mu,.

,

IY~Y

3unWtl Ut LUNbUMtK HOUSEHOLD LISTING

hlNA.Nctb;-.PAtjtL UPDATE :

Pl-o]~Ct

6, (466243)

7203

3.

V.?.

you r”a~r9.d

-.“h.n w. t”t.rY1.w.d

GO TO ITEM

14

ON

REVERSE

S,DE (DATE OF ‘ 83 INTERVIEW)?

you on

GO

TO

ITEM

“4

ON

REVERSE

SIDE

FOR INFORMATION HOUSEHOLD LISTING 1983 CASE ID: 4128

ONLY HISTORY 1986 CASE ID: +***

BACK
7aoqd przwn% 0% hHI

1989 SURVEY OF CONSUMER FINANCES ~HOUSEHOLD LISTING UPDATE DATE

- PANEL

I
ProjPct 69 (466243)

SAMPLE 4. 5. 6. 7. 8.
[ASK
[ASK [IF

ID:

48-99-02-l-l

OF LAST

INTERVIEW:

07-01-83

IBOUT ABOUT ‘ NO’ IN ALL

EACH EACH COL

PERSON]
PERSON] 91 VhPn

In I. did

mat

month

.nd

y..r tn

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(PERSON1 hpu,.h~ld [ENTER

born, wr, ANSWER

[ENTER [ENTER IN AND COL.

ANSWER ANSWER n] I9

IN IN

CoL. COL.

ti 91

(PERSON) (PERSONj

I,vln,~ (meva

ywr

out/elm)? EXCEPT

[ASK OF f,nancl.ll”

HOUSEHOLD l”d.D.“dP”,?

ADULTS 21 [ENTER

YEARS AN0 OLDER. ANSVER IN COL.

RESPONOENI

SPOUSE.]

(PERSON,

*I

8a.

IUER:

I”~+cM.

‘ 89

R lay

p,ac,“g

ln

‘ R’

I”

Column

.

90 TO'0NAI.E

co TO
m.nYHr*,

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10 .
11.

mmt
IASK

ts tn.
FOR EACH EACH EACH

*.x.
NEW NEW NEY

*g..

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to
month

you
and

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w.P t”

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PERSON] PERSON] HOUSEHOLD

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“bat d+d

(PERSON) 14th II you7

Da-n’ ) [ENTER

[ENTER ANSWER

ANSWER IN CDL.

IN

COL. n]

f]

12. [ASK FOR
FOR

(PERSON) 32 YEARS

.OULT

AND

OLDER.1

(PERSON)

ffnanc1.lly

Indcw-nt?

3 4 5 -L:

I
P. d 65 (466293) FALL WINTER 1989 For Office Use Only

PANEL SCF

The University of Michigan Survey Research Center Institute for Social Research Ann Arbor. HI 48106

INTERVIEWER IABEL

1. IWER ID No.:

;

2. Your IW No.:

3. Date of IW:

3 -?

c-6

4. Length of IW:

7

(minutes)

5. Length of Edit:

(minutes)

6. Mode of IV:

1. O! Face-to-Face

3

2. cl Telephone

9- UQL Xm~,,,, Ca_.+t% THIS STATEMENT WUST BE P&AD TO ALL RESPONDENTS
This

interview is completely volunruy and confidential. If we should come to any question you do not r.nt to .nsrcr. let me knor and rt'll Bo on to the next question. Pour .nsrers vi11 ba kept completely confidential.

REVIEWED BY: SUPERVISOR 0 DATE EDITOR DATE

2
SECTION A: ATTITUDES AND FINANCIAL INSTITUTIONS

AO.

!XACT TIME NOW:

Al.

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

AZ.

Five years from now, do you think interest rates will be higher, same as today?

lower, or about the

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?

363

A4.

Over the fast five years. did your total (family) income go up more than prices, less than prices. or about the same 8s prices? .-I[ 11. UP MORE ) 12. UP LESS ) 13. ABOUT THE SAME j

vy

3
A5.

The next few questions are about the financial instirutions vith.

that you do business

How many financial institutions do you (and your family living here) have Include accounts vith or regularly do personal financial business with? banks, savings and loans, credit unions, loan companies, and brokerages. &z not include institutions where you have only a credit card account (IWER: ACCOUNTS USED ONLY FOR BUSINESS SHOULD u BE INCLUDED)

GO TO A5b

TURN TO P.

