the "typical payment" to $"0" PER ___. If the current interest rate for medical bills owed to doctors, dentists and medical facilities is NA or DK, leave it NA/DK. 1. 2. Edit the type of institution at H14 as per GENERAL INSTRUCTION 21. For medical debts owed to doctors, hospitals or dentists, precode "22".

H9

H10

H13

H14

H18

Edit the number of miles written in the blank to check boxes "LESS THAN A MILE" or "OVER 50 MILES" whenever appropriate.

LOAN PURPOSE MASTER CODE Precode purpose of loan at D37, D53d, D70 and H4 using this code. Precode up to 2 mentions in each location. HOME PURCHASE, ADDITION OR REPAIR OF CURRENT RESIDENCE 01. Own home purchase 03. Home improvement or addition (incl. assessments for sewer/ sidewalk, etc.) 04. Home repairs/maintenance/upkeep CAR/HOUSEHOLD DURABLE GOODS 10. Car 11. Refrigerator 12. Stove/Range; microwave oven 13. Dishwasher 14. Freezer 15. Air conditioner 16. Washing machine (incl. washer/dryer combination)

17. 18. 20. 23. 24. 25. 26. 29.

Dryer Furniture (excluding pianos and organs--see 34); lamps; mattress and spring combinations; rug and/or carpet; other household furnishings Vacuum cleaners Home computer; calculator; computer terminal Truck/jeep/utility vehicle Combination of appliances (incl. TV); "appliances"--NA type Combination of furniture + appliances Other appliances or durable goods; sewing machine; typewriter

SMALL/INDOOR HOBBY OR ENTERTAINMENT GOODS 31. Stereo; phonograph (may include radio); include sound equipment, amplifiers here; radio (AM or FM); tuner; CB equipment; tape recorder, tape player (cassette or reel-toreel); CD player 34. Piano; organ 35. Musical instruments (excluding pianos and organs) 36. TV--color or black and white; "home entertainment center" (incl. combination TV, radio, phonograph); video cassette recorder/player (VCR); video camera (Cam-corder) 49. Other small/indoor hobby or entertainment items (incl. pool tables and regular cameras) 50. Power tools and yard equipment OUTDOOR HOBBY AND RECREATION GOODS 61. Boat; boating equipment (including trailer) 63. Motorcycles; bicycle; moped; snowmobiles; off-road vehicles 65. Camper-trailers; "RV"--NFS 67. Cottage; vacation property; mobile homes--seasonal residence (if current residence, code 01); "motorhome"; "second home" 69. Other outdoor recreation items; horse High Priority SAVINGS AND INVESTMENTS 71. Invest in Bus #1 (from Section M) 72. " " Bus #2 " " " 73. " " Bus #3 " " " 74. Invest in own business, other than 71-73 or NA which or all 75. Business investment (own) (exc. 71-74), incl. businesses now defunct 76. Other asset investment; bought stocks/bonds; IRA deposit; gold; "investment" -- NFS 78. Investment real estate (incl. cemetery plots and additions and repairs to investment property); farmland (exc. 71-74); include businesses of self-employed R's who don't report a business in the M section 79. Other investments SPECIAL EXPENSES 81. Travel/vacation expenses 82. Medical/dental expenses; attorney's fees 83. Education/school expenses 84. Tax and insurance expenses (exc. vehicle, code 93) 85. Weddings/funerals 88. Moving expenses 89. Other special expenses; encyclopedia; health membership

MISCELLANEOUS PERSONAL NEEDS 90. "Personal loan"--NA what for 91. Bill consolidation; "bills" 92. Personal items, incl. clothing, jewelry 93. Vehicle repair/upkeep (incl. insurance) 94. Gifts; goods or gifts of money; "Christmas" 95. Living/general expenses 96. Loans made to others; "loaned friend/son money for a house" -7. Other (incl. combinations) SECTION M: M1, M2 BUSINESSES

Check D1; if "R LIVES ON A RANCH AND FARM" is checked AND D3 is checked "YES", then box "R OR R"S FAMILY OPERATE FARM/RANCH BUSINESS ON THEIR PROPERTY" should be checked at M1 and there should be at least one business at M2 connected to the farm or ranch. If not, bring the Interview to the Editing Supervisor. Edit the number entered in "# BUSINESSES" at M4a to be consistent with the number entered in the control box at M5. Edit the # OF BUSINESSES entered in the box at M5 to be consistent with the number recorded in Columns #1-#3 and M19a-c of the grid. If more than one box is checked or marginal notes are inconsistent with the box checked at M6, edit the boxes to one choice to indicate how the PEU originally acquired the business. If necessary, edit the date at M8 to agree with the editing of M6.

M2, M4a, M5 M5

M6

M9d

If R reports that a business is a "limited partnership" at M9d, it should be moved to M20-M20e (PASSIVE BUSINESSES), but only if it is clearly stated that they (the PEU) are "limited partners" and not general partners. If the limited partnership is moved to M20-M20e, all the details of the business should be written on the Problem Sheet and, if it is the only business, M4 should be edited to "NO".

M10, M10a

CHECK FOR CURRENT COLLATERALIZED LOAN 1. If M10 has been marked YES, but the answer to M10a indicates that R does not currently have a personal loan (i.e., M10a is "nothing"), edit M10 to NO. Edit to include only PEU's share. If the net income reported in M17 exceeds the gross receipts reported in M16, leave the inconsistency unless there are explanatory notes which support reversing the figures at M16

M14, M15 M16, M17

& M17. If any explanatory information is available, write it on the Problem Sheet. M20a, M21a-f Check the number of other (non-actively managed) businesses reported at M20a. It should be equal to or greater than the number of types of businesses ("YES" boxes) checked for M21a-f. See the Editing Supervisor if it is not.

SECTION N: FINANCIAL ASSETS N1-N43a GENERAL SECTION N INSTRUCTIONS 1. Watch for accounts and assets that belong wholly or partly to a business or to persons not in the PEU. a. If they belong wholly to the business or person outside the HU, edit them out unless the business is a "sole proprietorship", in which case see the Editing Supervisor. If they belong to an INDEPENDENT ADULT, check to make sure they are included at Y37-Y38c. If they are owned jointly with the PEU, and it is not clear how to split them, leave them in, but NA the amount. Write these on the Problem Sheet.

b. c.

2.

Watch for margin notes or specific $ amounts reoccurring in different places which would indicate the double-counting of assets within Section N. Amounts double-counted in two different places in Section N should be left in the most specific type of account, unless otherwise instructed (e.g., if listed in a savings account and as an IRA--edit it out of the savings account and leave it in the IRA).

3.

Assets from pension and profit sharing plans may be held in a variety of ways and could be double counted in both Section N and Sections R/S. Check assets and accounts in this section against pension accounts for current jobs at R21, R32, S21 and S32 and against pension accounts from past jobs at R53c-d and S53c-d. If double counting is found, edit it out of Section N and leave it in Sections R/S, except for IRA's which may be left in the R53b-g future pension grid and the N11-N14 IRA grid if R53d is marked "YES, IRA/KEOGH". If assets are found in this section (N) which are clearly labelled as being part of R's or S's current or future pension or profit-sharing plans and which are not doublecounted in Sections R or S, see the Editing Supervisor. For SEP-IRAs, see Note 2 at N12.

4.

Check for instances where a R has not known total figures because they did not know a component -- possibly because an account belongs to another FU member (for example, R may not know the amount of a daughter's U.S. Government bonds, but does know the amount of his/her own bonds). In these cases, NA the amount and write the known, given amount on the Problem Sheet, as well as noting there that there is also an unknown amount. Edit out any accounts that were not set-up at the time of the first contact for the Interview. Be sure that accounts which are jointly held by two people in the PEU are only counted once. If margin notes anywhere in Section N, except at N41-N46, indicate that the assets listed are part of a CMA or FMA, take it to the Editing Supervisor.

5. 6. 7.

N3

Edit the # of Checking ACCOUNTS entered in the box at N3 to be consistent with the number recorded in Columns #1-#6 of the Checking Account Grid and N8 as per GENERAL INSTRUCTION 24. THE CHECKING ACCOUNT GRID

N4 N6

Edit the type of institution at N4 as per GENERAL INSTRUCTION 21. Check all accounts checked "YES" at N6 against the money market grid at N17-N20 for double-counting. If any of them are clearly double-counted, edit them out of the checking account grid and leave them in the money market grid. NOTE: If that would edit all of the PEU checking accounts out, leave the first one listed in, and edit its counterpart out of the money market grid. NEVER edit the main checking account (account #1) out of the checking account grid. See the Editing Supervisor in such cases. If more detail is given concerning the remaining checking accounts than is asked for at N8, enter it on the Problem Sheet. THE IRA, KEOGH ACCOUNT GRID 1. 2. Watch particularly for double-counting here with pension plans as per instruction 3 at the beginning of this section. However, if a SEP-IRA (Simplified Employee Pension) is listed here and is not double-counted in Sections R or S, leave it in this grid and precode a "2" under the "IRA" box at N12. Edit the type of institution at N13 as per GENERAL INSTRUCTION 21 -- "CHECK ALL THAT APPLY".

N8

N10-N14

N11, N13

N14a

Be sure the correct skips are marked at the bottom of each column. (This grid is not filled in sequentially, but in order of who has an IRA/KEOGH account.) THE MONEY MARKET GRID

N16a

Edit the # OF MONEY MARKET ACCOUNTS entered in the box at N16a to agree with the number recorded in Columns #1-#3 and N21a as per GENERAL INSTRUCTION 24. Edit the type of institution at N19 as per GENERAL INSTRUCTION 21. If more detail is given concerning the remaining money market accounts than is asked for at N21a, enter it on the Problem Sheet. CERTIFICATES OF DEPOSIT 1. 2. Be particularly alert to double-counting with IRA's at N11N14; edit them out of here if such double-counting is found. Watch for double-counting also with Sections R/S. See GENERAL SECTION N INSTRUCTIONS item 3 if you find any.

N19 N21a

N22-N22c

N22a, N22c N23a

Edit the type of institution at N22c as per GENERAL INSTRUCTION 21--"CHECK ALL THAT APPLY". Edit the # of Savings ACCOUNTS entered in the box at N23a to agree with the number of savings accounts recorded in Columns #1-#5 and N26a as per GENERAL INSTRUCTIONS 24. THE SAVINGS ACCOUNT GRID 1. This grid is intended to pick up any other savings-type accounts that have not been included in earlier grids. Watch for double-counting with checking account, IRA, CD and Money Market grids; edit them out of here if found. Move any such assets to their proper grids if they are found clearly marked here and not there. 2. Include here passbook, statement savings and credit union share accounts, Christmas Clubs and all other savings accounts, as well as accounts at foreign banks, unions, AARP or other organizations, building and loan associations, and colleges.

N24-N25

N24

Edit the type of institution at N24 as per GENERAL INSTRUCTION 21.

N26a

If more detail is given concerning the remaining savings accounts than is asked for at N26a, enter it on the Problem Sheet. MUTUAL FUND GRID 1. 2. Watch for double-counting of mutual funds with pension funds in Sections R & S as per instruction 3 for this section. Check for double-counting of: a. b. STOCK FUNDS at N28a and stock at N37 & N39, and BOND FUNDS at N28b-d and bonds at N31a, N32a or N33a-d.

N28a-e

If any are found, leave them here at N28a-d and edit them out of the later section(s). BONDS AND BILLS N32 Check that the number entered in the # BONDS OR BILLS blank is not less than the number of boxes checked "YES" at N33a-N33d. Watch for double-counting of bonds with pension funds in Sections R & S as per instruction 3 for this section. PUBLICLY TRADED STOCK N37, N39 1. Watch for double-counting with pension or profit sharing funds in Sections R & S as per instruction 3 for this section. Check for consistency between N37 & N39a if N39 is "YES". a. b. N39a must be equal to or less than N37. If N36 is "1", then N37 and N39a must be the same.

N33a-d

2.

If either of the above is not true, see the Editing Supervisor. 3. If there is any indication that the amount of N39a includes stock in a business in Section M, see the Editing Supervisor. Stock which is clearly not publicly traded and can be separated from publicly traded stock should be moved to N52--"other assets." You should check Section M for doublecounting. IF R DOES NOT GIVE A VALUE ON STOCKS, but names the stock and the number of shares or the dividends paid, record it on the STOCK HELD sheet at the front of the Problem Sheet book.

4.

5.

BROKERAGE ACCOUNTS N40a-N40f If any significant extra detail (not codeable in N40a-f) regarding a brokerage account (such as the amount due on a margin account) is volunteered by R, add it to the Problem Sheet. TRUSTS, ANNUITIES, AND MANAGED INVESTMENT ACCOUNTS 1. Check the margin notes in this sequence for any indication that the assets recorded are double-counted in any of the accounts reported earlier in this section. If you find any, see the Editing Supervisor. If R mentions a "limited time annuity" and any details are given in margin notes, add them to the Problem Sheet.

N41-N46

2.

LIFE INSURANCE N47-N50 Exclude life insurance policies whose beneficiary is a business in Section M. If "burial insurance" is mentioned at N48-N48a, leave it.

N48, N48a

N51, N51a

MONEY OWED TO THE PEU 1. Exclude: a. b. c. 2. money owed to a PEU business; money owed to one PEU member by another PEU member money that R doesn't expect to be repaid, including "probably won't."

If at N51 a note says the PEU is owed money by a business in Section M, check M11-M11a to determine if it is included there: a. b. c. if it is, edit it out of here (N51-N51a). if it is not, move it to M11-M11a. if you are unsure about the double-counting, take it to the Editing Supervisor.

3.

Money owed to the PEU by a business that has been sold should be left here.

N52-N52c

OTHER ASSETS

1.