7. SECTION B

pii7

Uhat'is the name if this financial institution? (IWER: WRITE THE NAME OF THIS 1NSTIT"TION ON LINE 1 OF CARD A.

~~~~~

IF INTERVIEW IS IN PERSON, HAND R CARD A. READ:) This will be
referred to as Institution #l throughout the interview.

GO TO ASk

ASb. _. A5c. A5d. A5e. A5f. A5g. A5h.

IWER: ASK A5c - A5h AND WRITE NAMES OF FINANCIAL INSTITUTIONS ON CARD A. NOTE: ORDER IN WHICH INSTITUTIONS ARE LISTED IS NOT IMPORTANT. What is the name of your (family's) main financial institution? What is the name of your (family's) next financial institution? (And the third?) (And the fourth?) (And the fifth?) (And the sixth?)

~5j

(IF lW IS IN PERSON, HAND R CARD A, READ:) The institutions listed on this card will be referred to as Institution #l, #2, (3/4/5/6) throughout the Interview.

A5k.

Can you (or your family living here) deposit or vithdraw money from (this institution/any of these institutions) using an automated teller machine or ATM?

306
IUER: RECORD TOTAL NUMBER OF INSTITUTIONS (FROM A5) IN BOX A5m AT TOP OF NEXT PAGE

4
INSTITUTION #l A6. (About Institution #[l/2/3/4/5/61), what kind of institution is this7 (Is it a commercial bank, a savings and loan or savings bank, a credi, union, 8 finance or loan company, a brokerage, or what?) 11. COHn. BANK 12. %L/SVINCS BNY 13. CREDIT UNION 14. FIN./IJMN CO. 16. BROKEP.AGE
97.
OTHER:_ 97. OTHER:_

,:;;;I;'

/ ,~"'~~,"I~'

1

12. S&L/SVINGS BNK

12. S&L/SVINCS BNK

97.

OTHER:

-Ts!aL_
98. DON'T KNOW
AJ. 98.

31-A

-3lC

I
DON'T KNOW 98. DON'T KNOW How (do you/does your family) typically do business with this institution (--by ATM in person, by mail, by phone, or some other way)?
1.

I 1.
BY

BY ATM 's@

1. BY ATM

313

ATM31-7

2. IN PERSON 3. BY !lAlL 4. BY PHONE 6. DON'T DO REG. BUSINESS 7. OTHER

2. IN PERSON 3. BY MAIL -i.-BYPHONE 6. DON'T DO REG. BUSINESS
7. OTHER

2. IN PERSON 3. BY HAIL 1 4. BY PHONE 6. DON'T DO REG. BUSINESS 7. OTHER 1

AB. Roughly. hov 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.)

3to
MILES
96. LESS THAN

3 I‘ \
MILES 96. LESS THAN A ii1I.E

32
MILES 96. LESS THAN A MILE

A MILE

51. OVER 50 MILES 97. LOCAL PHONE OR POST BOX 98. DON'T KNOW 98. DDN'T KNOW 1. ONLY 2 INST. TURN TO P. 7. SECTION B I 98. DON'T KNOW I

A9. INTERVIEWER CHECKPOINT

7

(SEE A5m)

311 1. ONLY 1 INST. TURN TO P. 7, SECTION B

INST. I TURN TO P. 7. SECTION B

7 2. ALL OTHERS Go BACK TO A6, INST. X 2

7 2. ALL OTHERS GO 0 2. ALL OTHERS GO BACK TO A6, BACK TO A6. INST. *:4 INST. # 3

5

97.

OTHER:_

97. OTHER:_

2. ALL OTHERS GO

2. ALL OTHERS GO

6

THIS

IS

A BIANK PAGE

SECTION B:

ATTITUDES

TOWARD CREDIT/CREDIT

CARDS

Bl.

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?

B2.

People have many different reasons for borrowing money which they pay back over a period of rime. For each of the reasons I read. please tell me whether you feel it is all right for someone like vowself to borrow money...

qazB2a. qQB2b. 94B2c.

first, to cover the expe"ses.of next, to cover

a vacation trip?

living expenses when income is cut?

(next,) to finance the purchase of a fur coat or jewelry7 (next.) to finance the purchase of a car? finally. to finance educational expenses?

(10(B2d. (l*2e.

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. YES, TURNED DOWN I B3a. 3. YES, NOT AS MUCH CREDIT J 5. NO I GO TO 84

$7

4 Were you later able to obtain the full amount you (or your husband/wife) requested by reapplying to the same institution or by applying elsevhere?

B4

Was there any time in the past five years that you (or your [husband/wife]) m of applying for credit at a particular place, but changed your mind because you thought you might be turned down? 1. YES 0

B5.

Now

I have some questions about credit cards. living here) have any credit cards?

Do you (or anyone in your family

COLUMN

A

COLWN

B

TYPE_______> EXAMPLES--->

BANK-TYPE Visa. Mastercard. Discover. Optima

STORE Sears. K-Mart and other Dept. stores

86.

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.)

96. NONE ----:

l 96. NONE ----:

q/t

#ACCTS

VIP

#ACCTS

97. SOME. DK HOW MANY B7. During the last month, roughly how q ucl were the m charges made to (this/all these) (TYPE) account(s)? (ACCEPT RANGE) 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)? What is the maximum amount you could borrow on (this/all of these) banktype account(s); that is, what is your total credit limit? (Please look at Card A.) (Is this/ I31. are these) with any of the institution(s) (you told me about at the I12. beginning of the interview/on Card A), or from someplace else? (CtleCK I33. All THAT APPLY.) [IF CARD A: Which institution(s)?] [IF 11. "SOMEPIACE ELSE": What type(s) of institution(s)?] SO. il.

J9996. NONE

(

BE.

19996. NONE

1

B9.

GO

BACK TO B6. COL. C

BlO,

#l x2

04. x4 05. #5 #6

x3 ) 06. corm BANK
SEARS AN.

EXP.

37. OTHER: _ W-4/8

GO BACK TO B6. COL. B

9

COLUMN c GASOLINE Gulf, Texaco

COLUMN D

COLUMN E

GENERAL PURPOSE American Express, Diners Club, Carte Blanche

OTRRR Airline, Car Rental or other

I
196. I NONEI---->

I

II

196. NONE\-----:
ci2g
#ACCTS

. ~~-zTO

q22

aACCTS

I

4a

#ACCTS

97. SOME, DK
HOW MAh’ Y

$

425

9996. NONE I

9996. NONE

9996. NONE

s

Yzv
GO BACK TO B6, COL. D

I

$

427
GO BACK TO 86, COL. E

$

430

9996. NONE

9996. NONE

9996. NONE

Bll.

INTERVIEWER CHECKPOINT

SEE B6, COLUMNS

A AND B
STORE CREDIT CARI

1. R HAS EITHER BANK CREDIT CAP3 a P

q

2. ALL OTHERS-->NEXT PAGE, SECTION D

B12. Thinking only about bank cards or store cards, da you &nost alwavs, sometimes, or hardly evel;pay off the total balance oved on the account each month?

11
D5. What

is the legal ownership status of this (farm/ranch). Do you (or your family living here) own this (farm/ranch), do you ovn _ of it, do you rent it, is it ti owned by a business, or what? 7. OTHER: I

I

I
5a. m 5b.

NEXT PAGE. D6

P. 15. D17

Does the (farming/ranching) business pay any rent for the use of the property? 1. YES 5. NO -->GO TO I D5c

IF R OWNS m PART OF THE PROPERTY, CHECK BOX 2, "OWNS PART", AND FOLLOW SKIP TO D6. OTHERWISE, CO TO D5f.I

D5e.

7 How much rent do you (or your family living here) collect each month? $ PER 511

Do you (or your family living here) pay the business any rent for this house? s-14' 1. YES I TURN TO P. 15. D17 5. NO

NO SC.

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?

D5f.

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

5d.

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, vhac would it bring if it were sold today?

TDRN TO P.27, D68

TURN TO P. 16, D20

12 R OWNS
,6.

PAFIT OF FARM/RANCH
(farming/ranching) business pay m for the use of the property? (or your family living here)

Does the any rent

D6a.

How $

much

rent

do you PER

(or your cts

family

living

here)

collect

each

month?

cl8

17.

Do you (or anyone property? 1. YES

in your

family

living

here)

pay

any

rent

for

this

520

5. El
do you PER

NO

--> GO TO DE

7 D7a.

How much
$

rent

(or ybur 523.

family

living

here)

pay

each

month?

SZl

'8.

I will ask you more about the business operation later. Now I'd like about the part of the property that you (and your family living here) personall\! own. About what percent of the total property is that?

to as:

=3

PERCENT

OR

ACRES

9.

Do you (or anyone in your family immediately surrounding land?

living

here)

own

this

house

and

the

--> GO TO DlO

D9a.

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

lot?

10. Could ovn?

you tell me the present value of the entire I mean, what would it bring if it were sold

part of the property today?

you

TURN

TO P. 16. D20

Dll.

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 ovn only the mobile home, do you ovn only the site, do you rent both the home and site. or what? 7. NEITHER NEKT PAGE, D14

Dllf.

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

I
I
1

1 TURN TO P. 27. D681
I
I

Dlla.

About how much rent do you pay on this home each month?

$

6O1

PER

go3

Dllb.

Could you tell me the present value of the site? I mean, about what would it bring if it were $ sold today? In what month and year was this site purchased? How much did this site cost vhen it was purchased?

6oq

Dllc. Dlld.

$

607 GIFT/INHERITANCE

ASK VALUE WHEN RECEIVED TLW TO P. 16. D22

R OWNS ONLY MOBILE

HOME

About hov much rent do you pay on this site each month?

$

k.

PER

4's

Could you tell me the present value of this mobile home? I mean. about what would it bring if it were sold today? In what month and year was this mobile home purchased? How much did this purchased? mobile home cost when it was $

$ &+16

c/u

MONTH/W.AR 1113 GIFT/INHERITANCE ASK VALUE WHEN RECEIVED

I
14
R RENTS MOBILE HOME AND SITE
Dl3. About how much rent do you pay on this home and site each month?
In what month and year did you move Into this mobile home?

$

61s

PER

620

D13a.

I

611
$ 613

TURN TO P. 27, D68

R OWNS BOTH MOBILE HOME AND SITE
14. Could you tell me the present value of this home and site? I mean, about what would they bring if they were sold today? Were the site and mobile home purchased 1. YES 6xu separately? 5. NO

15.

[$ D15a.

In what month and year was this mobile home purchased?

.P DlSe.

In what year and month va, this mobile home and site purchased? 633l63cI MONTH/YEAR

+$&+ DlSb. How much did the mobile home cost when It was purchased? $

D15f.

62-1
GIFT/INHERITANCE

How much did the mobile home and site cost when they were purchased? $

b@

63s’

ASK VALUE WHEN RECEIVED D15c. In what month and year was this site purchased? 617 100 MONTH/YEAR D15d. How much did this site cost when it was purchased?

t)L

1 GIFT/INHERITANCE

ASK VALUE WHEN RECEIEVED TURN TO P. 16. D22

$

63r
GIET/INHERITANCE

6321

ASK VALUE WHEN RECEIVED TURN TO P. 16, D22

15
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 B or what? pert of s‘condo, co-op. tbvnhouse~ asso&tion,

1. OWNS OR IS BUYING; L4ND CONTRACT

> D16a. Is this a single family dwelling or

does the building have more than one one unit? 701 : 1. SINGLE HU-->NEKT PAGE, D19 2. MULTIPLE HU-->NEKT PAGE, DlB

[E/--X0

TO D17

5. TOWNHOUSE ASSOC.

D16b. How much are your (condo/co-op/ tovnbouse association) fees7 $703 PER-w NEKT PAGE, D19 7or

""""""""5'

D16c. How is that?

1 I

IF m IN R'S FAMILY LIVING THERE APPEARS TO OWN m PART, MARK "1. OWNS OR IS BUYING" IN D16, FOLLOW SKIPS IN D16a Dl6d. In what month and year did you move into this home?

I
3oL 170') MONTH '/ YEAR TURN TO P. 27, D68 R PAYS REM

J

017.

How much rent do you pay a month for this (house/apartment/farm/ranch)?

D17a. 710

Does that include some or all utilities? FYeS, 13.1 15.

D17b. Do you rent it furnished or unfurnished?

74
D17c.

piiiiq

3. PARTIALLY FURNISHED

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

113,

klONTH/YEAR

TURN TO P. 27, D6B

I
16
R LIVES IN MULTIPLE
Dig.

HU STRUCTURE

Do you own the entire building or just your unit?

Dlga.

The next few questions are about the entire property. How many housing units are in this building?

715

UNITS

D19. What is the present value of this (home and land/apartment/property)? I mean, about what vould it bring if it were sold today? (IWER: PROPERTY REFERS TO WHATEVER PART R OWNS OF THEIR HOUSE AND LOT, APARTMENT, BUILDING, FARl$.RANCH, I4OBILEHOt'lE, AND SITE.)

D20.

How much did it cost when it was purchased?

ASK VALUE WHEN RECEIVED D21. In what month and year was it purchased?

719 /tp
liONTH,'YEAR D22. What at-ethe real estate taxes per year on this (home and land/ apartment/property)?

17
D23. Is there a mortgage or land contract on this (home and land/apartment/ property)? (IF R ASKS, DO NOT INCLUDE HOKE EQUITY LOANS OR LINES OF CREDIT) II.1 2. YES, LAND CONTRACT NEXT PAGE, D27, COL. A 5. NO rl TURN TO P.21, COL. B, D40a

q

IF R SAYS BOTH MORTGAGE AND IAND CONTRACT. FOLLOW MORTGAGE SEQUENCE.

24.

Is the first or main mortgage . federally guaranteed mortgage, as FHA or VA? 1. YES 7 '"1

such

724 D24a. Does this mortgage carry any type of private mortgage insurance or PUI against default? (IF R ASKS: DO NOT INCLUDE MORTGAGE LIFE INSUFANCE.) 72+Gl a NEXT PACE. D27, COL. A

25.

1 Is it an FW program7

mortgage. a VA mortg.sge, or is it from some other

7. OTHER: I

26.

Why did you choose this type of loan? -7., 1

I

NEXT PAGE, D27, COLDHN

A

I

COUKN B .__.___ _ _ _ _ _ _ ____----2ND HORTGAGE OR 1ST MORTGAGE OR LAND CONTRACT IAND CONTRACT D33. Will the regular payments repay the loan completely, or will there be a balance payable, or "balloon" payment. when the loan is due?

5 8 COLuHhJ A
o-e*,

5ucc,cn

“i

19
COLUMN c -.-.-. HOME EQUITY LOAN

5c,m., 12

GO TO D35

D33a. What will the balance due or balloon payment be7

$

3’ 1
GO TO D35

I
I

5

412
GO TO D35

I I $ IQ17 I

D34. What is the typical payment and how often is it made?

$

83

$

?I3

D34a. When do you expect this loan to be repaid?

D35. What is the current annual rate of interest being charged on the loan? ._-___ _ ____ NEXT PAGE, D36, COL. A

_ ____ .___._____ NEXT PAGE, D36. COL. B

I

/OC/o ____ NEXT PAGE, D36, COL. C

..~ ,
.,.‘ ,,.~;,;

20

COLUMN c

L-

10
LOAN

HOME EQUIP

D36. (Please look at Card A.) Is the loan with any of the institutions (you told me about at the beginning of the inte view/o" Card A), or d> from someplace else? 1 (IF CARD A: Which \ institution? (IF SOMEPIACE ELSE: Uh't type of institution ist

03. #3 1 06. x6 11. corm. BANR 12. ShL/SV??CS BNR 14. FIN./LOAN CO. 17. INSURANCE CO,

1 03. x3 1 06. x6 11. cot&,Sr'K 12. S6L S!4tiCSBNY 14. FIN./UM' CO.

03. #3 1 06. #6 11. GOi%. BANK 12..ShL/SAVNGS BNK 14. FIN./LOAN CO. 17. INSURANCE CO. 18. MORTGAGE CO. 19. CONTRACTOR DEVELOPER 20. PRIOR OWNER 97. OTHER: _

17. INSURANCE CO.

18. MORTGAGE CO. 1 18. MORTGAGE CO 19. CONTRACTOR DEVELDPER 20: PRIOR OWNER 97. OTHER:_ I D37. Was the money from this loan used for the purchase of this home or for some other purpose? (What other purpose?) 19. CONTRACTOR DEVELOPER I 1 20. PRIOR OWNER 97. OTHER:_

11. PURCHASEb,g OTHER: qla )7. OTHER: /fJl?

q14
I

D38. 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 JocatioD of their offices, because you had done other buswith them. because it was pasier to aualLfy for the loan, or for some other reason? D39. Is this an adjustable

97.oTHER:

rate

(mortgage,loa");

that is, does it have a" interest rate that can NEXT PAGE rise or fall from time to time? NEXT PG. D39a.COL.A

NEXT PAGE, D40a. .coL: " _ w. _

TURN TO P. 22, D41 _ _ _ !S?O. - -

1ST MORTGAGE OR IAND CONTP.ACT D39a Does the change in your interest rate depend on some other interest rate?

I

2ND MORTGAGE OR IAND CONTRACT

I

1.

YES

D39b On what other rate does it depend?

D39c How often can your interest rate change? D39d When the interest rate changes, will the size of your monthly payments change at the same time? D39e What is the most the rate can rise at any one time?
(POINTS - PERCENTAGE POINTS) 226% / POINTS I

D39f What is the highest the rate can go over the life of the loan? 9995. NO LIMIT
I

D39g !&at was the interest rate on this mortgage when you first got it? D39m Is this a convertible mortgage; that is do you have an option to convert it to a mortgage with a fixed interest rate? Do you have a second mortgage or a land contract on this property? (Please do II& include any home equity lines of credit.) 1. YES, 2ND MTG w/-eCOlV7? COL. B have any (other) Loans that use this ,roperty as collateral? (Please do not include : 'ny home equity lines >f credit.) CO BACK TO -->P. 18, D27, t COLUMN c I --->NF.XT PAGE, Ml >
10 you

D40,

-,

GO BAC

IWER: A tlQclE EOUITY LINE OF CREU IS AN AGREEMENT WHERE THE R CAN BORROW AT ANY TIME USING THE HOUSE AS COLIATERAL. UP TO SOME LIflIT.

I

A WUITY IQ&$ IS A FIXED LENGTH, PAYMENT LOAN.

FIXED MONTHLY

I
22

SccCcn10
Do you (and your family living here) owe money on any (other) loans used far the (Please do purchase of this property. such as loans from relatives or the seller? not include any home equity lines of credit.) 1. YES

D41.

1031

5. 0

NO --> NFXT PAGE, D52

D42.

7 In what month and year was this loan taken out?

/0331,c34/
!4ONTH/YJiAR

D43.

How much was borrowed, not including finance charges? $

103r

D44.

Is this e 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?

r.
1

REGULAR INSTALLnENT

103c
>D 47. What is the typical payment. and how often is it made? $loyoP~_U&9996. NO TYPICAL PAYIUXTS

were agreed upon when the loan was received?

I

48. How much are the monthly payments? 14" $ iosy' PER "0 Ed

In vhat month and yeas do you expect this loan to be repaid?

w i9.

How much is still owed on this loan.7 $

L D50.

IOYC) * 1

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

D51.

(Please look at Card A.) Is the loan with any of the institutions (you told me about at the beginning of the interview/on Card A), or from someplace else? (IF CARD A: Which institution?) (IF SOMEPIACE ELSE: What type of institution is that?) #2 03. INST. )t3 04. INST. #4 05, INST. #5 06. INST. +6

,616/1(.jlIII((/
01. INST. a?1 02. INST Ill. ='"I 112. "&;;I""1

113. aERE;I

114. FIN&,.J

197. OTHER

]

.J'

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 m 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.) > TURN TO P. 25, D54

D53.

How many lines of credit do you (and your family living here) have? # LINES OF CREDIT

LINE OF CREDIT #l D53a. Is (this/ the largest/next) line of credit secured by the equity in your home? D53b. What is the maximum amount you could borrow on this line of credit7 D53c. Are you currently borrowing any money against this line of credit? D53d. What was the money used for? (What was its major use?) D53e. Hov much is currently owed? D53f. What is the typical payment and how often is it made7 NO TYPICAL PAYMRNTS D53g. What is the current annual rate of intcrest being charged on this loan?

LINE OF CREDIT U2

LINE OF CREDIT #3

!I03
$
IlOc(

N!XT PAGE D53h,LOC#l
IlOC
i/O>

NEXT PAGE D53h,LOC#; -v 111-t

NEXT PAGE D53h,LOC#:

!I&?
I /_^

Jf IK

$

If@3

$

iI70

$ Ii31

PERm

LuL%
_____

I ki_%
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _.__ _ _ ____

I
24
. _ . _ . _ _ _ _ _ _ . - _ - _ _ _ _ _ _ _ _ _

LINE OF CREDIT #l D53h. (Please look at Card A.) Is this line of credit wi any of the instit tions (you told me about at the begin f ning of the interview/on Card A), o1 from someplace else? (IF CARD A: Which 1 institution?) (IF SOI4EPIACEELSE What type of inst'rution is that?) IIf1 97. OTHER:_ i. \ D53k. INTERVIEWER CHECKPOINT 01. E ;A%:; D54 01. 4 1 02. x 2 03. x 3 04. * 4 05. * 5 06. It6