Move items that should be included in other sections to their appropriate place. If you have doubts concerning whether or not to move something, see the Editing Supervisor. a. Move any vehicles found here (including antique and valuable vehicles) to Section G. Assume that there is no debt on them unless there is contrary evidence. Code [such] vehicles moved to the G8-G22 grid '6' at G8.

2.

Some items which should be included here: a. b. c. antique and valuable items and collections silver, gold, jewelry cash

3. 4.

Do not edit items out just because the value seems small. Move any future inheritances or estates mentioned here to X9 and delete them from here. OTHER DEBTS

N53-N53a 1. 2. 3.

Edit out any debts which have been listed in other sections. Move all bills of $200 or more whose purpose is clear to the Section H loan grid if they meet the qualifications there. Debts for business purposes should be moved to the Section H loan grid if is clear that the PEU is personally liable. (A bankruptcy debt for an unincorporated business or debt on a business no longer in operation would be examples.) BUSINESS OR PROPERTY LINK CODE FOR JOBS

Precode at R2 (R2='SOMEONE ELSE') or R14 (self-employed) and/or R40b (second job, if 'BUSINESS' is checked). Precode also S2, S14, and S40b for Spouse/Partner. 1. High Priority 2. 3. 4. MAKE CARD 5. This job associated with Bus #1 at M5a " " " " " " " " Bus #2 " Bus #3 " " "

This job is associated with business listed at M5a, BUT it is: a) a business beyond #3 (at M19a-c) or b) associated with more than one M5a business or c) NA which business No Business or Property link; this job not associated

with a business at M5a-M19c (i.e., no info present which ties this job to businesses) OR NO businesses listed in M5a-M19c, and not associated with Properties at Section E or no properties listed. 6. Code at R40b or S40b only. This job (not codable 1-4 above) is associated with properties listed in Section E. Note: This information only available if volunteered by R. It is unclear whether or not a link exists with a business or property.

SEE ED SUP

9.

Where to Precode: At R2: in left margin above the OCC precode At R14: to right of box At R40b: to right of little box in larger box

SECTION R: EMPLOYMENT OF RESPONDENT R1 1. Check that a two-digit occupation status code has been precoded in green next to the status boxes. If not, see an occupation coder or the Editing Supervisor. If R mentions here that his/her work is 'volunteer' work, see the Editing Supervisor.

2.

R1d

RETIREMENT DATE 1. If both "RETIRED" and "DISABLED" are checked at R1 AND two dates are given at R1d, edit R1d to the date which is consistent with the green two-digit occupation status code. "50" is "RETIRED"; "52" is "DISABLED." If R has retired twice (2 dates are given), keep only the most recent date. Put the other date on a Problem Sheet. This will occur often with career military persons who go on to second careers.

2.

R2

CHECK SELF-EMPLOYMENT 1. 2. If the "RUN MY OWN BUSINESS" box at R2 is checked, edit R2 to "SELF-EMPLOYED." Make sure no self-employed persons followed the "SOMEONE ELSE" sequence. If they did, move the information in R3-R12 to the appropriate matching questions at R14-R14k. R8 should be moved to R14g and R15 to R14k. If you are unsure whether you should consider someone "SELFEMPLOYED," see the Editing Supervisor.

3.

NOTE: A person does not need to have a business listed in Section M to be self-employed. Not all self-employed people own businesses. R3, R4 MAIN OCCUPATION: 1. 2. R WORKS FOR SOMEONE ELSE

Check that there is a three-digit green precode to the left of R3 and R5. If either is missing, see an occupation coder or the Editing Supervisor. If R's response to R3 and R4 seems to include two different jobs, one of them should have been moved to R's second job at R40-R44. Check in these cases to see that a second job is at R40-R44; if it is not, see an occupation coder or the Editing Supervisor. Precode the JOB/BUSINESS LINK CODE, for the job coded at R3, to the right of the "I RUN MY OWN BUSINESS' box at R2.

3.

R7

EDIT WEEKS WORKED 1. 2. Edit any non-week response to # of WEEKS normally worked, assuming 4.3 weeks to a month. For teachers and other school personnel: a. b. Do not edit teachers or "school personnel" to 52 weeks worked, if the answer is less. Check that the salary reported at R8 is consistent with the # WEEKS R reported at R7. If not, edit the salary to an annual basis.

3.

Note that Q reads "...in a normal year." If R answers that he/she hasn't worked for a full year yet and it is reasonably clear that the job is not seasonal, edit R7 to 52 weeks.

R8

EDIT HOURLY JOB EARNINGS TO A WEEKLY WAGE 1. Edit dollars per hour at R8 to dollars per week by multiplying the dollars per hour times the number of hours per weeks worked given at R6 and then precode an "8" in the PER blank, to indicate that this conversion was performed. NOTE: If R6 is NA or DK, check R44 and assume the following: For females: For males: full-time = 35 hrs/wk, 5 days; part-time = 15 hrs/wk, 3 days. full-time = 40 hrs/wk; 5 days; part-time = 20 hrs/wk, 4 days.

2.

Tips, bonuses, overtime, commissions and piecework should be

included in calculating the wage rate. a. If tips are mentioned, but the amount is NA, multiply the wage rate by 1.5 and put the information on a Problem Sheet. If overtime is mentioned, but the amount is NA, assume time-and-a-half for any hours per week over 40 and put the information on a Problem Sheet. If salary/wages are given for one time period and commissions, bonuses, tips or other payments are given for a different time period, see the Editing Supervisor. If R is paid by commission and the amount is not known, edit R8 to the known amount and put all details on the Problem Sheet. If the base wage rate is given or can be calculated, do not NA it because of unknown or uncalculable tips, bonuses, overtime, commissions or incentivesm etc.; edit R8 to the known base wage rate and write the uncoded details on the Problem Sheet.

b.

c.

d.

e.

3. 4.

If the salary/wages are given "after taxes", NA R8 and record the details on the Problem Sheet. If R says he/she isn't paid: a. If R does volunteer work (such as with United Way, church work, etc.), take it to the Editing Supervisor and put it on a Problem Sheet if R works more than 35 hrs/week. For those whose income is "paid in kind", include the value of the "in kind payment" in or as their wage (e.g., someone who manages an apartment building and receives their own rent free as their wage earns the value of their rent). Whenever the marginal notes or amounts for the above are unclear, write the information on the Problem Sheet.

b.

c.

R10

EDIT "SINCE" TO "# YEARS" 1. If R reports R10 as being "SINCE" a specific year, edit it to the number of years since that specific year by subtracting it from the date of the Interview ('89 or '90-see facesheet). Enter that calculation into the # YEARS blank (i.e., if "SINCE 1960" and the Interview date is 1989, edit out "1960" and edit "29" into # OF YEARS). If R gives dates and there was a break in service, edit the total number of years, not including the break, into the # YEARS blank.

2.

R11

EDIT "UNTIL AGE" TO "# YEARS" 1. If R answers R11 as being "UNTIL AGE ___", edit to "___ # YEARS" by subtracting R's inputed age (from the IMPUT AGE for R on the facesheet) from the AGE given here. Enter this calculation into the "# YEARS" blank and edit the response in the "UNTIL AGE" blank out. For reasponses like "until I can't work any longer", "as long as I can", "indefinitely", mark the "NEVER STOP" box. SELF-EMPLOYED

2.

R14, R14a

MAIN OCCUPATION: 1.

Check that the three digit occupation and industry codes are precoded to the left of R14 and R14a. See an occupation coder or the Editing Supervisor if they are missing. If R's response to R14 and R14a seems to be two different jobs, edit as per instruction 2 for R3, R4. Precode the JOB/BUSINESS LINK CODE to the right of the small box to the right of R14. Make sure the box is checked if the job is linked to a business in Section M.

2. 3.

R14b R14c R14e R14f

Edit "SINCE" to "# YEARS" as per R10. Edit "UNTIL AGE" to "# YEARS" as per R11. Edit R14e as per instructions for R7. Edit R14f using all information available. If it is not clear which box should be checked, see the Editing Supervisor. 1. 2. Edit hourly wages given at R14g or h to a dollar per week amount as per instructions at R8. For those who work in a family business or farm without wages, edit R14h to '0' per 'WK'.

R14g or h

R17a

IF RECEIVING BENEFITS 1. If R17a is "YES", check R51c (pp. 98-99) to verify that "CURR JOB PENS" is checked, for at least one column, for this R. (NOTE: RECIPIENT is found checked at the top of the column). If R17a is "NO", check that the # PLANS entered in R17 agrees exactly with the # OF PLANS entered in the box at R18. If they do not, see the Editing Supervisor.

2.

R17b

If R17b is "YES", check that the # PLANS--NOT YET RECEIVING BENEFITS at R17c agrees exactly with the # OF PLANS entered in the box at R18. If they do not, see the Editing Supervisor. Edit the # OF Pension or Retirement PLANS entered in the box at R18 to be consistent with the number of plans recorded in Columns #1-#3 and R39-R39a as per GENERAL INSTRUCTION 24. Double-check that amounts at R21 are not double-counted in Section N. If they are, edit them out of Section N. If "Employer Contributions" are mentioned, write this on the Problem Sheet. 1. If R answers R24 as "IN ___ YEARS", edit it to "AT AGE ___" by adding the number of YEARS given to R's imputed age (from the IMPUT AGE box, for R, on the facesheet). Enter that calculation into the "AT AGE" blank and edit the response out of the "IN ___ YEARS" blank. If R answers with a range, edit it to the midpoint and record the range on a Problem Sheet.

R18

R21

R23

R24

2.

R26

If more than one box is checked, priority code the lowest number and the benefit amount at R26a, consistently if possible. Convert any annual payments to monthly payments. Check these questions for complex responses (e.g., "match 2% and then 1/2 of next 4%). If you find one, take it to the Editing Supervisor and put it on the Problem Sheet. Double-check N14 (p.63), N20 (p.64), N25 (p.66) and N28a-e (p.68) to make sure the amounts mentioned here at R32 are not doublecounted there. If they are, edit them out of the location in Section N and leave them here in Section R. Check for write-in responses at R36. 1. 2. If "I wouldn't get anything until I retire," check the "OTHER" box and NA the "PERCENT" at R36a. If "It would roll over into another account," check the "NONE" box, unless marginal notes indicate this is not true.

R26a R30a, R31a

R32

R36

R39a

If anything is entered in R39a, enter it on the Problem Sheet.

R40-R43

SECOND (OTHER) JOB 1. If R works for a business reported in Section M (see M9a & b) in addition to his main job and R does not report a second job here, you should edit it in. Do not edit in a second job only on the basis of the "R/S" box being checked at M9b. (If this has been done by an OCC coder, see Editing Supervisor.)

R40b

Precode the JOB/BUSINESS LINK CODE to the right of the smaller box within the larger box around R40b. If it is necessary to edit in R's second job at R40-R40b and it is clear that R has already included all of his HOURS, WEEKS and INCOME for this job in R6-R8 with his main job and it is unclear how to separate them you should leave them in R6-R8 and code R41R43 "0", unless the job being edited in is Military Reserve or National Guard. In that case, see R41, R42 below. If R's second job is the Military Reserve or the National Guard and R41 (# HOURS) and R42 (# WEEKS) are NA or DK, assume 20 hours per week for 13 weeks. EDIT SECOND JOB EARNINGS 1. 2. 3. Edit any dollars per hour responses at R43 to dollars per week using the hours given at R41. Edit other responses to R43 as per R8. In addition, edit the following cases to $"0" per week if their earnings are NA: a. Wives who work on the family farm or in the family business but who haven't reported it as their main job and report no second job. (For wives who do report it as a job, but without pay--see note 4b at R8.) Those cases specified for R41-R43 above.

R41-R43

R41,R42

R43

b.

WORK HISTORY--FULL TIME NOW R45d & e Check that three-digit OCC and IND codes have been precoded to the left of R45d & e. 1. Edit "YEARS AGO" to "19___" by subtracting the number of "years ago" given from the year of the Interview ('89 or '90, from item 3 on facesheet). Edit the calculation into the "YEARS AGO" blank and edit the year out of the "19___" blank.

R45f & g

2.

If there was a break in service between the 'START' date at R45f and the 'STOP' date at R45g, write the break details on the Problem Sheet.

R45h

Convert $ per hour to $ per week and edit other problems of job earnings as per instructions for R8. 1. Edit "AT AGE ___" to "IN ___ YEARS" by subtracting R's imputed age (from the facesheet) from the age entered in "AT AGE" and editing the result into the "IN ___ YEARS" blank. Edit out the response left in the "AT AGE" blank. If R answers with a range, edit it to the midpoint and record the range on a Problem Sheet. The intention of the question is to find when R plans to stop working full-time for good. If R answers that he/she plans to stop, but then start again at a later date, NA the response or edit it to the data consistent with the intent of the question, if that is known.

R45m, R45p

2. 3.

WORK HISTORY--PART TIME NOW R46d R46e Edit "# YEARS AGO" to "19___" as per instructions for R45f & g. Convert $ per hour to $ per week and edit other problems of job earnings as per instructions for R8. Check that three-digit OCC and IND codes have been precoded to the left of R46h & i. Edit "# YEARS AGO" to "19___" as per instructions for R45f & g. Convert $ per hour to $ per week and edit other problems of job earnings as per instructions for R8. Edit "AT AGE" to "IN ___ YEARS" as per instructions for R45m & p.

R46h & i

R46j & k R46m

R46q R46r R46s R46r & s

If R answers with a range, edit it to the midpoint and record the range on the Problem Sheet. WORK HISTORY--NOT WORKING NOW

R47c

Edit "# YEARS AGO" to "19___" as per instructions for R45f & g.

R47d

Convert $ per hour to $ per week (for a FULL-TIME job) and edit other problems of job earnings as per instructions for R8. Check that three-digit OCC and IND codes have been precoded to the left of R47g & h. Edit "# YEARS AGO" to "19___" as per instructions for R45f & g. Convert $ per hour to $ per week (for a FULL-TIME job) and edit other problems of job earnings as per instructions for R8. 1. 2. Edit "AT AGE" to "IN ___ YEARS" as per instructions for R45m & p. If R answers with a range, edit it to the midpoint and record the range on a Problem Sheet.

R47g & h

R47i & j R47k

R47q R47s R47t R47u

R49

CHECK FOR CONSISTENCY BETWEEN R49, HHL BOX, AND SPOUSE BOOKLET 1. If R49 is checked "R. IS MARRIED/LIVING WITH PARTNER" then: a. b. R should have "M" or "P" circled in column D of the HHL or a "7" or "8" should be precoded there AND there should be a SPOUSE BOOKLET Interview. (If COL D of the HHL or "8" and the SPOUSE BOOKLET is instruction for COL D in the HHL included in the box is precoded "7" missing--see the box section.

c. 2.

If the S booklet is missing, see the Editing Supervisor.

If R49 is checked "ALL OTHERS" then R will not have "M" or "P" circled nor have "7" or "8" precoded in COL D of the HHL box nor should a SPOUSE BOOKLET be included with the Interview. a. If a SPOUSE BOOKLET is included in this case, see the Editing Supervisor and then print "DO NOT CODE" in large letters across the cover of the booklet.

S1-S49

Edit the SPOUSE BOOKLET as per R1-R47u above. All Q #s in the SPOUSE BOOKLET correspond to the Qs in the R Section except that they are prefixed with an "S" rather than an "R". SOCIAL SECURITY PAYMENTS 1. Edit out all non-Social Security payments; if in doubt, see the Editing Supervisor.

R50d-R50f

2.

Edit out SSI payments (Supplemental Security Income) and if it was received in 1988, check T1k & T2k to make sure it is included there. Edit out all Social Security benefits for anyone except the Respondent and the Spouse/Partner (however, make sure they are included at T2m before you do). "SURVIVORS BENEFITS": a. b. if they are for a widowed person 62 or over, leave them here and edit R50d "RETIRE"; Otherwise, leave as it is.

3.

4.

5.

If Social Security benefits for minor HH children are being received (e.g., disability), include the amount with the payment of the adult who is receiving them.

R50d

If both "RETIRE" and "DISAB" are checked, and there are no notes to explain why: 1. 2. If the person is 62 years old or older, edit to "RETIRE". If under 62, edit to "DISAB".

R50e

Edit "SINCE" to "# YEARS" for both columns as per instructions at R10. 1. Check that R50f (S.S. benefits being received) is not double-counted at R51e (other benefits being received) or at R53g (benefits expected to be received in the future). If any are, edit them out of the Inap.propriate place. NOTE: Benefits for which no payment has yet been received are expected benefits. 2. If a single amount is given for both R & S, and is based all or mostly on the earnings of one individual, split the amount and allocate 2/3 to the primary wage earner and 1/3 to the other person. Edit the # PENSIONS/DISABILITY PAYMENTS entered in the box at R51a to agree with the number recorded in columns 1-6 (FIRST BENEFIT-SIXTH BENEFIT) as per GENERAL INSTRUCTION 24.

R50f

R51a

1.

R51c

If "CURR JOB PENS" is checked in any column, after ascertaining the RECIPIENT from the top of the column: 1. 2. Check the Recipient's job status at R1-R6 or S1-S6 to verify they have a current job. Check R17a or S17a to verify that they reported that they

are receiving benefits from it. 3. 4. If information is inconsistent, see the Editing Supervisor. Delete SSI if reported here. If it was received in 1988, check T1k and T2k to make sure it is included there.

R51d R52a

Edit "SINCE" to "# YEARS" for each column as per R10. Edit the # CASH SETTLEMENTS entered in the box at R52a to be consistent with the number recorded in Rows #1-#5. CASH SETTLEMENT GRID Cash settlements may match assets reported elsewhere, especially in Section N. Leave any double reporting, since the question is concerned only with the source of the asset.

R52b-R52d

R53f

Edit "IN ___ YRS" to "AT AGE" for all columns as per R24. SECTION T: INCOME

T1-T7d

GENERAL SECTION INSTRUCTIONS 1. Section T should contain the 1988 income of all of the current PEU, i.e., the PEU members who are included in the HHL box. This may be a problem for recently married, divorced, or separated Rs. Edit out any income clearly not belonging to the current PEU and bring to the Editing Supervisor any unclear cases or cases where 1988 income of a current PEU member has been left out. NOTE: If a deceased spouse was in the Household during 1988, include his/her income. 2. If income of a financially independent household member is reported in Section T, it should be moved to Section Y, if it is not already included there. Do not force consistency between this section (T) and any of the other sections of the Interview unless specifically directed to by these instructions or unless important 1988 income information will not be reported anywhere else in the Interview. Thus, for example, if R reports an income amount at E34a (where income from property is asked for), but does not report any income at T1g, you should not change T1g. However, if R mentions an income component in a margin note somewhere in the Interview which will not be coded anywhere else, edit it in to T2a-n if it is not there. In all cases, check with the Editing Supervisor before editing any income into the T section.

3.

T1a-T1n

Check consistency between T1 and T2 for income components a-n.

T2a-T2n 1. If T1 is checked "NO" or left blank and an amount is entered in T2, edit T1 to "YES", unless it is clear that the Interviewer checked the wrong box or entered the amount in the wrong place. If T1 is checked "YES" but T2 is left blank, NA T2, unless there is some indication what the amount should be (e.g., "I already told you that"). Otherwise, the boxes at T1 should not be changed, unless specifically directed to by these instructions or the Editing Supervisor, even if T1 is checked "NO" but you know from evidence in other sections of the Interview that the PEU had income from this source (e.g., an amount is reported at E34a but T1g is checked "NO"). Losses are only expected to appear at T2b, T2f, T2g, and T2n. Mark all losses clearly with parentheses. If losses are reported at any other location, see the Editing Supervisor.

2.

3.

4.

T2a-T2n

1988 INCOME COMPONENTS 1. Edit all non-yearly amounts in T2a-T2n to annual amounts for 1988. Use all information given in margin notes and, in the absence of other evidence, assume 12 months, 52 weeks and 26 bi-weekly periods in a year and 4.3 weeks in a month. Pre-code the # of refusals, at the bottom of p.102, prefixed by "REF", which is a count of the number of items (00-13) at T2a-T2n for which T1 is checked "YES" but which R has refused to give an amount.

2.

T2c

This should include income from tax-free bonds/mutual funds/money market funds. If these are reported elsewhere in T2a-T2n, move them here to T2c, but only if clearly specified as 'tax-free'. If R's housing is partially or fully subsidized by a governmental unit (learned from the TN or marginal notes), check T1n "YES" and write in 'SUBSIDIZED RENT'. Enter the amount at T2n if it is known, NA if it is not. If the rent subsidy is included in the amount given at T2k, move it to T1n if the amount is known. If it can't be separated, code T2k as given and record on the Problem Sheet that Subsidized Rent is included. 1. Move items listed at T2n that belong in T2a-T2m to their proper location. Move the types below to the locations noted: TYPE OF INCOME MOVE TO:

T2k

T2n

Net gain from sale of business. . . . . . T2f Child care income . . . . . . . . . . . . T2a

U.S. Army VAQ (HOUSING ALLOWANCE) pay Jury duty pay . . . . . . . . . . . . Corporate Board of Directors fees . . Deferred compensation (from a job). . 2. Edit out:

. . . .

. . . .

T2a T2a T2a T2a

Tax refunds Student Loans Employer contributions to Pension Plans money from relatives IRA withdrawals

3.

Leave in T1n:

T3

Do not edit T3 for consistency with its components. In general, T3 should not be edited at all (i.e., it should be kept as independent as possible from T2a-T2n) EXCEPT: 1. 2. If T3 is missing (i.e., left blank), edit NA into the blank. If R volunteers information in marginal notes at T3 which is a codeable response or which must be added or subtracted from the response given, you should edit it in. E.g., "$25,000" (at T3) "and the commission I mentioned before" (volunteered). Otherwise, you should leave any codeable response at T3 unedited. a. 3. If R volunteers "just add it up", then just add it up (i.e., sum T2a-T2n).

As indicated at T4-T4f below.

T4-T4f

If, in the process of responding to T4-T4f, R volunteers a codeable response for T3 (e.g., at T4b R states "more like $150,000" or T4f R volunteers "$24,000"), you should move the response to T3 and edit out the DK/REF box checked there.

T6

1.

DO NOT edit out gifts or presents to others (including to relatives and friends). Thus, you would not edit out "Christmas present to mother" and "We gave brother $2000 for his birthday". Edit charitable contributions to other than relatives and friends to X10a. Thus, "sent $40 per month to an orphan child in Mexico" should be moved to X10a. Also, edit out loans which it is clear are expected to be repaid.

2.

3.

T7

For R's recently divorced or separated, and not living with their spouse, check T7a-d to make sure they are edited as follows: 1. 2. T7a must be checked "ALL OTHERS". T7d should be only the AGI of the current PEU. If it

includes the income of the separated/divorced spouse, or may include it, leave T7d as is but write it on the Problem Sheet. 3. If there is any indication that R and the divorced/separated spouse filed their 1988 taxes jointly (i.e., box is checked or marginal note says so), put this information on a Problem Sheet. SECTION X: CHARITY AND INTER-FAMILY TRANSFERS X1-X8 Assets mentioned in Section X may match amounts listed in Section N or other places in the I'w. Leave the double counting, since this section is concerned with the source of the asset. Edit the # OF INHERITANCES, TRUSTS, OTHER TRANSFERS entered in the box at X2 to be consistent with the number recorded in Columns #1#3 and X8 as per GENERAL INSTRUCTION 24. Edit out gifts or inheritances received by HU members other than R or Spouse, such as R's children or parents. Write them on the Problem Sheet. If more than one date is given at X5, indicating more than one inheritance from the same source, leave the earliest and move the other(s) to the next columns, if they are available. If there are no empty column(s) to edit them to, move them to the mop-up Q at X8. If R volunteered time (not money or property) and gave charitable contributions in that way, edit it out. SECTION Y: RESPONDENT DEMOGRAPHICS GENERAL INSTRUCTIONS ON DEMOGRAPHICS Y7-Y23b Edit these questions to agree with other information in the Interview and in the HHL box. See the Editing Supervisor if you are unsure. If R mentions "children" in the Interview but none are in the HHL box and "NONE" is checked at Y5, see the Editing Supervisor. Check the CHECKPOINT at Y7 for accuracy and make sure the appropriate sequence has been followed. For separated Rs: This question should be consistent with the information reported in other sections. If R reports, for example, assets are mostly 'OWNED BY R', edit all sections to reflect only the R's assets, debts, and income. If they are

X2

X2-X6

X5

X10

Y5

Y7 Y8e

'OWNED JOINTLY', make the sections consistent with this response. If you have reason to believe the data do not reflect what the R reported in Y8e, take the interview to the Editing Supervisor. Y8a, Y9a, Y10a, Y12, Y12a Y16 Edit "YEARS AGO" to "19___" by subtracting the number of "YEARS AGO" from the date of Interview (89 or 90) and entering the result in the "19___" blank. Then edit out the "YEARS AGO" response. Check the CHECKPOINT at Y16 to agree with the HHL box and to make sure the appropriate sequence was followed. Edit "19___" to "AT ___ YEARS OLD" by subtracting the year entered in "19___" from the year of the Interview (89 or 90) and subtracting that result from R's imputed age (from the IMPUT AGE box for R on the facesheet). Enter that result in the "AT ___ YEARS OLD" blank and edit out the response in the "19___" blank. Check the CHECKPOINT at Y25 to agree with the HHL box and to make sure the appropriate sequence has been followed. 1. Check each person listed here against the HHL for accuracy of Relationship to Head (Y25c and HHL box A) and Age (Y25d and HHL box C) to insure that each person listed here in Y25c-Y25e can accurately be matched with the listing box. Edit out anyone found in Y25c-Y25e who is not included in the HHL listing box, or see the Editing Supervisor if it seems that someone found here should have been listed.

Y13, Y22f

Y25

Y25c&d

2.

Y33

Check the CHECKPOINT at Y33 to agree with the HHL box and to make sure the appropriate sequence has been followed. 1. If Y34b is checked "YES", edit the amount reported at Y34a out of T2a-T2n and T3 (on pp. 102-103). Then edit this question (Y34b) from "YES" to "3" to indicate that the information was double-counted but is now corrected. If it is unclear where or whether the amount at Y34b is double-counted, see the Editing Supervisor and put the information on the Problem Sheet. If the amount is not moved out of the income section, leave Y34b marked "YES".

Y34b

2.