LINE OF CREDIT a2

LINE OF CREDIT rt3

03. # 3 1 06. # 6 11. COKU. BANK 12. S&L/ SAV BANK 13. CREDIT UNION 14. FIN: LOAN CO 16. BROKERAGE 97. OTHER:_ 11. COMH. BANK 12. S&L/ SAV BANK 13. CREDIT UNION 14. FIN; LOAN CO 16. BROKERAGE 97. OTHER:

11. COMH. BANK 12. ShL/ SAV BANK 13. CREDIT UNION 14. FIN; LOAN CO 16. BROKERAGE

fix3

113q

(SEE D53, P. 23)

III3

I I 3F4
u2. ALLOTHERS GO BACK TO D53a, LOC # 2. ALL OTHERS

cl 2. ALL OTHERS GO BACK TO D53.4,LOG et2

D53m. What is the total amount that you (and your family living here) currently owe on all other remaining lines of credit? $

1136

25
054.
H ave you exten;ive 1. YES (and your family living here) remodeling to this property? 1201 ever made any major additions or done

--> NEXT

PAGE,

D66

P D54a. r D54b.

: Roughly
such

what was the total cost of all major additions or remodeling?

$

1202

Other than what I have already recorded. do you (or your family living here) owe any money on loans taken out for these projects?

D55.

In what

V month

and year

was

the most

recent

such

loan

take"

out? tiONTH/YEXR

D56. D57.

How much

was borrowed.

not

including

finance

charges?

$

[ZCC month

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

D58.

How many monthly were agreed upon was received?

payments or years when the loan

60.

What is the typical payment, and how often is it made? $ WI PER NO TYPICAL \ZJ7_ PAY"ENT

9996.

D59. $

How

much

are

the monthly

payments?

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

ISIU

PER HO

-r 62. How much loan? is still owed on this

D63.

What

is the current IZIC %

annual

rate

of interest

being

charged

on this

loan?

26
D64. 1217 (Please look at Card A.) Is the loan with any of the institutions (you told me about at the beginning of the interview/on Card A). or from someplace else? (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?)

D65.

Do you owe money on more than one loan for home additions or improvements?

5a. Altogether, hov much is still owed on other loans for additions or improvements?

5b.

Altogether, how much are the monthly payments? $

19-2~

PER

IlZl

D66.

INTERVIEWER CHECKPOINT SEE P. 10, Dl Il. 1 R LIVES ON A RANCH OR FARM --> TURN TO P. 29, SECTION E

1

-

I222
2. ALL OTHERS

7. Do yo: or anyone in your family here) rent out any portion of this (house or lot/apartment/mobile home/building) to others? 1. YES IZz3~I -->TURN TO P. 29. SECTION E

i-' D67a. How much rent do you collect each month? $ \

r-w

PER

\zzs

1 TURN TO P. 29. SECTION E 1

D68.

Do you (or anyone in your family living here) have any lines of credit, not counting credit cards or business lines of credit? Please include such lines of credit even if you are not currently drawing against them. (IF R ASKS: A LINE OF CREDIT IS A FORHAL. AGREEIIENT VITB A LRNDER TRAT ALLOWS R TO BOIlROYUP TO A SPECIFIED LIMIT AND PAY IT OFF AS R DESIBBS.) --> TUW TO P. 29, SECTION E

D6Sa. Altogether. what is the maximum amount you could borrow on these lines of credit?

D6Sb. Are you currently borrowing any money against such lines of credit?

D6Sc. (Please look at Card A.) Are these lines of credit with any of the institutions (you told me about at the beginning of the interviev/on Card A). 01 from someplace else? (CHECK ALL TRAT APPLY.) (IF CARD A: Which institutions?) (IF SOHEPIACE ELSE: Vtat types of institutions are they?

1

111. COKM. BANK1 112. S&L/ SAV BANK] 113. CREDIT U?UONI
I
I I

I

I

pYG-EqFIW;W*NCOj
I
I
ITIJIUJ P. 29. SECTION E 1 TO

I

D6gd. How many such lines of credit are you currently borrowing against? I508 X LINES OF CREDIT (MC)

ENTER C OF LINES OF CREDIT AT D69. ON TOP OF NEXT PAGE

I

D69.

p-g

lt LINES

OF CREDIT

(LOG) LINE OF CREDIT X2 LINE OF CREDIT #:

LINE OF CREDIT Xl D70. What was the line of credit used for? (what was its major use?) D71. How much is currently owed? D72. What is the typical payment and how often is it made? $ $
(largest/next)

1310 13 II

1’ i:16 131-l

I311 1313

s
PERU

1328

$ 1311

PERl3-u

I

9996.

NO TYPICAL

PAYMENTS

D73.

What

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

J3’ w

%

D74.

(Please look at Card A.) Is the line of credit wit any of the institu tions (you told me about at the beginning of the lnterview/o" Card A), or from someplace else ': (IF CARD A: Which institution?) (IF SOMEPlACE ELSE: What type of instiis that?) !31b

03. (t3 ) 06. X 6 11. COHM. BANK 12. S&L/ SAV BANK 13. CREDIT UNION 14. FIN; LOAN CO 16. BROKERAGE 97. OTHER:_ 11. CON&l.BANK 12. %L/ SAV BANK

03. x 3 1 06. x I 11. COMM. BANK 12. S6L/ SAV BANI 13. CREDIT UNION 14. FIN: LOAN CO 16. BROKERAGE
97. OTHER:_

13. CREDIT UNION 14. FIN: LOAN CO 16. BROKERAGE
97. oTHER:_

I3211
i D75. INTERVIEWER CHECKPOINT flux: 0 1. NEKT PAGE, ECTION E 0 2. ALL OTHERS GO BACK TO D70, IJX X2 QKu2Loc'r PAGE, 131s SECTION E

1332

cl 1. NEKT

cl 1. NEXT
1333

m

(SEE D69)

3 LOC PAGE, SECTION E

0 2. ALLOTHERS GO BACK TO D70. IJX #3

2. ALLOTHERS P

D76. What is the total amount that you (and your family living here) currently owe on all remaining such lines of credit?

14
5 crc’”
El. SECTION E: OTHER PROPERTIES. IAND CONTRACTS

29

Have you (or anyone in your family living here) ever U 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: Ve do ~ want to include any property owned by a business which you own or have a" interest in.) FI (5.1~-> TURN TO P. 31, El4

E2.

,@.

Doe; the buyer still owe (you/your family) money on any of these notes, land contracts, or mortgages? rn (5. NO (--> TIJFBTO P. 31, El4 (l.,YES (

E2a. Altogether, on how many such loans (are you/is your family) owed money? 11NOTES/lAND CONTtiCTSMORTGAGES

scP+c* l,y
LOAN/LAND CONTRACT Xl E3. (About the [largest/ Is it next] loan . ..) a land contract, a mortgage. or a “ ore? 1. IAND CONTRACT LOAN/UND CONTRACT #2
1. IAND CONTRACT

2. HORTGAGE 1W GO TO E5

2. KORTGAGE ]coc( GO TO EI

E4.

Hov much are you (end your family) owed on this note? In what month and year was this (mortgage/land contract) taken out? How much did (you/your family) lend the borrover? How much is still owed on this (mortgage/land contract)?

$

IW

$

1505
NFXT PAGE, El1

NEXT PAGE, El1

NEXT PAGE, El1

E5.

E6.

E7.

__________-____-----_________I

NEXT PAGE, ES COL. 1

NEXT PAGE, EE COL. 2

NEXT PAGE, ES COL. 3

30 Ea.
payments

_

.+_4$_ _
$ PER

LOAN/ L.C. #2

16lO
IllI I

and how often are they due? GO TO El1 GO TO El1

E9.

now many years or payments were agreed upon when the (mortgage/ land contract) was taken Out?

196. NO SET NIJM ]

96. NO SET NUN

ElO. Will the regular pay1. REPAY mews pay off the (mortCOMPLETELY gage/land contract) corn. pletely or will there be a balance payable or "balloon" when the (mortgage/land contact) is due? ElOa. What vi11 the balance payable or balloon payment be?

I

1.
-1
$

!%ETELY

1

!(/g GO TO El1 5. BALLOON

LS’ lS’

Ell.

Do you (or your family living here) still B any money on loans for this property? Ella. How much do you still owe?

GO TO El2

GO TO El2

E12.

INTERVIEWER CHECKPOINT

(SEE E2a, P. 29)
2. ALL OTHERS GO BACK TO

PAGE, El4 rl2. ZLRS GO BACK TO P. 29, E3. COL +3

l-l

2. ALL OTHERS

E13. About hov much in total is owed to (you/your family) on the remaining notes. land contracts or mortgages7 c 1614 E13a. Do yp~? (or your family here) still owe any money on loans for these other properties7 > NEXT PAGE, El4

E13b. Altogether how much (do you/does your family) still owe?

$

krt
,-:~...., ... .

E14.

Do you (or anyone in your family living here) ovn any (other) real estate such as a lot, vacation home, apartment building. commercial property, including properties (IF YES SAY: We do m want to include any owned in partnership with ocher people? property owned by a business that you have an interest in, or any limited partnerships.) 1. YES 5. NO I --> TO P. 36, SECTION G

\@

E15.

p How many such properties do you (and your family living here) own or have an
Interest

in?
PROPERTIES I-lUZ PROPERTY 0 1

ItI'

La.
lab2

IB

5 ‘.*a*

14
t-302

PROPERTY # 2

PROPERTY # 3

E16.

(About the [largest/ next] property..) What type of property is this?

1703

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. OWNEDBYR GO TO El8 2. OWNED JOINTL'I 13. PARTNERSHIP 3. PARTNERSHIP 4. REAL ESTATE INVEST TRUST 7. OTHER _

11. OWNED BY R GO TO Elg 42. OWNED JOINTL! -3. -4. PARTNERSHIP REAL ESTATE INVEST TRUST

I
E17a. What percentage of the property do you (and your family living here) own? ElB. How much in total is this property worth; I meen what vould it brin, if it were sold today?

4. REAL ESTATE INVEST TRUST 7. OTHER _

-7. OTHER lcoy

/70(

PERCENT

/M

PERCENT

I?O.r PERCENT
$

j

1706

1906

(WE WANT THE TOTAL VALU: NOT JUST R'S SHARE. FOR Elg-E29, NOTE IF R ONLY moWSTHEIRS_.) I_______________________________ NEXT PAGE, El9 NF.XT PAGE, El9 COL. 1 COL. 2

NEXT PAGE, El9 COL. 3

I
32
E19. In what month and year was the property acquired? (When did R acquire it?) What was the total purchase price? (IF GIFT/INHERITANCE, ASK: VALUE WHEN RECEIVED'

5 -c
____._.__..-_.__.__

19

PROPERTY ti1

I

PROPERTY # 2

PROPERTY fl3

WI

[w

MONTH/WAR

Em.

‘ GIFT;INHEi. j&b

1

E21.

Are

there any outstanding loans or mortgages on this property?

E22.

In what month and year was the loan obtained or last refinanced?

MONTH/YEAR

HONTH/YEAR

%!%ii$

E23.

How much was borroved or refinanced?

141r

E24. How much is still owed?

or E25. How many years payments were agreed upon when the loan was taken out?

/-an

ItPYMNTS

I

Ia/6

x YEARS

!a/7 OR+ PYMNTS

NFXT PG. E25 E26. How much are the payments and hov often are they due?

NFXT PG. E29

NW(T PG. E25 s-L?_&--

NEXT PAGE, E29 E27. Do the payments include property taxes or insurance? (Which?) NFXT PAGE, E28 COL. 1

NEXT PAGE, E7.9

NEXT PAGE, E29

NEXT PAGE, E28 COL. 2

NEXT PAGE, E28 COL. 3
.... ,... .,

PROPERTY #l EZB. Will the regular payments repay the loan completely or will there be a balance payable, 01 "balloon" payment when the loan is due? EZBa.What will the balance due or balloon payment be?

PROPERTY rt2

PROPERTY X3

GO TO E31

$

1222
GO TO E31

I

GO TO E31

E29.

What

is the typical payment and how often is it made?

$1723 I> ,-

PER/?zf

E30.

When do you expect this loan to be repaid? What is the current annual interest rate being charged on the loan?

II I

NO TYPICAL PAYMENTS

172s’
YEAR

E31.

I

17tL
1727 II.1

%

1926 %
-11. YES1

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? (Please look et Card A. Is this loan with any the institutions (you told me about at the beginning of the interview/on Card A), or from someplace els (IF CARD A: Which institution?) (IF SOMEPlACE ELSE: is that?)

19 27
15. NO/

(5.1

uu

E33.

01. #l 02. #2 03. #3

04. 114 05. +5 06. n6 11. CONM. BANK 12. S&L/ SAV BANK 13. CREDIT UNION 18. MORTGAGE CO. 19. CONTRACTOR; DEVELOPER 20. PRIOR OWNER 97. OTHER:_ Ia8 _ _______._ NEXT PAGE, E34 COL. 2 11. COMM. BANK 12. S&L/ SAV BANI 13. CREDIT UNION lg. MORTGAGE CO. 19. CONTRACTOR; DEVELOPER 20. PRIOR OWNER 97. OTHER:_

ll. COKM. BANK 12. S.&L/ SAV BM 13. CREDIT UNION 18. MORTGAGE CO. 19. CONTRACTOR; DFVELOPER 20. PRIOR OWNER 97. OTHER:_

/52x
. . _ _ _ _ _ . NEXT PAGE, E34 COL. 3

_ _______. NEXT PAGE, E34 COL. 1

34

E34.

Did (you/your family living here) receive any income from this property in 19887 E34a. How much income did (you/ your family)
PZCeiVe?

GO TO E35 1727

$

173 0

IN '88

$

1230

IN '88 $

(93O

IN ‘ 88

I
1.

E35.

INTERVIEWER CHECKPOINT (SEE E15, P. 31)

q

1. Q&u

1 PROPERl-f,

-2

PROPERTIES TURN TO "'I .%C;;bN G 2. ALL OTHERS GO BACK TO PROP. a3 P. 31. El6

cl

1. m3 PROPERTIES TURN TO :,C;:,N G

'p3'

2. AU OTHERS GO BACK TO

q

2. ALL OTHERS

4

d
E36. About the remaining properties that you (and your family living here) own, of these vacation homes or land you use for recreational purposes? --> NEXT PAGE, E37 are any

E36a. HOW much in total is your (family's) share of these vacation homes or recreational property worth?

1

$

200-L

E36b. What was your (family's) total purchase price for these properties7

$

-2003

=w
ASK

GIFT/INHRRITANCE VALUE WHEN RECEIVED

E36c. Are there any mortgages or loans outstanding against these vacatior homes or recreational land? 1. YES Ir' 2@355. NO I --> NEXT PAGE, E36f

E36d. Altogether. about how much is owed on your (family's) share of these mortgages or loans?

35 ._____ _ _ _ ._ _ __...~ --..__...--__.......
and hov after E36e. How much are the payments on these loans or mortgages are they due? $ 2.~~ PER xg [I

E36f. Did you (or your family living here) receive any income in 1988 from renting out these vacation homes or recreational land? m F""--W&j E36h

E36g. Altogether. how much gross income did (you/your family)
KeCeiVe? $ -z.oro

E36h. Are there any remaining properties you own that you have not told me details about? 2o\l 1. YES II 1 , E37 For the remaining properties that you own, about how much in total is your I mean, what could you sell them for? (family's) share worth? 5. NO --> NFXT PAGE, SECTION G

E37a. About how much was your (family's) total purchase price for these properties?
$

zor3

Zol~

GIFT/INHERITANCE

ASK VALUE WHEN RECEIVED E37b. Are there mortgages or loans outstanding against these properties? mis I1.;IESj [5.1--> GO TO E37e

E37C. Altoiether, about how much is owed on your (family's) share of these mortgages or loans? 2016 $

E37d. How much are the payments on these loans or mortgages are they due?

and how often

$2017

PERH

NO REGULAR PAYMENT

g37e. Did you (or your family living here) receive any income in 1988 from renting out any of these other properties? 2017

-n

,,.YES

1

15. NO I--' NEXT PAGE, SECTION G

E37f. Altogether. how much gross income did (you/your family) receive in 1988? $ zo?._o

36
SECTION G: VEtlICL?S

Gl.

Are you (or anyone in your family living here) currently lm any cars or other vehicles? (IF YES, SAY: Do not include any vehicle that is leased by a business.)

I
G2.

1. YES

-->

NEXT PAGE, G7

4
how many cars or other vehicles do you (and your family living here) LEASED VEHICLES

Altogether,

r
G3.

VEHICLE

Xl

I

VEHICLE a2
I

I

What make and model is the (nevest/next) vehicle? (Z-WORD ANSWER: MAKE AND MODEL)

7-103 // MAKE/MODEL

2rro MAKE/MODEL

G4.

What model year is it?

ztoq

YEAR

2\1(

YEAR

G5.

How much are your monthly lease payments? G5a. How many years or months was the original lease?

$ 21as

PER 210.4.

s 7312

PERU13

?_._.

YRS OR-

HOS

2rr((

YRS

OR tx

HOS

G6.

INTERVIEWER

CHECKPOINT

(SEE G2)

q

;,?

;A;:?

q *. ;&Koz;,-;

:;

O" E :A:;"'%Rs 2116 2. ALL OTHERS 7

d G6.X. Altogether, about how much per month are the lease payments on your other leased vehicle(s)? $

I-117

PER2118

c7.

Do you (or anyone in your family here) m any cars. or any kind of truck, van. or include vehicles owned by a business. jeep-type vehicle? Do s 1. YES 7 G7a. 5. NO -->TURN TO P. 40. G24 I

CLO'

Altogether, how many such cars or other vehicles do YOU (and your family living here) m?

Lee,
VEHICLE Xl
GB.

23

VF.HICLE#2

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

7. OTHER:

2503
G9. /

I

z3q /
HAKE/MODEL

ANSWER: HAKE @ MODEL)
GLO.

*E/MODEL

What model year is

it?

230s
YEAR

2qw YEAR 2406 1. YES 5. NO Ii TURN TO P.39, G23 COL. 3

Gil.

Not

counting

any

.za 6
1. YES GO BACK TO GB FOR VEH. W2 OR TURN TO 4

230f-

loans I've already recorded, is any money still owed on loans for this (HAKE/MODEL)?

GO BACK TO G@ FOR VEH. #3 OR ruRN TO P. 40, G24

G12.

QUESTION OMITTED
i

I
NEXT PAGE, Cl4 COL. 3

G13.

In what month and year was the loan taken out?

ztcq IZZOP MONTH/YEAR
a---_--__--_______-_

2Yc-l ( 2qo-a MONTH/YF.AR
__---_---___-

NEXT PAGE, Gl4 COL. 1

NEXT PAGE, G14 COL. 2

aaa 38

2-2 5 __---_____
CriCI

_

_

5

crc*b _ _

23
_ _ _

zi - 5 _. _- . _
c_P.(-(L

VEHICLE #1
Gl4. How much was borrowed or financed?

VRHICLE x2

VEHICLE #3

G15. 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? G16. How many monthly
payments or years were agreed upon

GO TO Gl

GO TO GI

GO TO Gil

HI

X PAYMRNTS OR lxifz #YEARS

when the loan was

received?

I%-----GO TO G18 GO TO G18

Gl7. How much are the monthly payments?

4 2213 $

PKRHONTH

4 2313 $

GO TO 621

PER HONTl GO TO 621

4 fl3 s2’

PRRHONT~ GO TO C21

9996. NO REGUIAR

9996. NO REGULAR

G18. What is the typical payment and how often is it made?

-4

9996. NO REGULAR PAYMENTS

$221'4 PER ZZIS9996. NO

TYPICAL PAYMRNT

9996. NO TYPICAL PAYRENT

G19. In what month and

year do you expect this loan to be repaid?
GZO. How much is still

2*p
8

owed on this loan?
G21. What is the current

zzia

$

-&a
2314 %

annual rate of inter- 2214 % est being charged on - - - - - - - - - _ this loan? NEXT PAGE, G22 COL. 1

- - - _ _ - - _ _

- - - - _ _ _ _ .

2wj

%

NEXT PAGE, G22 COL. 2

NEXT PAGE, G22 COL. 3

VEHICLE a1 G22. (Please look at Card A.) Is the lo vith any of the institutions (you told me about at t e the beginning of 'r the interview/on Card A), or from someplace else? (IF CARD A: Which institution?) (IF SOHEPIACE ELSE: What type of institution is that?) I

VEHICLE #3

11. COHM. BANK 12. S&L/ SAV BANK 13. CREDIT UNION 14. FIN; LOAN CO 15. DEALER 20. PRIOR OWNER 21. AUTO FINAN6E/ MAC/ FORD CDT
97. OTHER:_

11. COtU4.BANK 12. S&L/ SAV BANK 13. CREDIT UNION 14. FIN; LOAN CO 15. DEALER 20. PRIOR OWNER 21.
AUTO

11. CONH. BANK 12. S&L/ SAV BANK 13. CREDIT UNION 14. FIN; LOAN CO 15. DEALER 20. PRIOR OWNER 21. AUTO FINANCE/ GMAC/ FORD CD1 97. OTHER:ZY%

FINANCE/ GHAC/ FORD CDI

97. OTHER:=*

G23.

INTERVIEWER CHECKPOINT

T-7

2221
m 1 VEH. NEXT PAGE, G24

ul.

0

232f
1. ONLY 2 VEH. NFXT PAGE, G24 1. ONLY 3 VEH. NEKT PAGE, G24 2. ALL OTHERS

(SEE G7a, P. 37)

0 2. ALL OTHERS BACK TO P. 37, GB. VEH. X2

cl 2. ALL OTHERS BACK TO P. 37, GB. VEH. x3

G23a. Hov much (is/are all) the other such vehicle(s) that you (and others in your family living here) own worth in today's prices?

G23b. Not counting loans I have already recorded, is any money still owed on loans for (this/these) vehicle(s)? F@++NOt> NEXT PAGE, G24

-v G23c. Altoaether. about how much is still owed on (this/these) loan(s)? (ACCEPT RANGE.)
$ wzy

G23d. Hov much are the total monthly payments on (this/these) loans?

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 purposes7 5. NO --> GO TO G25 cl

G24a. How many such vehicles do you (or someone in your family living here) regularly use?

2P;L
c25.

X BUSINESS VEHICLES