Y35c

If Y35c is checked "YES", edit the amount at Y35b out of the income component (on p. 102) indicated by Y35a: Y35a BOX CHECKED A-C D EDIT COMPONENT AT: T2m, T3 T2k, T3

E F G H J

T2c/d, T3 T2e, T3 T2a/b, T3 T2f/g, T3 T2a-n, T3

Then edit Y35c as per Y34b, item 1. Y36b If Y36b is checked "YES", check the vehicle grids at G8-G23d 37-39) and G2b-G39d (pp. 41-43) and see if you can determine assurance which of the vehicles there is the one whose value specified at Y36a. If you can, edit that vehicle out of the section and edit this Q (Y36h) as per Y34b, item 1. (pp. with is G

If it is not clear which vehicle is specified, then do nothing and leave Y34b checked "YES". Y37b If Y37b is checked "YES" edit the amount reported at Y37a out of: ACCOUNT LOCATION N5 & N8 N14 N20 & N21a N22b N25 & N26a N31a PAGE # 60, 61 63 64 65 66, 67 69

and edit Y37b as per instruction for Y34b, item 1. If it is clear that the amount at Y37a is only part of the amount in the account (i.e., it is a joint account with a PEU member), edit out only the amount specified. If, however, the amount is the whole account, then edit the account out, remembering to adjust the # of accounts at that location. Y38b If Y38c is checked "YES", edit the amount reported at Y38b (except for the amount which is reported at Y39b, if box A at Y38a is checked) out of the following locations depending on which boxes are checked at Y38a: IF Y38a BOX A B C D E F G H CHECK &ON EDIT PAGE # (see instructions for Y39 below) N37, N39*70 N32a, N33a-d69 N28a-N28e*68 N20 64 M14* 54 E18* 31 (as needed)

* Other amounts are affected by editing these accounts; see the Editing Supervisor. and then edit Y38c as per instructions for Y34b (unless BOX A at Y38a is checked, in which case you should leave Y38a "YES"). Y39 Check the CHECKPOINT at Y39 to agree with Y38a and to make sure the appropriate sequence has been followed. If "Rs HOME" is checked, see the Editing Supervisor. Section D will have to be edited as per instructions for D27-D40a, note 3 and D28, D29 & D31, item 1a. The independent adults share will remain (also) at Y38b and Y39b-Y39c. Y39b should equal D19 and Y39c should equal all the debts on the home. Y42-Y43 CHECK FOR ACCURACY OF THESE CHECKPOINTS If R is covered by a pension on a current job, BOX 1 at Y42 should be checked; if S is covered by a pension on a current job, BOX 4 at Y43 should be checked. If either of these are not consistent, bring to the Editing Supervisor. Y43 NOTE: The box labelled "R IS NOT MARRIED" at Y43 should be edited as though it reads "R IS NOT MARRIED/LIVING WITH PARTNER". SECTION ZZ: OBSERVATION ZZ2 CHECK TYPE OF STRUCTURE There should be just one box checked at ZZ2. If more than one is checked, edit out all but one. You can probably determine which is right by checking Section D. If not, see Editing Supervisor.

--------------------------------------------------------------------------------------------------------------------------------------------------------Survey of Consumer Finance--1989 General Coding Instructions

1)

PERCENT VS. %: Answers requiring the R to respond in a percentage will be coded in one of two ways. a) b) Where answer line is labelled "PERCENT" (as at D4 on page 10), we will code a 3 digit whole per cent plus 2 decimal places (xxx.xx). Where answer line is labelled "%" (as at D35 on page 19), we will code a 2 digit whole percent field plus 2 decimal places (xx.xx). In these cases (usually asking interest rates being charged on loans) an answer of 10-3/4% will be coded 1075.

c)

Conversion of fractional percentages into 2 decimal places: 1/4 1/2 3/4 1/8 3/8 5/8 7/8 = = = = = = = .25 .50 .75 .13 .37 .63 .87

2)

DOLLAR FIELDS: Most $ fields are coded as 4 or 7 digit fields. The four digit fields are indicated by a boxed precoded item (usually--as at D60 on page 25--9996. No regular/usual payment or 9998. DK) OR by a Q which specifically asks for a monthly payment. All others which have no such indications are coded as 7 digits. Please be especially careful of these large fields--it's very easy to miss-key in a value and the error may be very substantial. RANGE OF VALID CODES FOR DOLLAR FIELDS: Please note that, due to the use of a "range card" (Card B) for DK answers to $ fields, the code values are as follows: 1-(999)9979. (999)9979. $(999)9979 or more -- This is the code to use when an actual amount is given by R which exceeds our field width. ANSWERS GIVEN FROM CARD B: (999)9980. (999)9981. (999)9982. (999)9983. (999)9984. (999)9985. (999)9986. (999)9987. (999)9988. (999)9989. (999)9996. (999)9997. (999)9998. (999)9999. A. B. C. D. E. F. G. H. I. J. LESS THAN $500 $500-$1,000 $1,001-$2,500 $2,501-$10,000 $10,001-$50,000 $50,001-$250,000 $250,001-$1 MILLION $1 MILLION-$10 MILLION $11 MILLION-$100 MILLION MORE THAN $100 MILLION

NONE; NO USUAL/REGULAR/TYPICAL PAYMENT (present at some locations) R only gives assessed (home) value OTHER/NEGATIVE AMOUNT; LOSS; amount in parens (present at some locations) DK NA

In addition, there will be "warning" messages on several fields when large amounts are entered to try to clear up miss-punches as they occur. 3) CODEBOOK JARGON: DK: (Respondent answers) Don't Know NA: Not Ascertained Inap.: Inappropriate (item or question)

NFS: NEC: 4)

Not further specified Not elsewhere classified

If MONTH is NA, but season is given, code: Winter = 02 Summer = 08 Spring = 05 Fall = 11

5) 6)

For all Q's asking "# of years", code "01" will include one year or less but will not include "NONE". RESTRICTED AMOUNT CODES: Whenever the full range of numbers is not available for an item (example V5, Length of Iw: the current valid range is 15-240 minutes only), make a card for any amount falling outside the valid range. Never assume an "XX or more" unless it is printed at the particular location. If an answer exceeds the valid range specified in the codebook, make a card and put on Joan's desk. Example: # of vehicles range is (01-25). If R says "32" we will adjust the valid range. Tab items as you choose, but do not remove pages -- get a xerox if you want copies of codes to keep out of the codebook.

7)

8)

FINANCIAL INSTITUTIONS MASTER REFERENCE LIST **** NOTE TO CODERS: Not all of the categories listed here are valid codes at every location which asks for Financial Institution. If you need one that is currently invalid, code 97 AND make a card. 1989 Codes 01-06. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 31. 32. Inst. #1-#6 from Card A 1983 Codes --01. 02. 03. 04. 05. 06. 07. 08. 09. 10. 11. 12. 13. 14. 15. 16. 17. 21. 22.

Commercial bank; "trust company" Savings & loan association or savings bank Credit union Finance or loan company Store or dealer Brokerage company; "mutual fund"--NFS Insurance company Mortgage company Contractor or developer Prior owner Automobile finance company; GMAC; Ford CDT Doctor or hospital; dentist Lawyer Accountant Employer Friend or relative (not codeable above) Individual lender (not codeable above) Real estate (investment) company School/college/university

33. 34. 35. 37. 38. 39. 40. 41. 42. 50. 51. 61. 92. 93. 94. 95. -1. -7. 98. 99.

Local/county/state government (exc. 42) Special federal government agency: FMHA; SBA; VA; FHA; HUD; NDSL Federal government general or NA agency; IRS (83=K22b only; 89=N45 only) Self/spouse (manages own trust) Bank or general purpose credit card company: VISA; Carte Blanche; MasterCard (except American Express, code 51) Union Church AARP (American Association of Retired Persons) Courts (Sears)/Discover Card (V415-418 only) (Code "Sears" mention in 15) American Express/Optima Card Other membership organization: AAA; NEA; NTA (V415-418 only) Money market (mutual) funds, NFS Farm related lenders, not codeable above or NA if membership group or government agency Investment/management companies or consultants--NEC Non-financial institution (exc. 40-42, 61) Combinations of types of financial institutions OTHER DK NA

23. 24. 25. 27. 28. 29. 30. 31. 32. --------93. 94. -96. 97. 98. 99.

--------------------------------------------------------------------------------------------------------------------------------------------------------PANEL PRE-EDIT INSTRUCTIONS The purpose of the 1989 SCF Panel Study Pre-edit is to assure that the household listing data is as complete and accurate as possible. The procedures involve correcting inconsistencies which exist in the identifying information of the Respondent, his/her Spouse, or of other household members, based on comparisons of the '89 listings to the '83 and '86 household member listings as they appear on the 1989 SCF Panel "HOUSEHOLD LISTING UPDATE" (HHL) sheet. The purpose of the first part of the pre-edit is to examine all HHL UPDATE sheets in order to identify cases where discrepancies exist from one time period to the next and where household members cannot be tracked with certainty. The second part of the pre-edit procedures consists of looking up additional information for problem cases to clear up and correct cases that can be explained by normal changes in household membership such as children leaving or returning home, remarriage of the Respondent, or by errors in age/sex information.

The third part of the pre-edit handles correction of the more difficult problem cases -- those that do not have an explanation after looking at the available information and that may require staff decisions to change data to create consistency between time periods. MARKING CORRECTIONS: a. Corrections to the HHL UPDATE sheet should be marked in green with bad data crossed out and the corrected data written in next to it. Any corrections to the '83 and '86 listings on the FRONT of the HHL UPDATE sheet will later need to be recorded on the actual coversheets. To facilitate this, XEROX the FRONT of the sheet, circle the changes in green, and file the sheets in the folder marked "COVERSHEET CHANGES". Corrections to other '83 or '86 data should be marked on the "Data Listing Sheet" in green. Corrections to data in the '89 interview form should be done by circling out bad information and putting in changes in red; these must be initialed by study staff.

b.

c. d.

PART 1: Routine Interview Checks 1. Check that there is a HOUSEHOLD LISTING UPDATE sheet in each interview. If there isn't, circle the Case number on the "Sample ID Printout" and inform the Editing Supervisor. NOTE: If 2 listing sheets are found in one case, pull out the blank one (with no Iwer handwriting) and place it in the "Extra Listing Sheets" folder. 2. Verify that each case has its correct sheet by checking the Sample ID. Write the 1989 ID (3000 or 4000 sequence) in the upper left-hand corner of the UPDATE sheet if it is missing. On the BACK, calculate the current ages of all listed household members, using birthdate in column (f), and (if needed) date in Interview on the facesheet. Cross out the printed age in Column (d) and write the current age on the right-hand edge of Column (b) for each person. (See Example #1) If birthdate is missing for R or S, look it up on the "Data Listing Sheets". 4. Trace each household member who appears on any of the listings, checking age and sex information for consistency. Age will be allowed to increase by 2 - 4 years from '83 to '86 and from '86 to '89, and by 5 - 7 years from '83 to '89 without being considered a problem. However, if you are

3.

certain that a listed age was inaccurate, cross out the wrong age and write in the correct age next to it. *************************************************** * To help in calculating ages, the interview * * periods for the three studies are as follows: * * * * 1983: February - August '83 * * 1986: June - September '86 * * 1989: October '89 - March '90 * *************************************************** The actual dates of interview are printed on the HHL sheets. 5. Look at columns 'g' and 'h' on the BACK of sheet, top grid, and Column 'h' in the 'Mover In' (bottom) grid. Check that the dates given for household members coming and going is consistent with the listings at each time point. A number of differences are expected to turn up here. (See Example #2) Where children's ages vary from time point to time point, check page 121 of the '89 interview or the "'83 - '86 Data Listing Sheets" book for that case to see if the situation is explainable by different children being there at different times. The rule of thumb for deciding a case is O.K. is: If the recorded information is consistent with a plausible explanation, then no further look-ups need to be done. If Column (e) " '89 R" is checked in the "Mover In" grid, put the case aside to show the Edit Supervisor. PRE-CODES At the bottom of the BACK side of the HHL update sheet, pre-code the following in green: (See Example #1) a. HISTORY OF '89 R: Traces the '89 Respondent through the three possible interview points as follows: "R=" '83 '86 '89 Code ------------------------------------------------Resp Resp Spouse Spouse Spouse Resp No Int Split-off R No Int Spouse Resp Resp Resp Split-off R Split-off R 01 02 03 04 05

6.

7.

8.

In ... R was:

R/S Reversals or deaths/institutionalization (For Supervisor's Use Only) '89 R was '83 Spouse No Int Resp** 10

'89 R was '83 Spouse '89 R was '83 Spouse Resp '89 R not in HH * **

'89 R(*?) was '86 Spouse Resp* '83 R* was '86 Spouse '89 R was '86 Spouse

Resp** Resp** Resp Resp**

11 12 13 20

R and Spouse data need switching in '86 I'view. R and Spouse sections need switching in '89 I'view. (DONE IN EDITING)

PRE-CODES (CONT.) b. HISTORY OF SPOUSES: Traces the history of Spouses through the three possible interview points as follows:

Spouse History -- Original R's only "S=" In ... '83 '86 '89 Code ------------------------------------------------No Spouse Spouse* Spouse* Spouse* Spouse* Spouse* No Spouse No Spouse No Spouse No Spouse Spouse* Spouse* No Spouse Spouse* No Spouse Spouse* No Spouse Spouse* No Int No Int New Sp #1 New Sp #1 New Sp #1 New Sp #1 No Spouse No Int Spouse* No Int No Int No Spouse New Sp #1 No Spouse No Spouse Spouse* Spouse* New Sp #1 New Sp #1 New Sp #2 New Sp #1 New Sp #2 New Sp #1 New Sp #1 No Spouse No Spouse No Spouse No Spouse No Spouse New Sp #1 00 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15

Spouse* Spouse*

Spouse* New Sp #1

New Sp #1 No Spouse 19

16 17

Make Other, not described above ................. Card and put in problem pile Spouse* refers to original '83 Spouse Spouse History -- Split-off R's only In ...

'83 '86 '89 Code ------------------------------------------------Split-offs in '86 --No Spouse No Spouse 50 --------Split-offs in '89 --------Spouse #1 Spouse #1 No Spouse Spouse #1 No Int No Int ----Spouse #1 Spouse #2 Spouse #1 No Spouse No Spouse Split-off Spouse #1 No Spouse Split-off Spouse #1 51 52 53 54 60 61 62 63

Spouse* refers to original '83 Spouse * R and Spouse data need switching in '86 I'view. ** R and Spouse sections need switching in '89 I'view. (Done in Editing) R/S Reversals (For Supervisor's Use Only) '83 Sp is '89 Resp '83 Sp is '89 Resp No Int '86 Sp is '89 Resp '89 Sp was '83 Resp** '89 Sp was '83 Resp** No Spouse Spouse* 70 71 72 73

'83 Sp is No Spouse '89 R('83 R died) Spouse* '83 R* was '86 Spouse

'83 S is No Int '89 R('83 R died or inst.) " " No Spouse '86 Sp is '89 R '83 R was '86 Spouse '86 Sp (new) is '89 R

No Spouse

74

No Spouse No Spouse '89 Sp was '83 R** '89 Sp was '83 R

75 76 77 78

'83 S is '86 Sp was '89 R('83 R '83 R* died or inst.)

Make Other, not described above ................. Card and put in problem pile

79

Spouse* refers to original '83 Spouse * R and Spouse data need switching in '86 I'view. ** R and Spouse sections need switching in '89 I'view. (Done in Editing) c. 00. 01. 02. 03. 04. 05. 06. 07. 08. 09. 10. 11. 12. 20. 21. 22. EXTENT OF PROBLEMS IN HHL DATA: No problems noted; all listings are accurate and consistent. No corrections to the data. Corrections to '83 ages only Corrections to '86 ages only Corrections to both '83 and '86 ages Birthdate(s) changed on '89 HHL to make consistent w/ age. Birthdate(s) changed on '83 DATA LISTING to be consistent w/ age. Sex changes made to HH members other than R/S -- '83 listing. Sex changes made to HH members other than R/S -- '86 listing. (Do not Use) Sex changes to R/S in '83 listing (See 40 - 42) (Do not Use) Sex changes to R/S in '86 listing (See 40 - 42) Corrections to '89 "Movers In" Corrections to '89 "Movers out" Corrections to both "Movers in" and "Movers out" People missing on '89 pre-printed listing; were there but not coded in '83; added to '83 and '89 listing. People missing on '89 pre-printed listing; were there but not coded in '86; added to '86 and '89 listing. People removed from '86 and '89 listing (R did not live with them.

30. 31. 32. 40. 41. 42. 50. 51. 90. 91. 92. 95. 96. 97.

Corrections list Corrections list Corrections '83 and '86

to relationship codes (other than R/S) in '83 to relationship codes (other than R/S) in '86 to relationship codes (other than R/S) in both list

R/S reversed on '83 listing. R/S reversed on '86 listing. R/S reversed on both '83 and '86 listing. "Spouse" changed to "Partner" (or vice versa) in '83. "Spouse" changed to "Partner" (or vice versa) in '86. Both age and sex corrections made to '83 listing (other than R/S). Both age and sex corrections made to '86 listing (other than R/S). Both age and sex corrections made to both '83 and '86 listing (other than R/S). Persons deleted from '83 list. No listing sheet found; made up by Editing Supervisor. Other combination or corrections, not specified above.

9.

For cases where everything is all right -- for example, the only problems are that either the ages are off within the limits specified above, or that children's age differences are explainable by their being different children, -- such cases may be refiled. All other cases should be set aside as problem cases.

PART 2: HANDLING THE PROBLEM CASES. 1. Look up any information in the current (1989) interview that might clear up the problem. Helpful places to look are Y6 - Y12 (pp 122-132) or YY1 - YY7 (pp 133-140) for marital history, Y16 for spouse marital history, and Y1 for children living elsewhere. Look up remaining cases in the data listings. See if the problem is explainable or correctable from looking at all the information available -- e.g. marital history, ages of children living elsewhere. If corrections need to be made to the data or the coversheet, follow the procedures outlined below for noting them. On a "yellow sticky", write up a description of each problem case, noting what additional information is needed, and place this on the face sheet of the interview; insert HH Listing update in the interview. Sort the problem interviews into piles of similar kinds of problems.

2.

3. 4.

PART 3:

FURTHER LOOK-UPS.

1.

Additional information may be needed on cases that still remain as problems. Possible sources are the '83/'86 coversheets, or the '83/'86 interviews themselves. If none of the information available provides an answer to the problem of a particular case, that interview should be set aside in a special pile with all its associated material; these will be resolved by the study staff and the Feds.

2.

--------------------------------------------------------------------------------------------------------------------------------------------------------89 SCF EDITING ADDENDUM FOR PANEL HOUSEHOLD LISTING UPDATE SHEET: It is crucial that these are carefully edited and checked to eliminate problems down the road. 1. Do not do the computed and imputed ages on the face-sheet; this will be handled by the pre-edit being done on the 'HOUSEHOLD LISTING UPDATE SHEET'. Do the "ABSENT SPOUSE PRE-CODE" (v100 = ____) as before if the spouse is absent. Write it next to the Sample ID on the BACK of the HHL UPDATE sheet. Check over the HHL UPDATE sheet and read through the Thumbnail and interviewer notes to see that everything looks consistent; confirm that the designated R on the HHL update (top grid on the back) is the R that was actually interviewed AND is in Section R of the Iw. If you have any suspicions about the listing, see the Editing Supervisor. If the '89 R and Spouse have been reversed from the '83 R and Spouse, this must be corrected on the HHL Update sheet because the person interviewed as the R in '83 must be listed on line 1 of the household listing box, (Item 8 on the HHL Update sheet) if that person was in the household in '89. In addition, the interview must be edited for these cases so that the data specified as data for "R" is the data for the person listed on line 1 -- the '83 R. Therefore, any time you find a case where you have the slightest suspicion that the '89 Resp and Spouse have been reversed from '83, or that the '89 Respondent is not the same person as the '83 Respondent, you must take it to the Editing Supervisor for PreEditing. She will consult the '83 coversheet to verify who the actual '83 Respondent was, will make corrections as needed in red on the HHL Update sheet, and return the interview to you. When you receive the interview back, you will follow one of two possible courses of action. A. B. If the R and Spouse have not been switched, you can proceed to edit the interview in a normal manner. If, however, the R and Spouse have been reversed, then you

2.

3.

4.

must check the data at all locations specified below to assure that it is consistent with this change. The following data locations need to be corrected: 1) 2) M9b and N11 IN THE SPOUSE BOOKLET: a. Carefully remove p. 14a. b. If S1c or S1f is checked "NO", change the Skip Instruction to "S47". c. If S44 is checked "FULL-TIME", cross out the Skip Instruction. d. If S44 is checked "PART-TIME", change the Skip Instruction (S.I.) to "S46". IN THE R SECTION: a. Staple p.14a (from the Spouse Booklet) over p. 91. b. If R1c or R1f is checked "NO", change the S.I. to "S44c" and check the correct S44c box on P. 14a. c. If R44 is checked "FULL-TIME", change the S.I. to "S44a" and check the correct S44a box on P. 14a. d. If R44 is checked "PART-TIME", change the S.I. to "S44b" and check the correct S44b box on P. 14a. e. On p. 14a: Delete the box the Interviewer had checked if it is different from the new box you checked. 3) 4) 5) 6) R50c-f, R51b (recipient), R52b, R53e, T7b (boxes 3 and 4) V16 - V17k must be switched with V19 - V19m V26a Demographics in Section Y: Resp Spouse Y2-Y3b,Y5 with Y18 - Y21 Checkpoint at Y6 must be checked and corrected if wrong. Y25a (health conditions), Y29d, Y31, Y31c, The checkboxes at Y42 and Y43 need to be fixed to correspond to the corrected R and S.

7) 8) 9) 5.

Precode Item 1 on the FRONT of the sheet. Underline the correct code if marked, or mark the correct code if it is incorrectly marked. If R says he/she is married, but the spouse does not live in the household, code use codes '7' or '8' as on the Crosssection to indicate the spouse is not in the house. Precode Marital Status for everyone currently in the household using Column (e) to write the code. Enter the numbers 1-6

6.

(corresponding to the numbers at Item 1) plus '7' and '8' (for the Respondent only). Code Marital Status for all HH members 18 and older for whom there is some indication what their status is. For young adults who were in the household in both '83 and '86 and are now age 20-22, assume 'Never Married' (code '6'). For any person under 18, leave blank unless marital status is known. (These will be coded '6' by machine.) For others, if no indication, code '9'. 7. Code Column (g) for everyone in the listing {including 'Movers In'-- mark to the left of the lined dividing columns (f) and (h)} using the "RESIDENT STATUS CODE" from the Cross-section with the following revisions: Code: 5. 6. 7. NO is marked, and a DATE LEFT must be indicated. none is listed, code 99/99 in column (h). A "mover in" who is assumed to live there all the time; no other notes are given. A "mover in" for whom there is some indication that they do not live there all the time. Check the HHL UPDATE sheet and the Thumbnail. If

8.

Code the "economic units" as for the Cross-section. There may be less consistency in the marking of these, since a number of new interviewers started working on the study when the Panel portion began. All movers out should be coded "0" here.

R: RESPONDENT EMPLOYMENT R1e: Edit any hourly wages to dollars per week using full-time hours which is 40 hours/wk for males and 35 hours/wk for females. Use the '8' code to show a conversion was done. In cases where the information recorded in this section is for the person that was the '83 Spouse, write in BIG RED LETTERS "CODE FOR SPOUSE". R45-R47u S45-S47u This section is different from the Cross section in that it asks about the job R had in 1983 and then updates work history only for the past 3 years (36 months). Not much to do here that the computer can't do with more ease.

S: SPOUSE BOOKLET The Spouse booklet is the same as for the Cross-section except for (1) the checkpoints at S44a - S44c on page 14a and (2) the work history section has 2 possible routes through it -- the 'S' questions for updating old spouse work history, and the 'SS' questions for Spouses that are new to the R's household. The checkpoints S14a-S14c direct the R to the correct sequence. In cases where the information recorded in this section is for the person that

was the '83 Respondent write in BIG RED LETTERS "CODE FOR RESPONDENT", and see Editing Supervisor. In the some copies of the questionnaire, new Questions S14a-S14c have been stapled onto the page to correct for erroneous checkpoints. A copy of the corrected page is attached; see Editing Supervisor if the replacement page was not stapled in.

T: INCOME QUESTIONS T8,T10 1. Make all figures annual, as you have been doing Cross-section. on the

If R states the amounts for '86 or '87 income were "a little less than now" or some other explanation indicating that there have only been cost of living or inflation adjustments, and no dollar amount is given, code the amount as equal to the known amount. T8-T15 Amounts given in these questions should include the income and support of all persons living in the household at that time. So for currently divorced persons, income of their ex-spouses should be included. Look over the 'Refused' sequence, to see that it makes sense. If unclear, see Editing Supervisor.

T9,T11

V: CHANGES IN FAMILY FINANCES This section did not appear in the Cross-section version of the questionnaire. In general, you should leave information as given; do not check for consistencies with earlier sections except as specified below. This section should refer to persons in the HU, and not just to those in the Primary Economic Unit, since PEU was not a concept applied to the questionnaire in the 1983 survey. V1-V2 Check for gross inconsistencies with the D Section. Editing Supervisor if you find any. V20 1. 2. Bring them to the

If V20 = '1. YES', check that someone actually left the household since 1983. Code V20 as follows: If there is an inconsistency between the V20 report and the listing update, code V20 "3" If the reports are consistent, underline the "1. YES" box. If the "5. NO" box is checked, underline it.

V22

1.

If V22 = '1. YES', check that someone other than a new spouse

joined the household since 1983. 2. Code V22 as follows: If there is an inconsistency between the V22 report and the listing update, code V22 "3" If the reports are consistent, underline the "1. YES" box. If the "5. NO" box is checked, underline it. V33 If an inheritance is already mentioned at X3-X6, delete from here and leave in Section X.

Y: DEMOGRAPHICS The questions in the Y section are similar to the questions in the Crosssection version of the questionnaire, but the layout is somewhat different. Respondents go through either the Y7 - Y12f sequence if they were interviewed in 1986, or they go through the YY1 - YY8 sequence if they were not interviewed in 1986. Look for inconsistencies in the marital history and marital status questions that may be indicative of other, more serious problems. If the information is inconsistent, see the Editing Supervisor. Verify these checkpoints using the HHL UPDATE sheet: Y6,Y6a, Y6b,Y10b, Y11b,Y12b YY1,YY3h,YY4h,YY6c, YY6d,YY7b,YY8 --------------------------------------------------------------------------------------------------------------------------------------------------------1989 Survey of Consumer Finances--Panel Occupation Coding Instructions NOTE: The instructions for current job refer only to R, but they also apply to Spouse. Section M: 1. Code any business listed at M5a, then check M9b (P.52) to see if R works in the business; you may need this when editing/coding Section R. If an M5a business is listed as R's current job in Section R, use M5a information as an aid to coding industry at R5/R14a (the information at M5a is often better than that in Section R).

2.

Section R: 1. R1 Status: If the only combination checked is RETIRED and DISABLED, check P.1 Listing Box for R's age. If 62 or older, code as RETIRED; if under 62, code as DISABLED. R2: If SOMEONE ELSE is checked, and the industry given at R5 is clearly an M5a business in which R works (M9b), write in "M5a" under the "IF R SAYS" box at R2. R14/R14a (SELF-EMPLOYED): If the industry given is clearly an M5a business in which R works (M9b), make sure box to right of R14 is checked; if not, mark it. In combinatiuon with anything except worker (code 15), HOUSEWIFE is low priority. Other examples of resolving multiple checks at R1: a. b. WORKING + STUDENT + UNEMPLOYED = 14 (worker and student) UNEMPLOYED + STUDENT + HOMEMAKER = 30 (unemployed) Occupation and Industry Locations Key to Codes: OCC IND SUM SPI = = = = 1970 Census 3-digit occupation code 1970 Census 3-digit industry code 2-digit occupation summary code Special 2-digit industry code (M5a only)

2.

3.

4. 5.