Do you (or anyone in your family here) m RV, boat, or airplane? 1. YES I zco3

any m

vehicles

such as a motorhome.

--> TLWN TO P. 44, SECTION H

NEXT PAGE, G2Sa

41
G25a.Altogether, hov many of these other vehicles do you (and your family living here)

G26.

What type of vehicle is (it/the newest/the next)(Is it a motorhome, RV, airplane. boat, or what?)

97.

OTHER:

2-s

97. OTHER: t&y

c27. About hov much is this (TYPE OF VEHICLE) worth? G28.
Not counting any loans that I have already recorded, is any money still owed on loans for this (TYPE OF VEHICLE)?

7-P’

I
G29. In what month and year was this loan taken out? How much was borroved or financed, u counting the finance charges? Is this e regular instalment loan where you pay a fixed dollar amcunt each month for a fixed number of months until the loan is repaid, or some other kind? How many monthly payments or years were agreed upon when the loan was received? 2<12 G30.

GO BACK FOR VEH TURN TO SECTION

TO G21 #2 OR P. 44, H

NFXT PG, G39

COL. 2 z&77

_;60% 12601 MONTH/YEAR

$

-25(0

$

2c1*

G31.

NEKT PAGE, G34

NEKT PAGE, G34

G32.

X PAYMENTS OR

2612

I
NEXT PAGE, G34

o PAYMENTS OR ;i3 #YEARS

NEXT PAGE, G34
i

NEXT PAGE, G33 COL. 1

NEKT PAGE, G33 COL. 2

42

S cr.%** 2 5’ 5‘rear. 26 .-___ _________.__-__._._
VEHICLE *1 VEHICLE #2

G33.

How

much are the monthly payments?

$ 2sIll GO TO 637

PER HONTH

5_e&.Y_&ER~ONTH

-1

[Fi

G34. what is the typical
payment and how often is it made?

t

$ %-fY

PER-u/6

$

2.6/S

PER .zJc

I
1

9996. NO TYPICAL PI4T

9996. NO TYPICAL PHT

G35.

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

G36.

How much is still owed on this loan? What is the current annua1 rate of interest being charged on the loan? (Please look at Card A,) Is this loan with any of the institutions (you to1d me about at the beginnin, of the interview/on Card A), or from someplace .Zl.W.? (IF CARD A: Which institution?) (IF SOHEPlACE ELSE: What tyQe of institution is that?) ZCZl

G37.

2s-m

%
04. x 4 05. It 5 06. Y 6

2620

%

G38.

1.

01. li 1 02. # 2 03. x 3

01. ff1 02. It 2 03. * 3

04. x 4 05. x 5 06. X 6

11. COhXERCIAL BANK 12. S & L/ SAVING BK 13. CREDIT UNION 14. FINANCE; LOAN CO 97. OTHER:

11. COHMERCIAL BANK 12. S h L/ SAVING BK 13. CREDIT UNION 14. FINANCE; LOAN CO 97. OTHER: '262(

G39.

INTERVIEWER CHECKPOINT

(SEE G25a, P. 41)

a 1. ~IVEHICLE 17 1. m 2 VEHICLES TURN TO P. 44, TURN TO P. 44, SECTION H SECTION H -26ZZ a-22cl 2. ALL OTHERS --> GO 'cl 2. ALLOTHERS BACKTOP. 41, NEXT PAGE. G39a G26. VEHICLE x2

43
G39a. How much (is/are all) the other such vehicle(s) living here) own worth? $ that you (and others in your family

-2623

[KNOW]

G39b. Not counting loans I have already recorded, is any money still owed on loans for (this/these) vehicle(s)? --->NEXT PAGE, SECTION H

G39c. Altogether,

about hov much is still owed on (this/these) loan(s)?

IG39d

How much are the total monthly payments on (this/these) loan(s)?

44

5
Hl.

ccc’ +

7-l
.

SECTION 8: LOANS

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: HZ. FOR EACH "YES", ASK: How many such loans do you have? 8. ..household appliances, furniture, 2102or hobby or recreational equipment? --> a. b. ..loans for educational expenses or medical bills? ..loans from friends or relatives? ..any other loans? (IF R ASKS: INCLUDE CHECKING ACCOUNT OVERDRAFTS. DO m INCLUDE LIFE INS. POLICY LOANS.)-~

c. d.

H3. IWER CHECKPOINT: ADD TOTAL NUNBER
OF LOANS FRON H2a _ H2d__________________> TURN TO P.'46, H16 <tic<.%2-l GO TO HG

5‘ PCIL 28
LOAN lt 3

LOAN 12

H4.

What was (this/the largest/the next) loan for? In what month and year was this loan taken out? How much WBS borrowed or financed. m counting the finance charges? Is this a regular installment loan where you pay 8 fixed dollar amount each month for (Lfixed number of months until the loan is repaid, or some other kind? How many monthly payments or years were agreed upon when the loan WBS received?

2.710 27 II

27 21 27ZZ 27LS , 273d
MONTH/YEAR

2gw

1

2g II m 2313 MONTH/YEAR

H5,

H6.

I $

T-731

H7.

NEXT PAGE. Hi0 1

3 1 NRXT PAGE, ~11

HE.

2

X PAYMENTS OR

I:,
NEXT

N&T
_______

PAGE. HlO 1
_____

N&T

PAGE, HlO

PAGE, H9 NEXT PAGE, H10

LJJANrtl H9.
Hov much are the monthly payments? $ -n'a PERMONTH GO TO H13

J_nANrt2
$ 273LPER MONTH GO TO H13

LOANS3 $ -Lx6 PF.R MONTH GO TO H13

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

Hll. In what month and

year do you expect
this loan to be repaid? MONTH/WA

I
H12. How much is still owed on this loan? H13. What S

I
I

I
I

I
$ 2323

2723 y” I

$

-?--MO I

is the current

annual rate of interest being

1 -~72’ d

I

charged on this loan?
H14. (Please look at

01. Xl 02. x2 I 03. w3 11. COMM BANK 12. ShL/SAVNGS BANK
i

04. #4 05. a5 06. ~6

01. #l 02. a2 03. #3

04. #4 05. #5 06. a6

Card A.) Is this lo n with any of the institutions (you told me about at thi beginning of the \
interview/on Card A or from someplace 1,

11. COMM BANK

11. COMM BANK

else?

12. ShL/SAVNCS BANK1 12. SfxL/SAVNGS BANK )

(IF CAR5 A: Which institution?)

13. CREDIT UNION 14. FIN/LOAN CO 15. STORE/DEALER 97. OTHER:
97.
0THF.R:

(IF SOMEPIACE ELSE: What type of insti-

2w-l.

97. OTHER: zaz<

Hl5. INTERVIBWER

CHECKPOINT (SEE H3, P. 44)

1lZC cl 2. ALLOTHERS-X0 BACK TO P. 44, H4, COL. 2

H16 27’ 43 Cl 2. ALL OTHERS-XC 10 BACK TO P. 44, H4, COL. 3

H16

2iIL6

2. ALL OTHERS-X0 TO W(TRA LOAN NEXT PAGE, H4

45a

I
H4

EXTRA LOAN PAGE

L 29 LOAN6 *

H5

In vhat month and year was this loan taken out? Hov much was borrowed or financed, npf counting the finance charges? 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? How many monthly payments or years were agreed upon when the loan was received?

I

H6

$

2831

H7

NWT

PAGE, Hl(

NEXT PAGE, HlC

I

NEKT PAGE, HlO

HB

NEKT PAGE, HlO

NUT

PAGE, HlO

NEXT PAGE, HlO

I
How much are the monthly payments?

45b
EXTRA LOAN PAGE I

5.m 28

SW 25
LOAN *

5,. 29
5
LOAN *

6

$ t43s PER MONTH GO TO H13

NO REGuIAFt

PYMNTS

NOREGUIARPWNTS

HlO. What is the typical payment and hov often is it made?

s
9996. NO TYPICAL PAWFaN'I
9996. NO

TYPICAL PAYMENT

Hll. In what month and year do you expect this loan to be repaid? H12. How much is still owed on this loan? H13. What is the current annual rate of interest being charged on this loan;

MONTH/YEAR

MONTH/YEAR

c

22YO

$

2’ ib i‘

27q, %

;H14. (Please look at 1Card A.) Is this lo I vith any of the institutions (you told me about at t/ e beginning of the ! interviev/on Card ), or from someplace \ else? (IF CARD A: Which institution?) \ (IF SOMEPLACE ELSEj what type of insti tution?)

01. a1

04. x4

01. #l

1 04.

a4

11. cow

BANK

11. COHH BANK 12. %L/SAVNGS BAN1 13. CREDIT UNION 14. FIN/U)AN CO 15. STORE/DEALER 97. OTHER:22 LS'

4=
02. a2 03. x3 11. COMn BANK 97. oTHEx:ZFYZ
NEXT PAGE,

01. It1

04. #4 05. x5 06. X6

12. S&L/SA"NGS BANK 13. CREDIT UNION 14. FIN/LOAN CO 15. STORE/DEALER
97. OTHER:

12. SbL/SAVNGS BANK 13. CREDIT UNION 14. FIN/LOAN CO 15. STORE/DEALER

H15. INTgr&xww CHECKPOINT (SEE H3, P. 44)

I [

H16

46 H16.
INTERVlEWER CHECKPOINT

1. R HAS ANY NPE

OF LOAN OR DEBT -- MORTGAGE. HOUSING LOAN, PROPERTY, VEHICLE OR OTHER LOANS 2. ALL OTHERS --->NEXT PAGE, SECTION J

cl
H17.

Thinking about the loan or mortgage that you took cat mast recently, what was the main reason you chose the lender that you did? Was it because of the location of because you were able to their offices. because they had the Pest interest rw, obtain paw services at one place, because they were ~commended by someone else, or some other reason? 03. LOCATION OF OFFICES
06. K4NY SERVICES IN ONE PIACE

-3@2

[011

197. OTHER:
I I

HIE.

(READ SL0VL.Y:) Again thinking about the same loan, roughly how far was the office where the application was made from the home or vorkplace of the person who made the application? (IF R ASKS: WE WANT THE CLOSER OF THE DISTANCE FROl4HOME OR OFFICE.) (ACCEPT RANGE.)

3003

MILES

19,. L!ZSS THAN A MILE

1

151.

198.

H19.

Now thinking of all the various loan payments you made during the Last veay, were all the payments made the way they were scheduled. or were payments on any of the loans sometimes made later or missed?

pTzzzyq
Nw(T PAGE, SECTION J Hl9a. Were you ever behind in your
payments by two months
or more?

‘ -

47
SECTION J: SAVINGS ATTImES

Jl.

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? (Do NOT PROBE "AO".)

32.

In deciding how much of their (family) income to spend or save. people are I" planning your likely to think about different financial planning periods. (family's) saving and spending. what time period is most important to you (and your [husband/wife])? Would you say the next few months, the next year, the next few years, the next S-10 years, or longer than 10 years? 52. t4OST WORTANT 1. NEKT FEW MONTHS 2. NFXTYFAR 3. NEKT FEW YEARS 4. NFXT 5 - 10 YF.ARS 5. LONGER THAN 10 YEARS 53. LEAST JMPORTANT

53.

Which is the m

important to you? (RECORD ANSWER IN GRID ABOVE.)

54.

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.) ------>NEXT PAGE, 35

J4a.

What kinds of obligations are these7

(CHECK ALL THAT APPLY.)

97. OTHER:

48
55. Which of the following statements comes closest to the amount of financial risk that you (and your [husband/wife]) are willing to cake when you save or make investments? (IUER: READ OPTIONS.)

3C)lL(

0 q
0

1. TAKE SUBSTANTIAL FINANCIAL RISKS EXPECTING TO EARN SUBSTANTIAL RETURNS. 2. TAKE ABOVE AVERAGE FINANCIAL RISKS EXPECTING TO EARN ABOVE AVERAGE RETURNS. TAKE AVERAGF FINANCIAL RISKS EXPECTING TO EARN AVERAGE RETUP.NS.

I.-l3
4

m

WILLING TO TAKE ANY FINANCIAL RISKS.

56.

Some families don't spend all their income and do some saving, some spend more than their income and dip into their past savings, while others spend just about as much as they take in. Which is true for you (and your husband/wife) -- don't spend all your i?come, spend more than income, or spend about as much as income?

NEXT PAGE, 57

J6a.

Please tell me which of the following statements describes your (and your [husband's/wife's])saving habits? Do you...

1. SAVE WHATEVER IS LEFT OVER AT THE END OF THE MONTHS -- NO REGULAR PIAN 2. SAVE INCOME OF ONE FAMILY NEEIBER,SPEND THE OTHER 3. SPEND REGUIAR INCOME, SAVE OTHER INCOME 4. SAVE REGULARLY BY PUTTING MONEY ASIDE EACH MONTH

49
57. Now I'd like to ask a fev questions about how you see various risks. First. on a scale from 0 to 10, vhere 0 equals almost no risk and 10 equals very great risk, what do you think is the risk that the U.S. economy vi11 experience a major depression sometime during the next ten years or so?

-302q-g
ALMOST NO RISK

q q q q q

p-J

q q

u

q

VERY GREAT RISK

J8.

And

what number vould you give to the risk that the U.S. economy vi11 experience double digit inflation sometime during the next ten years or so?

30~7~~~~~~~~~~1'o) ALMOST NO RISK VERY GREAT RISK

J9.

On a different scale, vhere 0 equals totally inadequate, 5 equals enough to maintain your living standards and, 10 equals very satisfactory. how would you rate the retirement income you expect to receive from Social Security and job
p?“SiO”S?

TOTALLY INADEQUATE

WOUGH TO MAINTAIN LIVING STANDARDS

VERY SATISFACTORY

J10.

When making & decisions about borroving and saving, some people shop around for the very best terms while others don't. On a scale of 0 to 10, where 0 equals almost no shopping and 10 equals a great deal of shopping, where vould your family be?

,o,,~o,~I,,~~~~~~~ AMOST NO SHOPPING A GREAT DEAL OF SHOPPING

SECTION W:

BUSINBSSES

INTERVIEWER CHECKPOINT

SEE D3, PAGE 10 1. R OR R'S FAMILY OPERATE FARM/RANCH BUSINESS
ON THEIR PROPERTY (R ANSWERED "YES" TO D3) '310' 2. ALL OTHERS -->GO TO M3

HZ.

In&ding your (farm/ranch) business here. in how many (farms/ranches). privately-held businesses, professional practices or partnerships do you (or your family living here) ovn or share ownership in & have a" active management role? (INCLUDE THE GENERAL PARTNERS IN A LIMITED PARTNERSHIP, BUT NOT THE LIMITED PARTNERS.)

‘ 3101

# BUSINESSES

DO NOT INCLUDE CORPORATIONS WITH PUBLICLY-TRADED STOCK OR ANY PROPERTY PARTNERSHIPS THAT HAVE ALREADY BEEN RECORDED IN SECTION E.

M2e.

READ THE FOLLOWING: I will ask you first about your (farm/ranch) business.

RECORD IIOF BUSINESSES (FROM HZ) IN BOX !,5AT TOP OF NEXT PAGE, THEN GO TO H5a M3.

Do you (and your family living here) own or share ownership in any privatelyfarms, professional practices or partnerships? held businesses, (SEE INSTRUCTION IN BOX ABOVE.) -->lWRN TO P. 59, SECTION N

3ia3

Hi.

Do you (or anyone in your family living here) have a" active management role in any of these businesses? (INCLUDE THE CWSRAL PARTNERS IN A LIMITED PARTNERSHIP, BUT m THE LINITED PARmERS.) l.YES 7 M4a. 5. NO --Z-TURN TO P. 55, M20a I

3104

In how many businesses do you (or anyone in your family living here) have a" active management role?

3:lo.f

#

BUSINESSES

ENTER X OF BUSINESSES AT !I5ON TOP OF NEXT PAGE

.

I

51

MS.

-1
iha: kind of bus.~css Is ci:/ -he largcrc busi. ncss/:he next business) -that is. what does the buslncs! make or do? Hov did you (or your family living hare) rcquira this business; was it bought or invested tn. by you. started inherited, given to you. or what?

*

Ot BCSiSEfSiS

!45a.

no7

x3307

!46.

3.

INHERITED

3.

I!.H;HERITED

I‘ .
7.

GIVEN
0THeR:

I
CO !I?.

TO Ha

CO

TO ffB

CO

TO 38

‘ ih.n

you investad did you (or anyon. in your family living her*) intmd to make day-to-day dmclslons and work .t lust 5 hours p.r weak lr the business?

(1. pq x3109

x3110 YEAR

y73. IO
YEAR

x3310
YEAR

___....._____._.-___-~~_-..---.
NECf PACE.

N9a.

N!ZXTPACE. tt9a
COLum 2

NEXT PACE. U9a
couna 3

c0LlJm 1

M9a. INTERVIEWER CHECKPOINT: (SEE HHL UPDATE, ITEM #9a)

M9b.Which members o. E your family living here worl k In the business' ? iF m R OR SP (CHECK ALL THAT iF ONLY R OR SP CHECKED, GO TO M9d I CHECKED, GO TO H9d APPLY.) C. ADULT C D. OTHER ADULT D. OTHER ADULT

I

BUSINESS # 1

BUSINESS tl2

BUSINESS tt 3

I

3117, -

GO TO H9d

GO

TO M9d

2. ALL OTHERS

+

R

3313 1

C. ADULT CH

nsc.

(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?

-51ra

HRS

3218

HRS

3312

HRS

H9d. Is it a partnership, a sole 1 proprietorshi , , a subchap+/
COpXZItiO”. h

1. PARTNERSHIP 2. SOLE PROPRIET. -3. SUBCHAP. S 4. OTHER CORP. 7. OTHER i

1. PARTNERSHIP 2. SOLE PROPRIET. 3. SUBCHAP. S 4. OTHER CORP. 2. SOLE PROPRIET.

another type of/ corporatio", 0 what? t

NEKT PAGE, HlO READ ONCE, FIRST TIME THROUGH GRID: These next few questions are about personal finances and the finances

NEKT PAGE, MlO, COLUMN 3

NEXT PAGE, HlO. COLUMN 1
‘ j

se31 . - -Srr3 1 __ ---------...__...... <cc 33 - - __
BUSINESS fc1 l410.Are you (or your family living here) using personas assets as collateral or did you have to cosign or guarantee any loans fo1 this business? HlOa. How much is guaranteed or collateralfzed? BUSINESS # 2 BUSINESS X 3

53

pi--J
GO TO Ml1 GO TO Ml

[I
GO TO Ml1

$ 31-21

$

3321

MlOb. Did I record this earlier?

Mll. (Other than guar. antees,) does thr business owe you (or your family living here) any money7 GO TO Ml2 Hlla. How much is oved? GO TO Ml2

I

GO TO Ml2

$

3tzq

H12. Do you (or your family living here) owe the $usiness any money? NEXT PAGE, tl13 HlZa. How much do you owe? HlZb. Did I record this earlier? NEXT PAGE, Ml3 NEXT PAGE, Ml3

______________ _
I

NEXT PAGE, Ml3 COL 1

NEXT PAGE, I413 COL 2

NEXT PAGE, Ml3 COL 3

54 _ _ Lr32 _ _ _ _ ___
BUSINESS X 2 H13. what percentage of the business do you (and your family living here) own? BUSINESS tl 3

1100.1
317-a
PERaNT

)lOO. NL
322%
3221

]

PERCENT

H14. What could you sell it for? (what is your share worth?) 1 NOTHING )

332-j

j-i&G]
[

1 NOTHING )

[ DON'T KNOW 1 M15. If you sold the business now. what would be the cost basis for tax purposes of this share? (What was your original investment?) M16. What
$

DON'T KNOW\

( DON'T

KNOW

1

3130
1 NOTHING 1

c 33-t-O

pi&E-]

1 NOTHING ]

were

the

$ 3131

$ -5z3r

$

33331

m of the business as a vhole in 19BB? M17. What was the business's total net income before taxes in 19881 U18. What is the m book value of all Ovners' or shareholders' equity in this business? a19. 1NTFxv1EuER CHECKPOINT

$

3132

$ 323~

$ 3332

5

3t33

$ 3233

$ 3333

P. 51)

(SEE MS,

939

1. ONLY 1 BUS. NEXT PAGE,

1
7

wo

1. ONLY 2 BUS NEXT PAGE, szq H20 2. ALLOTHERS GO BACK TO P. 51. l45a BUS. X3

cl
q

1. ONLY 3 BU! NEXT PAGE

333y

x-20

2. ALLoTHERs GO BACK TO P. 51, nsa BUS. X2

2. ALL OTHER! NEXT PAGE, n19a

I
55
H19s. For the remaining business(es) you (and your family living here) own and actively manage, what could you sell your share for? (Vhst is your share worth?) $

333s

H19b. If you sold (these businesseslthis business) now. vhst would be the cost basis for tax purposes of your share? (What was your original l"vestme"t7) $

3 33c

pii&q

piFiG]

n19c.

Whatvss the total "et income you (and your family living here) received
from (these businesses/this $ business) in 19887

3337

in your family living here) own or have a" interest in any businesses or partnerships where you do not have a" active management

5. NO -->.TURN TO P. 59, SECTION N cl

M20a.

H ow many of these (other) businesses or partnerships family living here) own or share ovnership in? I01.,0~gJ OR (OTHER:
I

do you (and your

XI&z

NuELBER

/--->NEXT PAGE, ~421
I

4

H20b. Is it a sole-proprietorship, a limited partnership, another type of partnership. a Subchapter S-corporation. another type of corporation. or what? 3,+,3 12.1 15. LIMITED PIIRTNWHIP] II.1

mSUBCHAeTU(

(4.1

7. OTHER:

H20c. What could you sell your (fsmily's) share for?

(What is it vorth?)

$

3w

1NOTHING J
ii

H20d. If you sold this (business/partnership) now, what would be the cc.st basis for tsx purposes7 (What wss your original l"vestme"t7) $ 3Yof

I/ i/

H20e. Whet "ss the total "et income you (end your family living here) received from this (business/partnership) in 19887 $

3YOC

----->TURN TO P. 59, SECTION N

56
H21. (I need to knov what type of businesses these are.) Are any of them (TYPE)? (IUER: FOR EACH YES, ASK FOLLOW-UP QUESTIONS I422 _ ?424)

What could you

If you sold these cost basis for tax purposes of these shares? (Ubat was

of all these (TYPE) for? (What is it

n24. What was the total net lncome you (and your family living here) received from all such (TYPE) in 19887

TYPE 1. Limited Partnerships? ---> 1. Other Partnerships? $

~

~~~

7qoa

$

KYO?

$

3410

-4Subchapter S :.
Corporations?

I

I

-1Other Corporations? 3.

I

I

I

f. A;lyother type7

I

I

I

NlXT PAGE, SECTION N

NEXT PAGE, SECTION N

PAGES 57 AND 58 DO NOT APPEAR

IN THIS QUESTIONNAIRE

I
59
SECTION N: FINANCiAL ASSETS

I;:~

Sow

I’ d vo’ (or u

like to ask about dlffcmnc types of assacs anyone in your family 1ivig.g here) have my

cha: vou might have. checking l ccmxcs?

F:rs:.

‘ 2

.SEx’ PACE. .

$2.

Have you

N2a. x3503

(RB. P. raaron

10) (you

Looking at don’ t/your

this list. please call m which family doesn’ t) have a checking

is the w account.

bpor-.rr.:

01.

DON’ T

WRITE ENOUGH CHECKS TO HAKE IT b’ ORTH’ .WILE

Ok.

SERVICE

CHAAGES

ARE

TOO HIGH

02.

NININLM BAUNCE IS TOO HIGH

I

OS. NO BANK HAS CONVENIDT HOURS OR LOCATION

03.

DO NOT LIKE DEALING ‘ 41X-l BANKS

97.

OTHER:

I

TURN TO P. 62, N10

60
N3.

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

(IF R ASKS: INCLUDE KONEY MARKRT ACCOUNTS WITH CHECK-WRITING PRIVILEGES ONLY IF THEY ARE AT BANKS, SAVINGS AND LOANS, OR CREDIT UNIONS)

ACCOUNT N4.

Sl

ACCOUNT #2

ACCOUNT #3

(Please look at Card A.) 04. #4 01. Xl (Thinking about your main checking account, 02. x2 05. *5 the one used to write most of your checks, / 06. X6 03. *3 About the next account) is this account with any 11. COHM. BANK of the institutions (you told me about at 12. S&L/ SAV BANK the beginning of the interview/on Card A), or 13. CREDIT UNION from someplace else? (IF CARD A: Which insti- 16. BROKERAGE tution?) (IF SOHBPUCE ELSE: What 97. OTHER:_ type of institution is 3s-osthat?) How much is in this account? (What was the average over the last month?) Is this a money markettype account?

11. COMM. BANK 12. S&L/ SAV BANK 13. CREDIT UNION 16. BROKERAGE 97. oTHRR:_ TSOC

11. CORM. BANK 12. S&L/ SAV BANl 13. CREDIT UNION 16. BROKERAGE 97. OTHER: WI3

NS.

$

35-d

$

3-w

N6.

N7.

INTBRVI!ZWRR CHECKPOINT
(SEE N3)

I-

u

‘ Jvx

3f16
Am
7 1. m 2 ACC TURN TO ssi> P. 62, N9 7 2. ALL OTHERS GO BACK TO N4. ACCT X3 1. w 3 ACC TURN TO P. 62, N9 2. ALLOTRRRS GO BACK TO N4, ACCT ti

‘ .Qt$,‘ ,

P. 62, N9 cl 2. ALLOTHRRS GOBACKTO N4, ACCT +2

61

ACCOUNT

y4

I

ACCOUNT X5

I

ACCOUNT rt6

1

11.

COMM.

BANK 12. S&L/ SAV BANN 13. CREDIT'LJNION 16. BROKERAGE 97. OTHER:_

11. COMM. BANK

12. S&L/ SAV BANK 13. CREDIT UNION 16. BROKERAGE 97. OTHER:_

16. BROKERAGE

0
El

1. YES 3!-27 35-v 1.m4ACCT NEXT PAGE, N9 3rzc' 2. ALLOTHERS GO BACK TO P. 60, N4s ACCT. X5 cl 1. m 5 ACCT NEXT PAGE, 0 N93r2J 2. ALL OTHERS GO BACK TO P. 60. N4 ACCT. #6 1. m 6 ACC T NEXT PAGE, N9 2. ALL OTHERS

0

NB.

P HOW much is in all your (family's) remaining checking accounts? (What was the average over the last month?)

5

3szq

d

62
N9. is the wst imoortant reason (you/your family living here) chose the institution that you did for your & checking account? Was it because of the Jocation of their -, because they had the lovest senrices a: one ,::e" bec::se geauirement, because you were able to obtain w they offered w and an absence of risk, or some other reason? What

[03. LOCATION OF OFFICES

Ijol.lva

los.

97.

OTHER:

N9a.

For how many years (have you/has someone in your family living here) done business with this institution?

3nI
V-ZICI 5‘

YEARS

96. LESS THAN ONE YEAR

36
Do you (or anyone in your family here) have any Individual Retirement Accounts, is, IRA or KeoSh accounts? that

nlo.

NRKT PAGE, NlOa

TlJP.N P. 64, Nl6 TO

I
63
NlOa.vho has IRA or Keogh accounts? mi3Po~~w. SPOUSE. OR 0Twxs) Woo HAVE ACCOUNT(S). m ~OLLOU-UP OUEsTiOt& Nil - Nli FOR EACH PERSON.]
(CHECK m.~soN~s~

ASK

PERSON-------->

ISPOUSE ACCOFI

Nil

How many 1P.Aand Keogh ecc~unts does (PERSON) have?

3603

Y ACCTS

3613

# ACCTS

3CZ3 X ACCTS

N12. About (PERSON'S) accounts (are these/is this an) IRA or Keogh account(s)? (CRECK Au TRAT APPLY.) Nl3. (Please look at Card A.) (Is this/Are they) with any of the institutions (you told me about at the beginning of the interview/on Card A), or from someplace else? (CHECK ALL THAT APPLY.) (IF CARD A: Which institution(s)?) (IF SOHEPIACE ELSE: what type(s) of institution(s)?

03. a3 1 06. #6 11. COlQ4.BANK 12. S&L/ SAV BANK 13. CREDIT UNION 16. BROKERAGE 17. INSUR. CO 25. EMPLOYER
97.

03. #3 1 06. a6 11. COW. BANK

11. COHH. BANK 12. S&L/ SAV BANl 13. CREDIT UNION 16. BROKERAGE 17. INSUR. CO 25. EnPLOYER 97. OTHER:_ XIL-3617 3620

12. S&L/ SAV BANK 13. CREDIT UNION 16. BROKERAGE 17. INSUR. CO 25. EMPLOYER
97. OTHER:_ 25

OTHER:_

X06-3cO5
N14. How much in total is in (PERSON'S) account(s)?

362636

$

3610 3611
1. SPOUSE OR OTHER ACCT GO BACK TO Nil ALL OTHERS

$

$

3630

N14a.INTERVIEUER CHECKPOINT (SEE NlOa)

0
P2.

36LI
1. OTHER PER. SON ACCT. GO BACK TO N11 1 p2.
t

ALLOTHERS

N15.

How is the money in (this/all of your [family's]) IRA and Keogh account(s) invested? Is lwst of it in CDs or other bank ecccunts. most of it in stocks, most of it in bonds or similar assets, or what?

-,bT\
i .; . 'ti"

1.

CD'S/BANK ACCOUNTS

3. BONDS/SIMIAR ASSETS

7. OTHER:

N16.

Not including any accounts I have already recorded, do you (or anyone in your family here) have any money marker accounts? --> NEXT PAGE, N2'2

N16a. Altogether, hov many m.~neymarket .XCOW~S do YOU (and your family
living here) have? # OF H0NlZ-l MARKET ACCOUNTS

ACCOUNT

#I

ACCOUNT Y2

ACCOUNT X3

N17.

Does the (largest/next) account have checkwriting privileges? Is this a tax-free money market account?

N18.

N19.

(Please look at Card A.) Is this account with an, of the institutions (you told me about at the beginning of the interview/on Card A), 01 from someplace else? 11. COMM. BANK (IF CARD A: Which institution?) 12. S6L/ SAV BANI (IF SOHEPIACE ELSE: what type of instltutior 13. CREDIT UNION is that?) 16. BROKERAGE
97. OTHER:_

11. corm. BANK 12. S&L/ SAV BANK 13. CREDIT UNION 16. BROKERAGE

11. COHN. BANK

I

1 16. BROKERAGE

(

37of
NZO. Hov much is in this account?

$

3706

$

-37(1 I

$ 3716 I
m 3 ACCT NEXT PAGE N22 ALL.OTHERS

N21. IMERVIRWRR CHECKPOINT

(SEE N16a)

1. m 1 ACC: NEKT PACE, N22

3707
0 2. ALLOTHERS GO BACK TO N17, ACCT :

w2ACCT 1. 0 NEXT PAGE N22 3717 271-L 2. ALLOTHERS Co BACK TO N17. ACCT 3 4

N21a. How much is in all your (family's) remaining money market accounts?

,--.
N22.

65
Do you (or anyone in your family here) have any CD's or certificates of deposit at financial institutions? (IF YES, SAY: Please do & include CD's that are part of IPxAsor Keoghs.) (IF R ASKS: CD'S ARE CERTIFICATES HELD FOR A SET PERIOD OF TIME THAT MUST BE CASHED OR RENEWED AT THE HATLIRITY DATE.)

22a. Altogether, how many such CD's do you (and your family living here) have? 372" X CERTIFICATES

22b. !&at is the total dollar value of (this/all these) CD's? $

3721

22~. (Please look at Card A.) (Is this/Are these) CD's with any of the institutions (you told about at the beginning of the interview/on Card A), or from someplace else? (CEECK ALL THAT APPLY) (IF CARD A: Which institution(s)?) (IF SOMEPIACE ELSE: What type(s) of institution(s)?)

97.

OTHER:

N23.

Do you (or anyone in your family living here) have any (other) accounts at banks, savings and loan associations, or credit unions? These could be passbook accounts, share accounts, Christmas Club accounts, or any other type of savings account. 1. YES 7 5. NO --> TLRN TO P. 68, N27 0

N23a.

Altogether. have?

how many such acccunts do you (and your family living here)

N24.

(Please look at Card A.) Is the (next) largest acccunt with any of the institutions (you told me about at the beginning of the interview/or Card A), or from someplace else? (IF CARD A: Which institution?) (IF SO!BPLACE ELSE: What type of institution is that?)

N25.

How much is in this account7

N26.