PAGE 51 RESPONDENT 77 78 80

QREF M5a R1 R3-R5 R14,R14a

CODE SPI SUM OCC + IND OCC + IND

SPOUSE SUPPLEMENT

1 2 4

S1 S3-S5 S14,S14a

SUM OCC + IND OCC + IND

89SCF BUSINESS AND PROPERTY LINK CODES

For Every Property at E16 (page 31) precode at top of each column: High 1. Priority 2. 3. 4. This property associated with Bus #1 at M5a " " " " Bus #2 " " " " " " Bus #3 " " This property is associated with business listed at M5a, BUT it is (a) a business beyond #3 (at M19a-c) or (b) associated with more than one M5a business or (c) NA which business Property not associated with a business at M5a-M19c (i.e., no info present which ties this property to an M5a-M19c business) OR NO businesses listed in M5a-M19c This property is associated with R's main job (at R2 or R14) This property is associated with S/P's main job (at S2 or S14)

5.

6. 7.

Precodes at R2 or R14 and/or R40b (also S2, S14, S40b): 1. 2. 3. 4. This job associated with Bus #1 at M5a " " " " Bus #2 " " " " " " Bus #3 " " This job is associated with business listed at M5a, BUT it is (a) a business beyond #3 (at M19a-c) or (b) associated with more than one M5a business or (c) NA which business Job not associated with a business at M5a-M19c (i.e., no info present which ties this job to businesses) OR NO businesses listed in M5a-M19c BUSINESS AND PROPERTY LINK CODES For Every Property at E16 (page 31) precode at top of each column: High 1.This property associated with Bus #1 at M5a Priority 2. " " " " Bus #2 " " 3. " " " " Bus #3 " " 4. This property is associated with business listed at M5a, BUT it is (a) a business beyond #3 (at M19a-c) or (b) associated with more than one M5a business or (c) NA which business 5. Property not associated with a business at M5a-M19c i.e., no info present which ties this property to an M5a-M19c business) OR NO businesses listed in M5a-M19c This property is associated with R's main job (at R2 or R14)

5.

6.

7.

This property is associated with S/P's main job (at S2 or S14)

Precodes at R2 or R14 and/or R40b (also S2, S14, S40b): 1. 2. 3. 4. This job associated with Bus #1 at M5a " " " " Bus #2 " " " " " " Bus #3 " " This job is associated with business listed at M5a, BUT it is (a) a business beyond #3 (at M19a-c) or (b) associated with more than one M5a business or (c) NA which business Job not associated with a business at M5a-M19c (i.e., no info present which ties this job to businesses) OR NO businesses listed in M5a-M19c

5.

----------------------------------------------------------------------------------------------------------------------------------------------------List of variables included on the public use dataset ----------------------------------------------------------------------------------------------------------------------------------------------------XX1 X1 J14 X14 J19 X19 J100 X100 J101 X101 J102 X102 J103 X103 J104 X104 J105 X105 J106 X106 J107 X107 J108 X108 J109 X109 J110 X110 J111 X111 J112 X112 J113 X113 J114 X114 J115 X115 J116 X116 J117 X117 J118 X118 J119 X119 J120 X120 J121 X121 J122 X122 J123 X123 J124 X124 J125 X125 J126 X126 J127 X127 J128 X128 J129 X129 J130 X130 J131 X131 J132 X132 J133 X133 J134 X134 J135 X135 J136 X136 J137 X137 J202 X202 J203 X203 J204 X204 J205 X205 J206 X206 J207 X207 J208 X208 J209 X209 J210 X210 J211 X211 J212 X212 J213 X213 J214 X214 J215 X215 J216 X216 J217 X217 J218 X218 J219 X219 J220 X220 J221 X221 J222 X222 J223 X223 J224 X224 J225 X225 J226 X226 J227 X227 J228 X228 J229 X229 J230 X230 J231 X231 J301 X301 J302 X302 J303 X303 J304 X304 J305 X305 J306 X306 J308 X308 J309 X309 J310 X310 J312 X312 J313 X313 J314 X314 J316 X316 J317 X317 J318 X318 J320 X320 J321 X321 J322 X322 J324 X324 J325 X325 J326 X326 J328 X328 J329 X329 J330 X330 J401 X401 J402 X402 J403 X403 J404 X404 J405 X405 J406 X406 J407 X407 J408 X408 J409 X409 J410 X410 J411 X411 J412 X412 J413 X413 J414 X414 J415 X415 J416 X416 J417 X417 J418 X418 J419 X419 J420 X420 J421 X421 J422 X422 J423 X423 J424 X424 J425 X425 J426 X426 J427 X427 J428 X428 J429 X429 J430 X430 J432 X432 J501 X501 J502 X502 J503 X503 J504 X504 J505 X505 J506 X506 J507 X507 J508 X508 J509 X509 J510 X510 J511 X511 J512 X512 J513 X513 J514 X514 J516 X516 J517 X517 J518 X518 J519 X519 J520 X520 J521 X521 J522 X522 J523 X523 J524 X524 J525 X525 J526 X526 J601 X601 J602 X602 J603 X603 J604 X604 J606 X606 J607 X607 J608 X608 J609 X609 J611 X611 J612 X612 J613 X613 J614 X614 J616 X616 J617 X617 J618 X618 J619 X619 J620 X620 J622 X622 J623 X623 J624 X624 J626 X626 J627 X627 J628 X628 J630 X630 J631 X631 J632 X632 J634 X634 J635 X635 J636 X636 J701 X701 J702 X702 J703 X703 J704 X704 J705 X705 J707 X707 J708 X708 J709 X709 J710 X710 J711 X711 J713 X713 J714 X714 J715 X715 J716 X716 J717 X717 J718 X718 J720 X720 J721 X721 J722 X722 J723 X723 J724 X724 J725 X725 J726 X726 J727 X727 J728 X728 J802 X802 J803 X803 J804 X804 J805 X805 J806 X806 J807 X807 J808 X808 J809 X809 J810 X810 J811 X811 J812 X812 J813 X813 J814 X814 J815 X815 J816 X816 J817 X817 J819 X819 J820 X820 J821 X821 J822 X822 J823 X823 J824 X824 J825 X825 J826 X826 J827 X827 J828 X828 J829 X829 J830 X830 J902 X902 J903 X903 J904 X904 J905 X905 J906 X906 J907 X907 J908 X908 J909

X909 J911 X911 J912 X912 J913 X913 J914 X914 J915 X915 J916 X916 J917 X917 J918 X918 J920 X920 J931 X931 J1002 X1002 J1004 X1004 J1005 X1005 J1006 X1006 J1007 X1007 J1008 X1008 J1009 X1009 J1011 X1011 J1012 X1012 J1013 X1013 J1014 X1014 J1015 X1015 J1016 X1016 J1017 X1017 J1018 X1018 J1020 X1020 J1032 X1032 J1034 X1034 J1035 X1035 J1036 X1036 J1037 X1037 J1039 X1039 J1040 X1040 J1041 X1041 J1043 X1043 J1044 X1044 J1045 X1045 J1046 X1046 J1101 X1101 J1102 X1102 J1103 X1103 J1104 X1104 J1105 X1105 J1106 X1106 J1107 X1107 J1108 X1108 J1109 X1109 J1110 X1110 J1111 X1111 J1112 X1112 J1114 X1114 J1115 X1115 J1116 X1116 J1117 X1117 J1118 X1118 J1119 X1119 J1120 X1120 J1121 X1121 J1122 X1122 J1123 X1123 J1125 X1125 J1126 X1126 J1127 X1127 J1128 X1128 J1129 X1129 J1130 X1130 J1131 X1131 J1132 X1132 J1133 X1133 J1134 X1134 J1136 X1136 J1201 X1201 J1202 X1202 J1203 X1203 J1205 X1205 J1206 X1206 J1207 X1207 J1208 X1208 J1210 X1210 J1211 X1211 J1212 X1212 J1214 X1214 J1215 X1215 J1216 X1216 J1217 X1217 J1218 X1218 J1219 X1219 J1220 X1220 J1221 X1221 J1223 X1223 J1224 X1224 J1225 X1225 J1302 X1302 J1303 X1303 J1308 X1308 J1401 X1401 J1402 X1402 J1403 X1403 J1404 X1404 J1405 X1405 J1407 X1407 J1408 X1408 J1409 X1409 J1410 X1410 J1411 X1411 J1412 X1412 J1413 X1413 J1414 X1414 J1415 X1415 J1416 X1416 J1417 X1417 J1504 X1504 J1505 X1505 J1507 X1507 J1508 X1508 J1509 X1509 J1510 X1510 J1511 X1511 J1512 X1512 J1513 X1513 J1514 X1514 J1515 X1515 J1516 X1516 J1517 X1517 J1604 X1604 J1605 X1605 J1607 X1607 J1608 X1608 J1609 X1609 J1610 X1610 J1611 X1611 J1612 X1612 J1613 X1613 J1614 X1614 J1615 X1615 J1616 X1616 J1617 X1617 J1619 X1619 J1620 X1620 J1621 X1621 J1700 X1700 J1701 X1701 J1703 X1703 J1704 X1704 J1705 X1705 J1706 X1706 J1708 X1708 J1709 X1709 J1710 X1710 J1711 X1711 J1713 X1713 J1714 X1714 J1715 X1715 J1716 X1716 J1717 X1717 J1718 X1718 J1719 X1719 J1720 X1720 J1721 X1721 J1722 X1722 J1723 X1723 J1724 X1724 J1725 X1725 J1726 X1726 J1727 X1727 J1728 X1728 J1729 X1729 J1730 X1730 J1803 X1803 J1804 X1804 J1805 X1805 J1806 X1806 J1808 X1808 J1809 X1809 J1810 X1810 J1811 X1811 J1813 X1813 J1814 X1814 J1815 X1815 J1816 X1816 J1817 X1817 J1818 X1818 J1819 X1819 J1820 X1820 J1821 X1821 J1822 X1822 J1823 X1823 J1824 X1824 J1825 X1825 J1826 X1826 J1827 X1827 J1828 X1828 J1829 X1829 J1830 X1830 J1903 X1903 J1904 X1904 J1905 X1905 J1906 X1906 J1908 X1908 J1909 X1909 J1910 X1910 J1911 X1911 J1913 X1913 J1914 X1914 J1915 X1915 J1916 X1916 J1917 X1917 J1918 X1918 J1919 X1919 J1920 X1920 J1921 X1921 J1922 X1922 J1923 X1923 J1924 X1924 J1925 X1925 J1926 X1926 J1927 X1927 J1928 X1928 J1929 X1929 J1930 X1930 J2001 X2001 J2002 X2002 J2003 X2003 J2004 X2004 J2005 X2005 J2006 X2006 J2007 X2007 J2008 X2008 J2009 X2009 J2010 X2010 J2011 X2011 J2012 X2012 J2013 X2013 J2014 X2014 J2015 X2015 J2016 X2016 J2017 X2017 J2018 X2018 J2019 X2019 J2020 X2020 J2101 X2101 J2102 X2102 J2104 X2104 J2105 X2105 J2106 X2106 J2107 X2107 J2108 X2108 J2111 X2111 J2112 X2112 J2113 X2113 J2114 X2114 J2115 X2115 J2117 X2117 J2118 X2118 J2201 X2201 J2202 X2202 J2203 X2203 J2205 X2205 J2206 X2206 J2208 X2208 J2209 X2209 J2210 X2210 J2211 X2211 J2213 X2213 J2214 X2214 J2215 X2215 J2217 X2217 J2218 X2218 J2219 X2219 J2220 X2220 J2303 X2303 J2305 X2305 J2306 X2306 J2308 X2308 J2309 X2309 J2310 X2310 J2311 X2311 J2313 X2313 J2314 X2314 J2315 X2315 J2317 X2317 J2318 X2318 J2319 X2319 J2320 X2320 J2403 X2403 J2405 X2405 J2406 X2406 J2408 X2408 J2409 X2409 J2410 X2410 J2411 X2411 J2413 X2413 J2414 X2414 J2415 X2415 J2417 X2417 J2418 X2418 J2419 X2419 J2420 X2420 J2422 X2422 J2423 X2423 J2424 X2424 J2425 X2425 J2426 X2426 J2501 X2501 J2502 X2502 J2503 X2503 J2504 X2504 J2505 X2505 J2506 X2506 J2507 X2507 J2509 X2509 J2510 X2510 J2511 X2511 J2512 X2512 J2514 X2514 J2515 X2515 J2516 X2516 J2518 X2518 J2519 X2519 J2520 X2520 J2521 X2521 J2605 X2605 J2606 X2606 J2607 X2607 J2609 X2609 J2610 X2610 J2611 X2611 J2612 X2612 J2614 X2614 J2615 X2615 J2616 X2616 J2618 X2618 J2619 X2619 J2620 X2620 J2621 X2621 J2623 X2623 J2624 X2624 J2625 X2625 J2626 X2626 J2627 X2627 J2709 X2709 J2710 X2710 J2711 X2711 J2713 X2713 J2714 X2714 J2715 X2715 J2716 X2716 J2718 X2718 J2719 X2719 J2720 X2720 J2722 X2722 J2723 X2723 J2724 X2724 J2725 X2725 J2727 X2727 J2728 X2728 J2730 X2730 J2731 X2731 J2732 X2732 J2733 X2733 J2735 X2735 J2736 X2736 J2737 X2737 J2739 X2739 J2740 X2740 J2741 X2741 J2742 X2742 J2810 X2810 J2811 X2811 J2813 X2813 J2814 X2814 J2815 X2815 J2816 X2816 J2818 X2818 J2819 X2819 J2820 X2820 J2822 X2822 J2823 X2823 J2824

X2824 J2833 X2841 J2916 X2924 J2933 X2941 J3006 X3012 J3019 X3101 J3110 X3117 J3124 X3130 J3210 X3217 J3224 X3230 J3310 X3317 J3324 X3330 J3401 X3411 J3418 X3424 J3501 X3507 J3517 X3525 J3603 X3609 J3617 X3624 J3631 X3706 J3715 X3722 J3804 X3813 J3822 X3828 J3835 X3906 J3913 X3919 J3926 X3932 J3939 X3946 J4006 X4012 J4020 X4028 J4103 X4112 J4126