Ih'TEFWIEWER CHECKPOINT

(SEE N23a)
P. 68, N27 2. ALL OTHERS GO BACK TO 2. ALL OTHERS 2. ALL OTHERS GOBACKTO N24. ACCT 4

I

67

ACCOUNT 01. Xl 02. #2 03. #3

w4

ACCOUNT X5 01. Xl 02. x2 03. x3 04. #4 05. x5 06. #6

04. a4 05. #5 06. #6

11. COXM. BANK 12. S&L/ SAV BANK 13. CREDIT UNION 16. BROKERAGE 97. OTHER:_

11. cokli.BANK 12. S&L/ SAV BANI! 13. CREDIT UNION 16. BROKERAGE 97. OTHER:_

3i.KL

38/C $

$

T2fX

3w
1. m 5 ACCl NEXT PACE, N27-3817 2.ALL OTHERS

7

1. m 4 ACCT 0 NEKT PAGE, N27 33,y 2. ALL OTHERS GO BACK TO N24, ACCT.5

7

N26a. How much is in all your (family's) remaining such
~CCOUlltS?

I
68
N27.

(IF YES, SAY: Do you (or anyone in your family here) have any mutual fund holdings? include any pension-type, thrift-saving, 401-K. or IRA/Keogh plans. or Please do m accounts I have already recorded.) 5. NO --> NEXT PAGE, N31 cl N27s. In how many different mutual funds (do you/does your family) 0w-n shares?

N28.

(Is it/Are I need to know vhst type(s) of mutual fund(e) (this is/these are)? any of them)... N29. What is the total market value of all of the (TYPE) thst you (and your family living here) have?

I
a.

Stock Funds

38Zl

b. (Are any of them) Tax-Free BondFunds.......... c. (Are sny of them) Government or Government backed Bondx3G Funds............ d. (Are any of them) other Bond 7gt,. Funds e. Combination funds or kl?y other mutual funds (INCLUDE "DK TYPE" HERE) .382,

El El El
1.

YES

-->a.

$

3at
327-q

I. YES -->b.

$

1. YES --x.

s3aa

1. YES -->d. $ ?a% I

I

1.

YES

-->a.

$-%3b

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? 3. NEITHER GAIN NOR LOSS

4

N!JXT PAGE, N31

-4

NEXT PAGE, N31

!?30s.How much have they gained in value since they were obtained1

N30b. How much have they lost in value since they were obtained?

3x32
OR $3333 1998. WN'T

PERCENT

%?3q

PERCENT

AMOUNT KNOW1

N31.

Do you (THESE 1. YES 7 N31a.

(or anyone HAY

in your

family

here)

have THEY

any U.S.

government

savings

bonds? DEDUCTION.)

BE CALLED

SERIES

EE OR HH. 5. NO I

CAN BE PURCHASED

BY PAYROLL

--> GO TO N32

What is the total family) have7 $

b

value

of all

the savinBs

bonds

that you

(and your

f'lc2.

N32.

Do you (or anyone here) have any other corporate, municipal, type of bonds or bills? (IF YES, SAY: Please do nef include in pension eccounts or trusts. or in accounts I have already 1. YES 7 N32a. How many different bonds 33OV or bills # do you (or your 5. NO I --> NEXT PAGE, N35

government. or other any bonds or bills held recorded.)

family)

own?

BONDS OR BILLS

N33.

I need to know what any of them)...

type(s)

of bond

or bill

(this

is/these

are)?

(Is it/Are

N34.

What is the total face value of all of the (TYPE) that you (and your family living here) have7

3'10<
a.

Mortgage-backed bonds such as those from "Ginnie-Mae", "Fannie-&e" or "Freddie-Mac" bonds or 3wl 05. NO 309 II.-->b. $ ?4c*

b. U.S. Government Treasury bills.

c. State or ~~~~ici~al bonds, or other taxfree bonds d.

(INCLUDE "DK TYPE" HEW)

70
N35. Do you (or anyone in your family living here) own any publicly traded stock? (IF YES, SAY: Please do & include any stock held through mutual funds, pension acco"ntS or trusts, or in accounts or businesses that I have already recorded.) 1. YES 7 N36. In how many different companies 3tq do you (or your family living here) ovn stock?

3913

I

5. NO --> TURN TO P. 72. N41

X COMPANIES

N37.

What

is the

total

market $

value 39rr

of this

stock?

N38.

Overall someone 1. GAIN

has there been in your family I,1

a gain or loss here) obtained

in the value it?

of this

stock

since

you

(or

‘ 7;
3917
OR

GO TO N39 GO TO N39

38.4. How much has since it was

it gained obtained? PERCENT

in value

38b.

How much has since it was 3414 OR

it lost in value obtained7 PERCENT

$

3=ff8

AMOUNT

AMOUNT

N39.

Of your (family's) your family living

stock, is any of it stock here) have worked7

in a company

vhere

you

(or anyone

in

--> NEXT

PAGE.

N40

N39a.

What

is the total

market

value

of this

stock

In the company?

._;

N40.

Do you (or anyone in your family here) have a brokerage sale of stocks and other securities? l.YES P

account for the purchase or

3qz3

--> N!ZXT PAGE, N41

140.x. (Please look at Card A.) (Is this/Are these) accounts with any of the institutions (you told me about at the beginning of the interview/o" (CHECK ALL RUT APPLY.) Card A), or from someplace else? (IF CARD A: Which institution(s)?) (IF SOMEPlACE ELSE: What type(s) of institution(s)?)

g40b.

Over the past year. about hov many times did you (or anyone in your family living here) buy or sell stocks or other securities through e broker? (ACCEPT RANGE.) 3"12% s TIHES 1998.1 (946.1

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 XONEY ACCOUNTS HOLD MONEY RECEIVED FROH THE SALE OF STOCK UNTIL THE KONEY IS REINVESTED.)

--> GO TO N40e

N40d.

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

393e

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 brokerage7

3931

--> NEXT PAGE, N41

N40f.

Altogether. hov much is oved on these margin loans? $ 3:"l37_

72
~41. 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.)

5. NO El
N42.

--> NEXT PAGE, N47

Uha; are these; are they legal trusts, annuities, or managed 3?36

investment accounts7

C. MANAGED INVESTMENT ACCOUNTS

N43.

Are any of these set up so that yo; (or your family living here) are legally entitled only to the income and do not have an eauitv interest? 1. YES

3’ 139
GO TO N44

8.

DON'T KNOW 1

4 N43a. How much income did (you/your family living here) receive from these income-only trusts, annuities, or accounts in 19887 $

3437

IN 1988

N43b. Do you (or your family living here) also have annuities, trusts. or managed investment accounts in which you (or your family) have an u interest7 1. YES

39qo

5. NO cl

--> NEXT PAGE, N45

cfl N43c. What is the total dollar amount of your (family's) interest in m accounts?

1NEXT PAGE,
N44.

N45

1

What is the total dollar value of your (family's) interest in all annuities, or managed investment accounts7

trusts.

73
who manages your (family's) trusts, annuities. or investment accounts,--is it any of the institutions (you told me about at the beginning of the i"tenriev/on Card A), or are they managed by someone else? (CHECK ALL TRAT APPLY.) (IF CARD A: Which institution(s)?) (IF SOMEPLACE ELSE: What type of institution(s) or who manages them?)

123.

124.1

126. REUTIVE OR FRIEND]

37. RESPONDENT/SPOUSE

97. OTHER:

How is the money in these trusts end managed accounts invested? Is rnosr t in bonds or other interest-earning assets. or vhat? stocks, G'+, (7. OTHER

in

Pee,

N47. Do you (or anyone in your family living here) have any life insurance. including
individual or group policies? 1. YES qd 5. NO --> TURN TO P. 75, N51 I

v

N48.

P Are any of these group or individual germ insurance policies7 (IF R ASKS: TERM INSURANCE POLICIES HAVE NO VALUE UNLESS THE PERSON DIES. MANY SUCH POLICIES ARE ISSUED THROUGH EMPLOYERS AND UNIONS.)

I

1

GO TO N49 N4ga. What is the current b value of all the term life policies that you (and your family living here) have?

N49. 1,~ .~ ;. i,&$

Do you have any policies that build up a cash value or that you can borrow on7 (IF R ASKS: THESE ARE SOMETINRS CALLRD "WHOLE LIFE" OR "STRAIGHT LIFE".)

NEXT PAGE, N49a

TURN TO P. 75, N51

NEXT PAGE, N50

74
LIFE INSURANCE THAT BUILDS UP A CASH VALDE ,9a. What is the current fare value of all of the policies that build up e cash value that you (and your family living here) have7 $ i9b. What is w-J< the total & value of these policies?

k9c.

Art you (or your family) borrowing against these policies7

El

5. NO --> GO TO N49j

49d.

(ASK ONLY IF AN AMOUNT WAS GIVEN IN N49b.) Is the cash value you just gave me I,& of any loans you have against the policy or is it the p~pss cash value7 (IF R ASKS: THE NET VAUJE IS THE TOTAL CASH VAlJJE MNUS ANY LOANS.)

49e.

Did I record these loans earlier in the intet-viev?

GO TO N49j N49f. How much is currently borrowed? $ qow

N49g.

Typically how often (do you/does your family) make payments 0" these loans and hov large are the payments7 $ (la11 PER wz 9996. NO TYPICAL PAYMENTS

N49h.

What is the current annual rate of interest being charged on these loans7

+x3
149j.

%
for these policies that build

How much in total are the yearly premiums

up a cash value7 $ I(w! PER WJ' NEXT PAGE A51

N50.

What is the current face value of all the (other) life insurance policies that you ..;;:.:~~, .) (and your family living here) own? ~._j

75
N51.

Ocher than We have talked about various types of savings, investments, and loans. are you (or snyone in your family living here) owed what I 'have already recorded, any money by friends, relatives, businesses, or others? (YE DO NOT "AN-I TO INCLUDE PENSION-TYPE OR EPLPLOYER PROFIT-SHARING ACCOUNTS HERE.)

N51a.

Altogether,

how much

are you

owed?

$

L/OlP

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 ,?MPUXFX PROFIT-SHARING ACCOUNTS HERE.)

ASSET N52.a (About the most valuable of these ..) What kind of asset is it7

a2

ASSET

#3

yo LJ

‘ lo

23

4029

N52b

What is the total dollar value that (and your family living here) have (TYPE)? Do you have substantial

YOU

$
in /

OLZ

$

qotfs
1. YES --> GO BACK TO N52a, COL #3

N52c

any other assets? Y

1. YES --> GO BACK TO 023 N52a. COL #: 5. NO

Yo2 1

I I
Do you (or anyone earlier? in your

cl

family

living

here)

e

any other

money

not

recorded

N53a.

How

much

is still

owed

on these

loans?

76

THIS

IS

A BUNK

PAGE

77
SECTION R: 4' FXPLOYMENT OF RESPONDENT

Ue are interested in your present job status. Are you working now, temporarily laid off, unemployed and looking for vork, disabled and unable to (CHECK ALL THAT APPLY.) work, retired, a student (a homemaker), or what? IF R IS "WORKING NOW" m ANY OTHER CATEGORY, ASK ALL FOLLOW-UP QUESTIONS AND GO TO NEXT PAGE, R2.

jl NEXT PAGE, R2

UNEMPLOYED AND LOOKING FOR woRK

STUDENT

I

I

-I-- IRlc. Are you doing Q& vork for pay at the present time? II_YES>tJJ R2 ' -->

Id. &en did‘you (retire/become disabled)?

‘ \lOz.
le.
About

YEAR

L\\OO I L\\o\
MONTH/YEAR NOTE: CONSIDER THIS R's "CURRENT MAIN JOB" FOR PURPOSES OF R2-R39a NEKT PAGE, R2

how much were you earning when you (retired/ became disabled)? (Is that per hour, per week, month, year, or what?)

$‘ \LbJ

PER%

If. Are you doing w work for pay at the present time?

..

I
78
R2. Next are some questions about your current, main job. else, are you self-employed, or what?

Do you work for someoni

TURN TO P.

80,

R14 R-3. What is the ohficial title of your job? (The title that your employer uses?)

OFFICIAL JOB TITLE i What sort of work do you do on your main job? what you do.) (Tell me a little more about

R5.

What kind of business or industry do you vork in--that is. what do they make or do at the place where you work?

q/o9

R6.

How many hours do you work on your main job in a normal week? YllO fi HOURS

R7.

(READ SLOWLY) Counting paid vacations as weeks of work, how many weeks you work on this job in a normal year? yl[! # WEEKS

do

RB.

About how much do you earn before taxes on your main job? week, month. year. or what?) $ q/It PER Yun

(Is that per hour,

79
R9. About how many employees work for this company or organization. including all locations? (Is it fever than 10, 10 to 19. 20 to 99, 100 to 499. or 500 or more?)

RlO

How many years in total have you worked for this employer?

YLK
Rll

*

YEARS

OR

SINCE

How many years do you expect to continue vorking for this employer7 (ACCEPT RANGE.) 4116 x Yw\RS OR UNTIL AGE:

R12

Are you covered on this job by a union or employee-association contract?
, I -

%I1

1. YES I TURN TO P. 81, Rl5

R13.

NO QUESTION

80 R SELF-EWPLOYED
14. 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 N, "ARK BOX.)

14a. What industry do you work in? That is, vhar do they do or make7 (What industry do you $v~ically work in7) qrzo 14b. How many years have you worked for (yourself/this business)7

4121

#YEARS

OR

SINCE

,14c. About how many years do you expect to continue working for (yourself/ this business)? ACCEPT RANGE q/Zt # YEARS OR UNTIL
AGE:

.14d.How many hours do you work (for yourself/in this business) in a normal week? ItHOURS q123 .14e. (READ SLOWLY) Counting paid vacations as weeks of work, how many weeks per year do you work on this Job? YIW 24f.
How are

#WEEKS

you paid7 Are you paid a regular salary or wages, do you receive B portion of the "et earnings. or what7 (CHECK ALL THAT APPLY AND ASK y @Ll&;-UII' QU$S$O$ IF APPLICABLE.) /=,

IA. S;,,,

IB. W;,,,,

Rl4h. or wages are you paid before taxes?

(In addition to regular salary.) how much do you personally ear" from the business before taxes? (What did you

L14J. Are you covered on this Job by a union or employee-association contract?

.14k.Aside from IRA or Keogh plans, are you included in any pension plans or tax-deferred savings plans through (your work/the business)? -->TURN TO P. 90, R40 NEXT PAGE, RI7

R15. Uany 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 taxdeferred savings plans on this job? (W NOT INCLUDE SOCIAL SECURITY.) IF R MENTIONS IRA OR KEDGH PUNS. 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."

y 135 l. YEs
R16.

yq
I

piiy&q
,

Does your employer :ffer any such plans?

"36

1. YES

v/8.WN;I

TURN TO P. Rlba.

90, R40

P Are you eligible to be included in any of

!

I

P. 90, R40 Will you be eligible if you continue to work for this employer?

I

R16b.

TURN TO P. 90, R40

R17. In how many different plans of this sort are you included on this job?

R17a. Are you currentlv receiving benefit payments from any retirement plans from this job? 1. YES
7

5. NO -->RECORD # PIANS (FROM R17) IN BOX I AT R18, NEXT PAGE

R17b. I'll ask about the benefits later. Are there any retirement or savings plans from u job where you are pot veT drawing benefit payments? 1. YES 5. NO --STLIRN P. 90, R40 TO 0

q R17c. How many such plans do you have? L) t)PUINS--NOT YET RECEIVING BENEFITS IN BOX AT R18, NEXT PAGE

RECORD o PUNS

OL

I

PLAN 1
R19. (Is this/About the (next) most important of these plans, is it) 1. PENSION OR RETIREMENT --X0 TO R20 a pension or retirement plan, or a tax-deferred savings plan of some sort? (IF R ASKS: 401-K. 403-B, ESOP, R28. PIAN 1 SRA, THRIFT/SAVINGS, STOCK/PROFIT SHARING ARE ALL TAX-DEFERRED SAVINGS PIANS.)

R2:O. 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, GO TO R22 years of service and salary. In other plans, Type B, money is accumulated in an account for yo, until your retirement. Is your (first/next) plan like Type A or Type B? R21. For that part of your plan where,money is accumulated in a" account, how much is in the account?

TUP.NTO P. 86, R28, PLAN1

R22.

Do you currently make contributions to this plan? (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY DEDUCTIONS, UNION DUES OR OTHER SOURCES)

8. DON'T KNOW

GO

TO R24

R23

What percent of your pai or _ PERCXNT amount of money per month or year do you currently contribute? YX56(99B.l

OR

$4363

PER=

R24

At what age do you expect to start receiving benefits from this plan?

AT AGE "*z IN YEARS

96. DON'T EXPECT BENEFITS

TURN TO P. 84, R25--PLAN 1 --_________________--

TURJ TO P. 84, R26--PIAN 1

a3

I

PLAN 2
R19

PLAN 3
1. PENSION OR RETIREMENT --X0 TO R20 PL4N3

r
1. PENSION OR RETIREMENT --X0 TO R20 PIAN 2. TAX-DEFERRED SAVINGS --Z-TURN P. 86, TO R28, PUN 2 8. DON'T KNOW WHAT KIND

R28, PUN

3

R20 1. TYPE A (FORMULA) GO TO R22 P. 87, R28 PIAN 1. lYPE A (FORMULA) GO TO R22 TURN TO P. 87. R28 PUN3

v303
R21

I.
IDON’ T\
GO TO R24

R22

$ V364
R22
&.

IDON’ T\

$

44&t

YES

Is.1

/8

GO TO R24 4 R23 1'36cPERCENT OR $+367 PER1998. DON’ T

-DON’ T
R24 AT AGE IN TURN TO P. 85. R25--PIAN 2 -__--~------~-------_ TLlRNTO P. 85, R26--PL4N 2 u36,$ YEARS AT AGE ('" IN

KNOW1

TURN TO P. 85. R25--PLAN 3 .-_------------------

TURN TO P. 85, R26--PUN 3

Y-r

TYPEA-PLAN1 ~----_--~--~---~--_-R25. About how much do you expect your benefits to be? (As a pkporiion of your pay at retirement, or as an amount per month or year when you start receiving them?)

s4UO

PER +r

I
OF FINAL PAY

OR -PERCENT

R2 16. If you vere to (leave this job/ sell this business) no", would you start receiving e monthly or annual pension benefit now, would you receive one later, would you get a cash settlement now, would you get nothing or vhat? (IF R SAYS "ROLL OVER" MARK "CASH SETTLEMENT".)

1. BENEFIT NOW

‘ t2-13

12. BENEFIT IATER (

7. OTHER:

GO TC R27 n

II
li3. DON'T KNOW t-----_-l

R26a. About how much per month would you receive? R27. INTERVIEWER CHECKPOINT

sqw4
1
. .

PERHONTH

IDON'T/

(SEE R18, P. 82,

.l. ONLY 1 PUN-->TURN TO P. 90, R40

cl

4-215
2. ALL OTHERS-X0 BACK TO P. 83, R19. PlAN 2

86
SAVINGS PLANS AND TYPE B PLUG

SAVINGS
R28. (Could you tell me a little more about this plan?) Is it a thrift or savings plan. a 4OlK. a profit-sharing plan, a stock purchase plan or what?

& TYPE B - PLAN 1
97. OTHER:

1. THRIFT OR SAVINGS
2.

4OlK/403B/SR4

I

4LlL

3. PROFIT SHARING 4. STOCK PURCHASE, ESOP 98. DON'T KNOW

R29.

For how many years altogether have you been included in this plan? (INCLUDE YEARS WITH OTHER !ZHPIJXF.RS. IF SAME PIAN.) (Does your employer/Does the business) make contributions to this plan?

‘ IU-I

YEARS

198. DON'T

KNOWl

R30.

I

1

GO TO R31 R30a. What percent of your pay or amount of money per month or year does (your employer /the business) contribute7 R31. Do yps! currently make contributions to this plan7 (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SAULRY DEDUCTIONS, UNION DUES. OR OTHER SOURCES.) R31a. What percent of your pay QI amount of money per month or year do you currently contribute7 R32. Roughly how much money is in your account *t present? Can you borrov against that account7 it14PFJlCENT OR $YZZO _ PER _ qz?J

AZ=,.

YES

CO TO R32 Irt3 4 PERCENT OR $4Zd _ PERYM

998. DON'T KNOW

$

q-L26

(1

R33,

R34.

Do +I currently have a loan against that account7

R34a. What is the amount of the loan balance7 R34b. Did you tell me about this loan earlier?

$’
mm!??“________
TURN TO P. 88, R35--PlAN 1

87

5c*<.c
R28.

‘3 (
SAVINGS & TYPE B -- PLAN 3

SAVINGS & TYPE B -- PLAN 2 1.
THRIFT OR SAVINGS 97. OTHER: q3ib

2. 401K/403B/SRA 3. PROFIT SHARING 4. STOCK PURCHASE, ESOP
R29.

1. PROFIT SHARING 98. DON'T KNOW

I 98. DON'T KNOW

,. STOCK PURCHASE, ESOP

431-J

YEARS

‘ lL\\-l

YEARS

198. DON'T KNOW)

R30.

GO TO R31 R30a s PERAENT OR $w PER m

998. DON'T KNOW

GO TO R32 R312

g.7.L

PERCENT

OR

Sm

PER a

998. DON'T KNOW

R32.

R33.

8. DON'T KNOW

;;

R34.

R34a

7

1. YES

5. NO -->TURN TO P.89. R35 cl

R34b

m15_!!pP_________
TURN TO P. 89, R35--PLAN 2 TURN TO P. 89. R35--PLAN 3

88

SAVINGS & TYPE B - PIAN
R35. If you needed money in an emergency. could you withdraw some of the funds in that account? (CHECK "YES" EVW IF WITHDRAWAL INVOLVES PENALTY.) If you were to (leave this job/ sell the business) now. would you lose all, some. or none of the money in this account? -bj--E--Fi‘\23(

1

RX.

4233 OR

PERCENT

R37.

How is

the money in this account invested? Is it mostly in stocks, mostly in interest earning assets. is it split between these, or what?

R38.

INTERVIEWER CHECKPOINT

(SEE R18,

P. 82)

ONLY 1 PIAN-->I'URN P. 90. R40 TO

2. ALL OTHERS-X0 BACK TO P. 83, R19, PLAN 2

I

5Lb--*
SAVINGS & TYPE B - PLAN 2 __-__-____-_---------

Yf

89

SAVINGS & TYPE B - PIAN 3 -/iq--fi--+~-

R36

R36a.

What proportion would you lose?

R36a. What proportion would you lose?

_&a
OR

PERCENT

4u

37

PERCENT

OR

R37

I

qII 3‘ 1

I 1

I

1. IMLYIi'.

HOST.YCRALLNC~~3,

SPLI:

7. OTHER:

1 18. DON'T KNOW)

R38 1. ONLY 2 PUNS->NEXT PAGE, R40
11. ONLY 3 X%~NEXT

PAGE, ~40

2. ALL OTHERS-X0 BACK TO P. 83. R19. PIAN 3

12.

ALL OTHERS

R39.

OR UORE) Altogether how nuch do you have in your account balance(s) for any other pension plans or savings plan(s) from this job?

(IF

4

4

R39a. Altogether, what other benefit payment, do you expect tc,receive from (this/these) other pension plan(s) from this job?

w37
1 NONE j

R40.

Are

you doing any orher work for pay now. such as a second job, the military reserves. or (another) business of your own?

R40a.

Is this a second job, the military reserves, your own business, or what? (CHECK ALL THAT APPLY.)

R40b.

IWER: IF BUSINESS IS ONE OF THE BUSINESSES REPORTED IN SECTION H, MAP.KBOX.

R41.

How many hours do you work on these other jobs in a normal week?
Yfil

4

#HOURS

R42.

Counting paid vacations as veeks of work, how many weeks do you work on these other jobs in a normal year?

q_Yba
R43.

# WEEKS
(Is that per

About how much do you earn before taxes from these other jobs? hour. week. month, year, or what?)

R44.

Thinking about all your current work for pay. do you consider yourself to be vorking full-time or part-time? (IF R IS IAID OFF OR A SEASONAL WORKER. ASK ABOUT "JOBS WHEN R IS WORKING".) II.1 NEXT PAGE, R45 FPART-TME] --> TURN TO P. 93, R46

qslt

91
WORK HISTORY FOR R'S CUP.F.RNTLY WORKING FULL-TIHE !45. Now I have a few questions about your past jobs. in January 1983? Were you working for pay

145a. Was that January 1983 job with your present employer. another employer. were you self-employed, or vhat? (IF SELF-EMPLOYED BOTH IN 1983 AND NOW, CHECK "PRESFXT EHPLOYER")

GO TO R45e GO TO R45e -v :45b. 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?

7. OTHER:

.45c. Were you included in a pension or retirement plan on that job? I 1

n
X0 TO R45e

.45d. 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 gerting

RWD:

I will ask you about these benefits later. Now I want to ask about the last three years. I

4
4%.

During the past 36 months, that is the last three years. how many months have you vorked full-time?

.

y!?zq

It

OF MONTHS

45f. How many different employers have you had on full-time jobs over the past 36 months? lyt< X OF ENPLOYERS ---_----_----_-----------__--------------

92 ______________-___--____-____-__-----__-~45g. Have there been any months over this period vhen you only vorked part-time? 5. NO -----> GO TO RL5m cl R45h. How many of the past 36 months have you only vorked part-time? wz7 R45j. - R45k. # OF HONTHS NO QUESTIONS

R45m. Thinking now of the future, when do you expect to stop working full-time? IN l&a YEARS OR AT AGE

R45n. Do you expect to work part-rime after that?

R45p. When do you expect to stop working altogether? IN q$TOYEARS OR AT AGE

TURN TO P. 97, R49

93
WORK HISTORY FOR
rR’ S

VOPXINC PART-TIME NOV Vere you working for pay

Rl i6.

Now I have a few questions about your past jobs. in January 1983?

Y153\

I,,i” l “

~--X0

TO R46e

RI L6a. Was that January 1983 job with your present employer. another employer, were you self-employed, or what? (IF SELF-F.MPL.OYED WH IN 1983 AND NOW. CHECK "PRESENT EKPLIIYER") U 4. SELF-WL

GO TO R&be GO TO R46e v Did you retire, Rf 46b. What was the reason you left (that job/self-employment)? become disabled, quit, were yoq laid off, did the business close, or what? q

7. OTHER:

R, 46~. Were you included in a pension or retirement plan an that job? 4 --X0 TO R46e

R 46d. Did you get B cash settlement from that pension plan, do you expect to get retirement benefits from that plan in the future, are you getting retirement benefits

w:

I vi11 ask you about these benefits later. Now I want to ask about the last three years.

46e. During the past 36 months, that is the last three years. how many months R, have you worked part-time?

qI(L(o

X

OF MONTHS

----_____________________________________

94

r-----/qfi(

_-----_---_---_------~----------(5.~----> GO TO R46p

R46f. Have there been any months over this period vhen you worked full-time? (,.I

1

R46g. How many of the past 36 months have you worked full-time?

llN2

X OF MONTHS

R46h. How many different employers have you had on full-time jobs over this time?
It

OF EMPLOYERS

R46i. When did you last work full-time for pay?

R46k.

R46n.

NO QUESTIONS

R46p. Thinking now of the future, do you expect to do any full-time work for pay? 1. YES YS'ib I GO TO R46s 7 R46q. When do you expect to start working full-time? INqfi1 YEARS OR AT AGE 98. DON'T KNOW/DEPENDS 8. DON'T KNOW/DEPENDS

R46r. And when do you expect to stop vorking full-time? YEARS OR AT AGE
I 98.

DON'T KNOW/ DEPENDS TURN TO P. 97. R49

R46s. When do you expect to stop working for pay altogether? INqN(f Yw\RS OR AT AGE 98. DON'T KNOW/ DEPENDS

El

96. NEVER STOP

TO P. 97. R49

95
WORK HISTORY FOR R'S CURRENTLY RETIRED/DISABLBD, i7.
Now

HO M?ZMKFX, STUDENT, OR OTHER Were you working

I have a few questions about your pasr jobs. for pay in January 1983?

--X0

TO R47d

17a

Did you retire, become disabled, What was the reason you left that job7 quit, were you laid off, did the business close, or what?

17. OTHER:

li602

G7b bo3

Were you covered by a pension or retirement plan on that job? --X0 TO R47d

4JC

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 B. EXPECT FUTURE BENEFITS

SETTLEMENT

BENEFITS

READ: I will ask you about these benefits later. Now I want to ask you about any work you have done over the last three years.

47d WEKT PAGE, R47p

have you done any work for pay?

47e. How many months over this period have you worked full-time? 141 q&a MONTHS (,,,-----> GO TO R47g

47f. How many different employers have you had on full-time jobs over this time?

4611

X OF

EMPLOYERS

47g. How many months over this period have you only worked part-time?

47h. - R47n.

NO QUESTIONS

-_----------_-_--------------------------

96

r-----R4Jp.

---

------~-------~--------~-------. work for pay in the future? > NEXT PAGE, R49

Do you expect to

R4Jq. When do you expect to start working? IN YMqYEARS OR AT AGE 98. DON'T KNOW/DEPENDS

R47r. Will any of that be full-time work? 461s 5. NO n 8. DON'T KNOW/DEPENDS

I

I

R4Js.

When

GO TO R47u do you expect to start working full-time? YEARS OR AT AGE 98. DON'T KNOW/ DEPENDS

L&&IN
R4Jt.

And when do you expect to stop working full-time? , YEARS ; AT AGE , cl

q(nIN

R47u. When do you expect to stop working for pay altogether? q&\*BN ~ YEARS OR AT AGE

INEXT PAGE. R491

I
1
SECTION

s:

EMPLOYMENT OF R'S SPOUSE

/

Sl.

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 & THAT APPLY IF S IS "WORKING NOW" AND ANY OTHER CATEGORY, ASK ALI FOLLOW-UP QUESTIONS AND GO TO NFXT PAGE, SZ.

NEXT PAGE, S2

J

I

L

I

Does (he/she) expec? to go back to this job?

i lc. Is (he/she) doing any work for pay at the present time? l.YES = >NE.XT PAGE, s2

J

/

Sld. When did (he/she) (retire/became disabled)? 4702 YEAR

1

1

b. When did (he/she) last work on this > TURN TO P. 14a. s44c

MONTH/YEAR TE CONSIDER THIS S's "CURRENT MAIN JOB" FOR PURPOSES OF S2-S39a

Sle. About how much was (he/she) earning when (he/she) (retired/became disabled?)(Is that pel hour. per week. month, year, or what?)

NFXT PAGE, S2

jlf. Is (he/she) doing any vork for pay at the present time?

Next

are some questions about (his/her) current. main job. for someone else, is (he/she) self-employed. or vhat?

Does (he/she) work

1. ;KlE (-(-/b6

I'1

1 ~,"Eh"~~~,F:~~~f:"BUSINESS"

TURN TO P. 4, S14 7 What is the official title of (his/her) job? employer uses?)

(The title that (his/her)

OFFICIAL JOB TITLE

S4.

What sort of work does (he/she) do on (his/her) main job? more about what (he/she) does.)

(Tell me a little

s5.

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? YTOQ

S6.

How many hours does (he/she) work on (his/her) main job in a normal week?

47fO
s7.

ttHOURS

(READ SLOWLY) Counting paid vacations as veeks of work, hov many weeks per year does (he/she) work on this job in a normal year? Y11( ttWEEKS

SB.

About

how much does (he/she) earn before taxes on (his/her) main job? that per hour, veek. month, year. or what?)

(Is

$

q7rt

PER

Y-?/3

3
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?)

SLO.

How many years in total has (he/she) worked for this employer?

lillC
Sll.

ttYFARS

OR

SINCE

How many years does (he/she) (ACCEPT RANGE .)

expect to continue working for this employer?

YlI6

0

YEARS

OR

UNTIL AGE:

s12.

Is (he/she) covered on this job by a union or employee-association

contract?

Il.YESI

4717

15. NO]

TURN TO P. 5, S15

S13.

NO QUESTION

4 SPOUSE SELF-EXPLOYED IS
14. [Tell me a little more about what What sort of work does (he/she) do? (he/she) does.] (IWER: IF S WORKS FOR BUSINESS REPORTED IN SECTION H, MARK BOX.)