J2825 X2833 J2842 X2916 J2925 X2933 J2942 X3006 J3013 X3019 J3103 X3110 J3118 X3124 J3131 X3210 J3218 X3224 J3231 X3310 J3318 X3324 J3331 X3401 J3412 X3418 J3425 X3501 J3509 X3517 J3526 X3603 J3610 X3617 J3625 X3631 J3708 X3715 J3723 X3804 J3815 X3822 J3829 X3835 J3907 X3913 J3920 X3926 J3933 X3939 J3947 X4006 J4013 X4020 J4029 X4103 J4113 X4126

X2825 J2835 X2842 J2918 X2925 J2935 X2942 J3007 X3013 J3020 X3103 J3111 X3118 J3125 X3131 J3211 X3218 J3225 X3231 J3311 X3318 J3325 X3331 J3402 X3412 J3419 X3425 J3502 X3509 J3518 X3526 J3604 X3610 J3618 X3625 J3701 X3708 J3716 X3723 J3806 X3815 J3823 X3829 J3901 X3907 J3914 X3920 J3927 X3933 J3940 X3947 J4007 X4013 J4021 X4029 J4104 X4113 J4127

J2827 X2835 J2910 X2918 J2927 X2935 J3001 X3007 J3014 X3020 J3104 X3111 J3119 X3125 J3132 X3211 J3219 X3225 J3232 X3311 J3319 X3325 J3332 X3402 J3413 X3419 J3426 X3502 J3510 X3518 J3527 X3604 J3612 X3618 J3626 X3701 J3709 X3716 J3724 X3806 J3816 X3823 J3830 X3901 J3908 X3914 J3921 X3927 J3934 X3940 J4001 X4007 J4014 X4021 J4030 X4104 J4114 X4127

X2827 J2836 X2910 J2919 X2927 J2936 X3001 J3008 X3014 J3021 X3104 J3113 X3119 J3126 X3132 J3213 X3219 J3226 X3232 J3313 X3319 J3326 X3332 J3407 X3413 J3420 X3426 J3503 X3510 J3519 X3527 J3605 X3612 J3619 X3626 J3702 X3709 J3718 X3724 J3807 X3816 J3824 X3830 J3902 X3908 J3915 X3921 J3928 X3934 J3942 X4001 J4008 X4014 J4022 X4030 J4105 X4114 J4128

J2828 X2836 J2911 X2919 J2928 X2936 J3002 X3008 J3015 X3021 J3105 X3113 J3120 X3126 J3133 X3213 J3220 X3226 J3233 X3313 J3320 X3326 J3333 X3407 J3414 X3420 J3427 X3503 J3511 X3519 J3529 X3605 J3613 X3619 J3627 X3702 J3710 X3718 J3725 X3807 J3818 X3824 J3831 X3902 J3909 X3915 J3922 X3928 J3935 X3942 J4002 X4008 J4015 X4022 J4031 X4105 J4115 X4128

X2828 J2837 X2911 J2920 X2928 J2937 X3002 J3009 X3015 J3022 X3105 J3114 X3120 J3127 X3133 J3214 X3220 J3227 X3233 J3314 X3320 J3327 X3333 J3408 X3414 J3421 X3427 J3504 X3511 J3521 X3529 J3606 X3613 J3620 X3627 J3703 X3710 J3719 X3725 J3809 X3818 J3825 X3831 J3903 X3909 J3916 X3922 J3929 X3935 J3943 X4002 J4009 X4015 J4024 X4031 J4106 X4115 J4131

J2830 X2837 J2913 X2920 J2930 X2937 J3003 X3009 J3016 X3022 J3107 X3114 J3121 X3127 J3207 X3214 J3221 X3227 J3307 X3314 J3321 X3327 J3335 X3408 J3415 X3421 J3428 X3504 J3513 X3521 J3530 X3606 J3614 X3620 J3628 X3703 J3711 X3719 J3801 X3809 J3819 X3825 J3832 X3903 J3910 X3916 J3923 X3929 J3936 X3943 J4003 X4009 J4017 X4024 J4032 X4106 J4116 X4131

X2830 J2839 X2913 J2922 X2930 J2939 X3003 J3010 X3016 J3023 X3107 J3115 X3121 J3128 X3207 J3215 X3221 J3228 X3307 J3315 X3321 J3328 X3335 J3409 X3415 J3422 X3428 J3505 X3513 J3522 X3530 J3607 X3614 J3622 X3628 J3704 X3711 J3720 X3801 J3810 X3819 J3826 X3832 J3904 X3910 J3917 X3923 J3930 X3936 J3944 X4003 J4010 X4017 J4025 X4032 J4110 X4116 J4132

J2831 X2839 J2914 X2922 J2931 X2939 J3004 X3010 J3017 X3023 J3108 X3115 J3122 X3128 J3208 X3215 J3222 X3228 J3308 X3315 J3322 X3328 J3336 X3409 J3416 X3422 J3429 X3505 J3514 X3522 J3601 X3607 J3615 X3622 J3629 X3704 J3713 X3720 J3802 X3810 J3820 X3826 J3833 X3904 J3911 X3917 J3924 X3930 J3937 X3944 J4004 X4010 J4018 X4025 J4100 X4110 J4117 X4132

X2831 J2840 X2914 J2923 X2931 J2940 X3004 J3011 X3017 J3024 X3108 J3116 X3122 J3129 X3208 J3216 X3222 J3229 X3308 J3316 X3322 J3329 X3336 J3410 X3416 J3423 X3429 J3506 X3514 J3523 X3601 J3608 X3615 J3623 X3629 J3705 X3713 J3721 X3802 J3812 X3820 J3827 X3833 J3905 X3911 J3918 X3924 J3931 X3937 J3945 X4004 J4011 X4018 J4026 X4100 J4111 X4117 J4135

J2832 X2840 J2915 X2923 J2932 X2940 J3005 X3011 J3018 X3024 J3109 X3116 J3123 X3129 J3209 X3216 J3223 X3229 J3309 X3316 J3323 X3329 J3337 X3410 J3417 X3423 J3430 X3506 J3515 X3523 J3602 X3608 J3616 X3623 J3630 X3705 J3714 X3721 J3803 X3812 J3821 X3827 J3834 X3905 J3912 X3918 J3925 X3931 J3938 X3945 J4005 X4011 J4019 X4026 J4101 X4111 J4125 X4135

X2832 J2841 X2915 J2924 X2932 J2941 X3005 J3012 X3018 J3101 X3109 J3117 X3123 J3130 X3209 J3217 X3223 J3230 X3309 J3317 X3323 J3330 X3337 J3411 X3417 J3424 X3430 J3507 X3515 J3525 X3602 J3609 X3616 J3624 X3630 J3706 X3714 J3722 X3803 J3813 X3821 J3828 X3834 J3906 X3912 J3919 X3925 J3932 X3938 J3946 X4005 J4012 X4019 J4028 X4101 J4112 X4125 J4136

X4136 J4202 X4208 J4216 X4222 J4229 X4302 J4309 X4316 J4323 X4329 J4403 X4409 J4417 X4423 J4430 X4437 J4508 X4514 J4523 X4529 J4539 X4545 J4607 X4615 J4622 X4706 J4716 X4731 J4740 X4805 J4812 X4819 J4826 X4832 J4906 X4912 J4920 X4926 J4933 X5006 J5013 X5020 J5027 X5033 J5104 X5111 J5120 X5126 J5134 X5142 J5204 X5212 J5219 X5303 J5310 X5316 J5324

J4137 X4202 J4209 X4216 J4223 X4229 J4303 X4309 J4317 X4323 J4330 X4403 J4410 X4417 J4424 X4430 J4501 X4508 J4515 X4523 J4531 X4539 J4546 X4607 J4616 X4622 J4710 X4716 J4732 X4740 J4806 X4812 J4820 X4826 J4833 X4906 J4913 X4920 J4927 X4933 J5007 X5013 J5021 X5027 J5034 X5104 J5112 X5120 J5127 X5134 J5143 X5204 J5213 X5219 J5304 X5310 J5317 X5324

X4137 J4203 X4209 J4217 X4223 J4230 X4303 J4310 X4317 J4324 X4330 J4404 X4410 J4418 X4424 J4431 X4501 J4509 X4515 J4524 X4531 J4540 X4546 J4608 X4616 J4700 X4710 J4717 X4732 J4741 X4806 J4813 X4820 J4827 X4833 J4907 X4913 J4921 X4927 J4934 X5007 J5014 X5021 J5028 X5034 J5105 X5112 J5121 X5127 J5135 X5143 J5205 X5213 J5220 X5304 J5311 X5317 J5325

J4138 X4203 J4210 X4217 J4224 X4230 J4304 X4310 J4318 X4324 J4331 X4404 J4411 X4418 J4425 X4431 J4502 X4509 J4518 X4524 J4532 X4540 J4601 X4608 J4617 X4700 J4711 X4717 J4735 X4741 J4807 X4813 J4821 X4827 J4834 X4907 J4914 X4921 J4928 X4934 J5008 X5014 J5022 X5028 J5036 X5105 J5113 X5121 J5128 X5135 J5144 X5205 J5214 X5220 J5305 X5311 J5318 X5325

X4138 J4204 X4210 J4218 X4224 J4231 X4304 J4311 X4318 J4325 X4331 J4405 X4411 J4419 X4425 J4432 X4502 J4510 X4518 J4525 X4532 J4541 X4601 J4611 X4617 J4701 X4711 J4725 X4735 J4801 X4807 J4814 X4821 J4828 X4834 J4908 X4914 J4922 X4928 J5002 X5008 J5016 X5022 J5029 X5036 J5107 X5113 J5122 X5128 J5138 X5144 J5206 X5214 J5221 X5305 J5312 X5318 J5326

J4139 X4204 J4211 X4218 J4225 X4231 J4305 X4311 J4319 X4325 J4332 X4405 J4412 X4419 J4426 X4432 J4503 X4510 J4519 X4525 J4533 X4541 J4602 X4611 J4618 X4701 J4712 X4725 J4736 X4801 J4808 X4814 J4822 X4828 J4902 X4908 J4916 X4922 J4929 X5002 J5009 X5016 J5023 X5029 J5037 X5107 J5114 X5122 J5129 X5138 J5145 X5206 J5215 X5221 J5306 X5312 J5319 X5326

X4139 J4205 X4211 J4219 X4225 J4232 X4305 J4312 X4319 J4326 X4332 J4406 X4412 J4420 X4426 J4433 X4503 J4511 X4519 J4526 X4533 J4542 X4602 J4612 X4618 J4703 X4712 J4726 X4736 J4802 X4808 J4816 X4822 J4829 X4902 J4909 X4916 J4923 X4929 J5003 X5009 J5017 X5023 J5030 X5037 J5108 X5114 J5123 X5129 J5139 X5145 J5207 X5215 J5222 X5306 J5313 X5319 J5327

J4140 X4205 J4212 X4219 J4226 X4232 J4306 X4312 J4320 X4326 J4333 X4406 J4413 X4420 J4427 X4433 J4504 X4511 J4520 X4526 J4534 X4542 J4604 X4612 J4619 X4703 J4713 X4726 J4737 X4802 J4809 X4816 J4823 X4829 J4903 X4909 J4917 X4923 J4930 X5003 J5010 X5017 J5024 X5030 J5101 X5108 J5115 X5123 J5131 X5139 J5146 X5207 J5216 X5222 J5307 X5313 J5320 X5327

X4140 J4206 X4212 J4220 X4226 J4233 X4306 J4313 X4320 J4327 X4333 J4407 X4413 J4421 X4427 J4434 X4504 J4512 X4520 J4527 X4534 J4543 X4604 J4613 X4619 J4704 X4713 J4727 X4737 J4803 X4809 J4817 X4823 J4830 X4903 J4910 X4917 J4924 X4930 J5004 X5010 J5018 X5024 J5031 X5101 J5109 X5115 J5124 X5131 J5140 X5146 J5208 X5216 J5301 X5307 J5314 X5320 J5328

J4141 X4206 J4213 X4220 J4227 X4233 J4307 X4313 J4321 X4327 J4334 X4407 J4414 X4421 J4428 X4434 J4505 X4512 J4521 X4527 J4535 X4543 J4605 X4613 J4620 X4704 J4714 X4727 J4738 X4803 J4810 X4817 J4824 X4830 J4904 X4910 J4918 X4924 J4931 X5004 J5011 X5018 J5025 X5031 J5102 X5109 J5118 X5124 J5132 X5140 J5201 X5208 J5217 X5301 J5308 X5314 J5322 X5328

X4141 J4207 X4213 J4221 X4227 J4234 X4307 J4314 X4321 J4328 X4334 J4408 X4414 J4422 X4428 J4436 X4505 J4513 X4521 J4528 X4535 J4544 X4605 J4614 X4620 J4705 X4714 J4728 X4738 J4804 X4810 J4818 X4824 J4831 X4904 J4911 X4918 J4925 X4931 J5005 X5011 J5019 X5025 J5032 X5102 J5110 X5118 J5125 X5132 J5141 X5201 J5211 X5217 J5302 X5308 J5315 X5322 J5330

J4201 X4207 J4214 X4221 J4228 X4234 J4308 X4314 J4322 X4328 J4402 X4408 J4416 X4422 J4429 X4436 J4507 X4513 J4522 X4528 J4538 X4544 J4606 X4614 J4621 X4705 J4715 X4728 J4739 X4804 J4811 X4818 J4825 X4831 J4905 X4911 J4919 X4925 J4932 X5005 J5012 X5019 J5026 X5032 J5103 X5110 J5119 X5125 J5133 X5141 J5202 X5211 J5218 X5302 J5309 X5315 J5323 X5330

X4201 J4208 X4214 J4222 X4228 J4302 X4308 J4316 X4322 J4329 X4402 J4409 X4416 J4423 X4429 J4437 X4507 J4514 X4522 J4529 X4538 J4545 X4606 J4615 X4621 J4706 X4715 J4731 X4739 J4805 X4811 J4819 X4825 J4832 X4905 J4912 X4919 J4926 X4932 J5006 X5012 J5020 X5026 J5033 X5103 J5111 X5119 J5126 X5133 J5142 X5202 J5212 X5218 J5303 X5309 J5316 X5323 J5331

X5331 J5415 X5422 J5430 X5436 J5506 X5512 J5602 X5609 J5619 X5627 J5636 X5644 J5703 X5709 J5716 X5722 J5729 X5736 J5743 X5750 J5806 X5814 J5822 X5903 J5911 X5926 J6028 X6104 J6121 X6204 J6219 X6305 J6313 X6319 J6326 X6332 J6402 X6409 J6417 X6425 J6432 X6503 J7409 X7417 J8011 X8021 J8101 X8107 J8115 X8122 J8129 X8168 J8320 X8326 J8333 X8339

J5332 X5415 J5423 X5430 J5438 X5506 J5513 X5602 J5611 X5619 J5628 X5636 J5646 X5703 J5710 X5716 J5723 X5729 J5737 X5743 J5751 X5806 J5815 X5822 J5904 X5911 J5927 X6028 J6105 X6121 J6207 X6219 J6306 X6313 J6320 X6326 J6333 X6402 J6410 X6417 J6426 X6432 J7401 X7409 J7418 X8011 J8022 X8101 J8108 X8115 J8123 X8129 J8169 X8320 J8327 X8333 J8340

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X5335 J5419 X5426 J5434 X5503 J5510 X5516 J5607 X5615 J5624 X5632 J5641 X5649 J5707 X5713 J5720 X5726 J5734 X5740 J5748 X5803 J5811 X5819 J5901 X5908 J5915 X5930 J6102 X6109 J6202 X6212 J6303 X6310 J6317 X6323 J6330 X6336 J6407 X6413 J6423 X6429 J6438 X7406 J7415 X8000 J8019 X8098 J8105 X8112 J8120 X8126 J8166 X8172 J8324 X8330 J8337 X8343

J5336 X5419 J5427 X5434 J5504 X5510 J5517 X5607 J5616 X5624 J5633 X5641 J5701 X5707 J5714 X5720 J5727 X5734 J5741 X5748 J5804 X5811 J5820 X5901 J5909 X5915 J6026 X6102 J6110 X6202 J6215 X6303 J6311 X6317 J6324 X6330 J6337 X6407 J6414 X6423 J6430 X6438 J7407 X7415 J8005 X8019 J8099 X8105 J8113 X8120 J8127 X8166 J8318 X8324 J8331 X8337 J8344

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J5338 X5420 J5428 X5435 J5505 X5511 J5601 X5608 J5617 X5625 J5635 X5643 J5702 X5708 J5715 X5721 J5728 X5735 J5742 X5749 J5805 X5813 J5821 X5902 J5910 X5925 J6027 X6103 J6120 X6203 J6216 X6304 J6312 X6318 J6325 X6331 J6401 X6408 J6415 X6424 J6431 X6439 J7408 X7416 J8007 X8020 J8100 X8106 J8114 X8121 J8128 X8167 J8319 X8325 J8332 X8338 J8345

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J24103 X24518 J24524 X24532 J24538 X24543 J24604 X24609 J25115 X25120 J25126 X25134 J25140 X25145 J25206 X25211 J25856 X25861 J26008 X26015 J26022 X26027 J26033 X26039 J26045 X26101 J26107 X26112 J26118 X26123 J26130 X26135 J26141 X26146 J26152 X26201 J26208 X26213 J26219 X26224 J26230 X26322 J26328 X26335 J26346 X26404 J26415 X26420 J26426 X26446 J26457 X27203 J27209 X27214 J27221 X27226 J27233 X27239

X24103 J24519 X24524 J24533 X24538 J24544 X24604 J24610 X25115 J25121 X25126 J25135 X25140 J25201 X25206 J25212 X25856 J26001 X26008 J26016 X26022 J26028 X26033 J26040 X26045 J26102 X26107 J26113 X26118 J26124 X26130 J26136 X26141 J26147 X26152 J26202 X26208 J26214 X26219 J26225 X26230 J26323 X26328 J26341 X26346 J26405 X26415 J26421 X26426 J26447 X26457 J27204 X27209 J27215 X27221 J27228 X27233 J27240

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J24515 X24520 J24526 X24534 J24540 X24545 J24606 X24611 J25117 X25122 J25131 X25136 J25142 X25202 J25208 X25852 J25858 X26002 J26011 X26017 J26024 X26029 J26035 X26041 J26047 X26103 J26109 X26114 J26120 X26125 J26132 X26137 J26143 X26148 J26154 X26203 J26210 X26215 J26221 X26226 J26232 X26324 J26330 X26342 J26348 X26411 J26417 X26422 J26433 X26448 J26459 X27205 J27211 X27216 J27223 X27229 J27235 X27241

X24515 J24521 X24526 J24535 X24540 J24601 X24606 J24612 X25117 J25123 X25131 J25137 X25142 J25203 X25208 J25853 X25858 J26004 X26011 J26018 X26024 J26030 X26035 J26042 X26047 J26104 X26109 J26115 X26120 J26126 X26132 J26138 X26143 J26149 X26154 J26205 X26210 J26216 X26221 J26227 X26232 J26325 X26330 J26343 X26348 J26412 X26417 J26423 X26433 J26449 X26459 J27206 X27211 J27218 X27223 J27230 X27235 J27242

J24516 X24521 J24527 X24535 J24541 X24601 J24607 X24612 J25118 X25123 J25132 X25137 J25143 X25203 J25209 X25853 J25859 X26004 J26012 X26018 J26025 X26030 J26036 X26042 J26048 X26104 J26110 X26115 J26121 X26126 J26133 X26138 J26144 X26149 J26155 X26205 J26211 X26216 J26222 X26227 J26317 X26325 J26331 X26343 J26349 X26412 J26418 X26423 J26439 X26449 J27201 X27206 J27212 X27218 J27224 X27230 J27236 X27242

X24516 J24522 X24527 J24536 X24541 J24602 X24607 J24703 X25118 J25124 X25132 J25138 X25143 J25204 X25209 J25854 X25859 J26005 X26012 J26019 X26025 J26031 X26036 J26043 X26048 J26105 X26110 J26116 X26121 J26127 X26133 J26139 X26144 J26150 X26155 J26206 X26211 J26217 X26222 J26228 X26317 J26326 X26331 J26344 X26349 J26413 X26418 J26424 X26439 J26450 X27201 J27207 X27212 J27219 X27224 J27231 X27236 J27243

J24517 X24522 J24531 X24536 J24542 X24602 J24608 X24703 J25119 X25124 J25133 X25138 J25144 X25204 J25210 X25854 J25860 X26005 J26014 X26019 J26026 X26031 J26038 X26043 J26049 X26105 J26111 X26116 J26122 X26127 J26134 X26139 J26145 X26150 J26156 X26206 J26212 X26217 J26223 X26228 J26318 X26326 J26334 X26344 J26350 X26413 J26419 X26424 J26445 X26450 J27202 X27207 J27213 X27219 J27225 X27231 J27238 X27243

X24517 J24523 X24531 J24537 X24542 J24603 X24608 J24704 X25119 J25125 X25133 J25139 X25144 J25205 X25210 J25855 X25860 J26007 X26014 J26020 X26026 J26032 X26038 J26044 X26049 J26106 X26111 J26117 X26122 J26129 X26134 J26140 X26145 J26151 X26156 J26207 X26212 J26218 X26223 J26229 X26318 J26327 X26334 J26345 X26350 J26414 X26419 J26425 X26445 J26456 X27202 J27208 X27213 J27220 X27225 J27232 X27238 J27244

J24518 X24523 J24532 X24537 J24543 X24603 J24609 X24704 J25120 X25125 J25134 X25139 J25145 X25205 J25211 X25855 J25861 X26007 J26015 X26020 J26027 X26032 J26039 X26044 J26101 X26106 J26112 X26117 J26123 X26129 J26135 X26140 J26146 X26151 J26201 X26207 J26213 X26218 J26224 X26229 J26322 X26327 J26335 X26345 J26404 X26414 J26420 X26425 J26446 X26456 J27203 X27208 J27214 X27220 J27226 X27232 J27239 X27244

J27245 X27251 J27258 X27303 J27310 X27315 J27322 X27328 J27334 X27339 J27345 X27351 J27358 X40032 X50004 J50010 X50015 J50021 X50026 J50032 X50040 J50046 X50051 J50061 X50066 J50072 X50077 J50083 X50088 J50094 X50099 J50205 X50210 J50216 X50224 J50230 X50242 J50248 X50260 J50266 X50271 J50277 X50282

X27245 J27252 X27258 J27304 X27310 J27316 X27322 J27329 X27334 J27340 X27345 J27352 X27358 X40034 J50005 X50010 J50016 X50021 J50027 X50032 J50041 X50046 J50052 X50061 J50067 X50072 J50078 X50083 J50089 X50094 J50100 X50205 J50211 X50216 J50225 X50230 J50243 X50248 J50261 X50266 J50272 X50277 J50283

J27246 X27252 J27259 X27304 J27311 X27316 J27323 X27329 J27335 X27340 J27346 X27352 J27359 X40037 X50005 J50011 X50016 J50022 X50027 J50033 X50041 J50047 X50052 J50062 X50067 J50073 X50078 J50084 X50089 J50095 X50100 J50206 X50211 J50220 X50225 J50231 X50243 J50249 X50261 J50267 X50272 J50278 X50283

X27246 J27253 X27259 J27305 X27311 J27318 X27323 J27330 X27335 J27341 X27346 J27353 X27359 X40045 J50006 X50011 J50017 X50022 J50028 X50033 J50042 X50047 J50053 X50062 J50068 X50073 J50079 X50084 J50090 X50095 J50201 X50206 J50212 X50220 J50226 X50231 J50244 X50249 J50262 X50267 J50273 X50278 J50284

J27248 X27253 J27300 X27305 J27312 X27318 J27324 X27330 J27336 X27341 J27348 X27353 X40002 J50001 X50006 J50012 X50017 J50023 X50028 J50034 X50042 J50048 X50053 J50063 X50068 J50074 X50079 J50085 X50090 J50096 X50201 J50207 X50212 J50221 X50226 J50232 X50244 J50250 X50262 J50268 X50273 J50279 X50284

X27248 J27254 X27300 J27306 X27312 J27319 X27324 J27331 X27336 J27342 X27348 J27354 X40008 X50001 J50007 X50012 J50018 X50023 J50029 X50034 J50043 X50048 J50054 X50063 J50069 X50074 J50080 X50085 J50091 X50096 J50202 X50207 J50213 X50221 J50227 X50232 J50245 X50250 J50263 X50268 J50274 X50279 J50285

J27249 X27254 J27301 X27306 J27313 X27319 J27325 X27331 J27337 X27342 J27349 X27354 X40009 J50002 X50007 J50013 X50018 J50024 X50029 J50035 X50043 J50049 X50054 J50064 X50069 J50075 X50080 J50086 X50091 J50097 X50202 J50208 X50213 J50222 X50227 J50240 X50245 J50251 X50263 J50269 X50274 J50280 X50285

X27249 J27255 X27301 J27308 X27313 J27320 X27325 J27332 X27337 J27343 X27349 J27355 X40010 X50002 J50008 X50013 J50019 X50024 J50030 X50035 J50044 X50049 J50055 X50064 J50070 X50075 J50081 X50086 J50092 X50097 J50203 X50208 J50214 X50222 J50228 X50240 J50246 X50251 J50264 X50269 J50275 X50280 J50286

J27250 X27255 J27302 X27308 J27314 X27320 J27326 X27332 J27338 X27343 J27350 X27355 X40013 J50003 X50008 J50014 X50019 J50025 X50030 J50036 X50044 J50050 X50055 J50065 X50070 J50076 X50081 J50087 X50092 J50098 X50203 J50209 X50214 J50223 X50228 J50241 X50246 J50252 X50264 J50270 X50275 J50281 X50286

X27250 J27251 J27256 X27256 X27302 J27303 J27309 X27309 X27314 J27315 J27321 X27321 X27326 J27328 J27333 X27333 X27338 J27339 J27344 X27344 X27350 J27351 J27356 X27356 X40018 X40019 X50003 J50004 J50009 X50009 X50014 J50015 J50020 X50020 X50025 J50026 J50031 X50031 X50036 J50040 J50045 X50045 X50050 J50051 J50060 X50060 X50065 J50066 J50071 X50071 X50076 J50077 J50082 X50082 X50087 J50088 J50093 X50093 X50098 J50099 J50204 X50204 X50209 J50210 J50215 X50215 X50223 J50224 J50229 X50229 X50241 J50242 J50247 X50247 X50252 J50260 J50265 X50265 X50270 J50271 J50276 X50276 X50281 J50282 WGT0195 WGT0296

K50002 K50004 K50006 K50008 K50010 K50012 K50014 K50016 K50018 K50020 K50022 K50024 K50026 K50028 K50030 K50032 K50034 K50036 K50053 K50055 K50061 K50064 K50067 K50069 K50072 K50073 K50075 K50076 K50078 K50079 K50080 K50082 K50083 K50084 K50086 K50087 K50089 K50091 K50092 K50094 K50095 K50097 K50100 K50228 K50231 K50232 K50248 K50251 K50252 K50261 K50263 K50265 K50267 K50269 K50271 K50273 K50275 K50277 K50279 K50281 K50283 K50286 -----------------------------------------------------------------------------------------------------------------------------------------------------