14a. L'hat industry does (he/she) work in? That is, what do they do or make? (What industry does (he/she) croicallY work in?) q-It0 14b. How many years has (he/she) worked for (himself/herself/this q7?_/ 14c. #YEARS OR SINCE business)?

About how many years does (he/she) expect to continue working for (himself/herself/this business)? ACCEPT RANGE II 196. MV:"/ 190. DO;yTI YEARS OR UNTIL AGE:

47&Z tt

14d. How many hours does (he/she) work (for himself/for herself/in in a normal week?

this busines<

47’ 43

#

HOURS

14e. (READ SLOWLY) Counting paid vacations as weeks of work, how many weeks per year,does (he/she) work on this job?

S14h. or wages is (he/she) paid before taxes? $

(In addition to regular salary,) how much does (he/she) personally earn from the business before taxes? (What

Y7ts

PER 9x30

:14j. Is (he/she) covered on this job by a union or employee-association contract?

1733 pq

pYq

i14k. 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]? 113'1 PI-->NEXT PAGE, S17 5. NO -->TURN TO P. 14. S40 I

5
s15. nany employers have pension or retirement plans,
and some provide tax-deferred plans such as thrift, savings. 4OlK's, profit sharing, or stock ownership plans. Is (he/she) included in any pension or retirement plans, or in any rax(DO NOT INCLUDE SOCIAL SECURITY.) deferred savings plans on this job?

Ii= R HENTIONS
earlier

IRA OR KEOGH PUNS.
interview.

NOTE IN MARGIN AND SAY: "We covered
to find out about other

in

the

operated

through

Here. I just want (his/her) employer."

those plans

516.

Does (his/her) employer

offer

any

such

plans?

1. YES

i';"I

yWN;T

TLJRN TO P.

14. s40 included in any of

j16a. 413-J

7 Is (he/she) eligible these plans? E4Dv;

to be

j16b.

Will (he/she) be eligible if (he/she) to work for this employer?

continues

TURN s17. In how many different plans of this soft

TO P. 14. s40 is (he/she) included on this job?

q73!
S17a.

It HANS
receiving benefit payments from any retirement

Is (he/she) currentlv plans from this job? 1. YES v I'll ask about plans from a

430

5. NO 0

-->RECORD # PIANS (FROM AT SlB, NEXT PAGE

S17)

IN BOX

S17b.

the benefits later. job where (he/she) 5. NO 0

Are there is not "et

any retirement or savings drawing benefit payments?

-->TlJRN TO P. 14. S40

How

many

such

plans

does

(he/she)

have? BENEFITS

-.wfL RECORD

4 PUNS--NOT li PIANS

YET RECEIVING

IN BOX AT SlB, NF.XT PAGE

6

)
s19.

4j6(

1 x OF~~~
the (next) most

PLAN 1 %67 1.
PENSION OR RETIREnENT --X0 TO S20

(Is this/About

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, THRIIT SAVINGS, STOCK OWNER. SHIP, AND PROFIT-SWING ARE ALL TAX DEFERRED SAVINGS PL4NS.)

S28, PIAN 1

SZO.

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 , GO TO S22 years of service and salary. In other plans, Type B, money is accumulated in en accwnt for yo\ 1 until your retirement. Is (his, / her)(first/next) plan like Type 1 4 or Type B?

TURN TO P. 10. S28.

PIANl

J

s21.

For that part of (his/her) plan where money is accumulated in en account, how much is in the
ELCCOU”t?

s22.

Does Jhe/she) currently make contributions to this plan? I (IF R ASKS: INCLUDE CONTRIBUTION! 3 THROUGH SAL4RY DEDUCTIONS, UNION DUES OR OTHER SOURCES)

S23. What percent of (his/her) pay or amount of money per month or year does (he/she) currently contribute? S24. At what age does (he/she) expect to start receiving benefits from this plan? s25--PIAN 1
_ _ _ ___________

I’ ”
TURNTOP. S26--PLAN _-----8, 1

I
7

5
PLAN 2
s19

5LhUH

5-o
PLAN 3
--X0 TO S20 PIAN3

1. PENSION OR RETIREMENT

S2B. PLvi 2

S28. PIAN 3

szo
1. TYPE A (FOPJKJIA)
GO

GO TO S22

4403

TURN TO P. 11, S28 PUN2

TO ,522

GO TO S22

nJP.N

TO

P. 11, S28 pLAN 3s_Oo3

J
s21

$

YE204

DON'T KNOW

I

s22

44of
T

-

GO TO S24

1mcr

-

GO TO S24

s23 %_o& PERCENT OR $ $6-j PER w
)YYB.

1998. DON'T KNOW1

DON'T MOW]

s24
%AGE

I

OR IN TURN TO p. s25--PLAN 2 NRN TO P. 9, S26--PLAN 2

_A&

OR IN_ TURNTOP. S25--PUN 9 3

YRS 96. I

DON'T EXPEC'I BENEFITS

TURN TO P. 9. S26--PLAN 3

__-__--__---_----_--

------------------__

8

c _-+-. W
TYPEA-PLAN1 --------------------About how much does (he/she) expect (his/her) benefits to be? [AS a proportion of (his/her) pay

S25.

1

at retirement. or as an amount per month when (he/she) sf~~-ts
receiving them71

OR

WPERCENT

OF FINAL PAY

S26.

If (he/she) were to (leave this job/sell this business) now. 1. BENEFIT NOW would (he/she) start receiving a monthly or annual pension benefit 2. BENEFIT IATER now. would (he/she) receive one later, would (he/she) get a cash 3. CASH SETTLEMENT settlement now. would (he/she) get nothing or what? 4. NOTHING (IF R SAYS "ROLL OVER" MAP.K"CASH SETTLEMENT".) 7. OTHER:

-GO T s27

8. DON'T KNOW

S26a. About how much per month would (he/she) receive? S27. INTERVIEWER CHECKPOINT

PERMONTH

(SEE S18, P. 6,

cl%ls' 1. ONLY 1 PIAN-->TURN TO P. 14, S40 !--I
-

cl

2. ALL OTHERS-X0 BACK TO P. 7, s19, PIAN 2

,:

TYPEA-PLAN2 ----------------_____----________________
S25.

TYPE A -PLAN3

OR

(I~LZPERCENT

0F FINAL PAY

OR$%APERCENT

OF FINAL PAY

S26. 1. BENEFIT NOW 2. BENEFIT LATER 3. CASH SETTLEKENT 4513 1. 12. BENEFIT LTER, BENEFIT NOW '='3

.3. CASH SETTLEMENT 4. NOTHING -GO TO S27 7. OTHER: --GO TC S27

4. NOTHING 7. OTHER:

8. DON'T KNOW

8. DON'T KNOW

S26a PER MONTH PER MONTH

S27

0

1. ONLY 2 PUNS->TUF!N TO P. 14, S40 91s

7

0
0

1. ONLY 3 PUNS->TURN

mt

TO P. 14, S40

2. ALL OTHERS-X0 BACK TO P. 7, s19. PIAN 3

2. ALL OTHERS-->TlJF!NTO P. 13. S39

‘ .._.

10
SAVINGS PLANS AND TYPE B PLANS I

SAVINGS & TYPE B - PLAN 1
31. THRIFT OR SAVINGS 97. OTHER: 02. 401K/L03B/SR4 33. PROFIT SHARING 04. STOCK PURCHASE; ESOP 98. DON'T KNOW 48lc

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?

529

For how many years altogether has (he/she) been included in this plan? (INCLUDE YEAF5 WITH OTHER EMPLOYERS, IF SAME PLAN) [Does (his/her) employer/Does thf business] make contributions to this plan?

4gr7

YEARS

(98.1

s30

S30a. What percent of (his/her) pay or amount of money per month or year does [(his/ her) employer/the business] contribute? S31 Does ihe/she) currently make contributions to this plan? (IF R ASKS: INCLUDE CONTRIBUTIONI THROUGH SAIARY DEDUCTIONS, UNION DUES OR OTHER SOURCES.) S31a. What percent of (his/her) pay or amount of money per month or year does (he/she) currently contribute? S32 Roughly how much money is in (his/her) account at present?

Q4- PER:ENT

OR

$yfto

PER w

998. DON'T KNOW

998. DON'T KNOW

s33

Can (he/she) borrow against that account?

t

S34

Does (he/she) currently have a loan against that account?

I,.
1

~,,l--z%!o

P. 12, s35

S34*.

!Jhat

is

the

amount

of the

loan balance? S34b. Did you tell me about this loan earlier?

A2m?______
TURN TO P. 12, S35--PLAN 1

42 7

s-47
SAVINGS & TYPE B - PLAN 2 SAVINGS & TYPE B -- PLAN 3

ml

01. THRIFT OR SAVINGS 97. OTHER:

ml.4

03. PROFIT SHARING

+iAr+Eq
04. STOCK PUFXHASE:ESOP
s30.

98. DON'T KNOW

04. STOCK PURCHASE;ESOP

98. DON'T KNOW

!a(7

YEARS

198. DON'T KNOW1

GO TO S31 S30a 1(9rS PERCENT OR $-PER 42 m, PERhENT OR

GO TO S31 $a PER rx

I

GO TO S32 OR SW PER w 1 998. DON'T KNOW/

S32. $ +iL6 $

mzc

IDON’ T/

S34b rq50 --_-------TURN TO P. 13. S35--PIAN 2

J mrEsl-?Sc)_--____
TURN TO P. 13. S35--PLAN 3

I
12 SSAVINGS & TYPE B - PLAN 1
535

account?

If (he/she) needed money in an emergency, could (he/she) withdraw some of the funds in that (CHECK "YES" EVEN IF WITHDRAWAL INVOLVES PENALlY.) -1.

(ia
AU NONE 3. SOHE 7. OTHER

S36

If (he/she) were to (leave this job/sell the business) now. would (he/she) lose all. .some,or none of the money in this account?

-5.

!423$

I J

S36a. What proportion would (he/she)losei

y833
OR

PERCENT

S37

How is the money in this account invested? Is it mostly in stocks, mostly in interest earning assets, is it split between these, or what?

S38

INTERVIEWER CHECKPOINT

(SEE S18,

P. 6)

1. ONLY 1 PUN-->TIJRN TO P. 14, S40

cl

2. ALL OTHERS-X0 BACK TO P. 7, s19. PUN 2

‘ .’

5
SAVINGS & TYPE B - PLAN 2

-Lh

go

13

SAVINGS & TYPE B -- PLAN 3 @q--fi--~~ q-m31

r’
S36

S36a.

What proportion vould (he/she) lose?

S36a. What proportion vould (he/she) lose’

4533
OR

PERCENT

5-033
OR

PERCENT

s37 1.

(17. OTHER:

1 IS. DON'T KNOW1

7. OTHER:

S38

0
0

1. ONLY 2 PUNS->NEXT

4156 PAGE,

S40

1
I

S-035’

1. ONLY 3 PLANS-Z-NEXT PAGE, S40

2. ALL OTHERS-X0 BACK TO P. 7, s19, PIAN 3

2. AU

OTHERS

s39

(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? $

su3NEKT PAGE, S40

S39a. Altogether, what other benefit payments does (he/she) expect to receive from (this/these) other pension plan(s) from this job?

doing

any

ocher

milicar-yreserves. or

work for pay now. such as a second job, the (another) business of (his/her) own?

s&Oa.

Is

'

vr?

this a second job. the military reserves. (his/her) ovn business, or (:rfsAT A;F?LY.; ;; ,, / s,~$. B. MILITARY C. BUSINESS D. OTHER:

A. SECOND JOB

J’
S40b. s41 f/O') #HOURS S42

GO TO s41

IWER: IF BUSINESS IS ONE OF THE BUSINESSES REPORTED IN SECTION M. MARK BOX.

How many hours does (he/she) work on these other jobs in a normal week?

Counting paid vacations as weeks of work, how many weeks per year does (he/she) work on these other jobs in a normal year?

5402
S43

tlWEEKS

About how much does (he/she) earn before taxes from these other jobs? (Is that per hour, week, month, year. or what?)

s44

Thinking about all (his/her) current work for pay, does (he/she) consider (himself/herself) to be working full-time or part-time? (IWER: IF S IS IAID OFF OR A SEASONAL WORKER, ASK ABOUT "JOBS WHEN S IS WORKING".) (1.1 NEXT PAGE, S44a F,:::T PAGE, S44b

14a
!%4a. INTERVIEWER CHECKPOINT

SEE HHL UPDATE, BACK, "MOVERS-IN" HH LISTING BOX (BELOW ITEM 13)

q

1. &'J SPOUSE/PARTNER LISTED IN "MOVERS-IN" HH LISTING BOX--->TURN TO P. 15. S45

2. SPOUSE/PARTNER LISTED IN "MOVERS-IN" HH LISTING BOX)--->TuRN TO P. 21. SS45

S44b.

INTERVIEWER

CHECKPOINT

SEE HHL UPDATE, BACK, "MOVERS-IN" HH LISTING BOX (BELOW ITEM 13) 1. NJ SPOUSE/PARTNER LISTED IN "MOVERS-IN" HH LISTING BOX--->TURN TO P. 17, S46

q
s44C.

2. SPOUSE/PARTNER LISTED IN "MOVERS-IN" HH LISTING BOX)--->TURN TO P. 23, SS46

INTERVIEWER CHECKPOINT SEE HHL UPDATE, BACK. "MOVERS-IN" HH LISTING BOX (BELOW ITEM 13) 1. m SPOUSE/PARTNER LISTED IN "MOVERS-IN" HH LISTING BOX--->TURN TO P. 19. S47

0

2. SPOUSE/PARTNER LISTED IN "MOVERS-IN" HH LISTING BOX)--->TURN TO P. 25, SS47

14b

THIS IS A BLANK PAGE

15
WORK HISTORY FOR SPOUSE

ClJf'xRENTLY WORKING about

FULL-TIME (his/her) past jobs. Was (he/she) working

h5.

Now I have a few questions for pay in January 1983? --X0

$\’j

TO S45e

another employer, 45a. Was that January 1983 job with (his/her) present employer, was (he/she) self-employed, or what? (IF SELF-EMPLOYED BOTH IN 1983 AND NOW, CHECK "PRESENT FMPLOYER")

eb
45b. mat was the reason (he/she) left recireabecome disabled. quit. was close. or what? (that job/self-employment)? Did (he/she) (he/she) laid off, did the business

g\l
! (7. OTHER: I I

,..

45~.

Was

(he/she)

included

in a pension --X0 TO Sli5e

or retirement

plan

on that job?

y\\7
45d.

Did (he/she) get a cash settlement from that pension plan, does (he/she) expect to get retirement benefits from that plan in future, is (he/she) getting retirement benefits from that plan now. or what? (CHECK ALL THAT

I I
READ: I will ask about these benefits Now I want to ask about later. last three years. + the past 36 months, that (he/she) worked full-time? X OF MONTHS the

I

I

45e.

During
has

is the last

three

J years,

how

many

months

-YlZY

--______________________________________

I
16
__--------------------------~------_--__. S45f. How many different employers has (he/she) had on full-time jobs over the past 36 months?

SIZS’

# OF

EnPLoYERS

S45g. Have there been any months over this period when (he/she) only worked part-rime? 5. NO -----> CO TO S45m El S45h. How many of the pest 36 months has (he/she) only worked part-time?

zm7

X OF

HONTHS

S45i - S45k: NO QUESTIONS S45m. Thinking now of the future, when does (he/she) expect to stop working full-time? IN rlz% YEARS OR AT AGE --X0 TO S45q

j45n. Does (he/she) expect to work part-time after chat?

i45p. When does (he/she) expect to srop working altogether? IN_$(a YEARS OR AT AGE

S45q.

RETURN TO MAIN QUESTIONNAIRE,

P97, R50

17
WORK HISTORY FOR SPOUSE WORKING PART-TIE
k6.
NOW

Now I have a few questions about (his/her) past jobs. for pay in January 1983?

Was (he/she) working

46a. Was that January 1983 job with (his/her) present employer. another employer, was (he/she) self-employed, or what? (IF SELF-ULPLOYED BOTH IN 1983 AND NOW, CHECK "PRESENT EHPLOYER")

46b. What was the reason (he/she) left (that job/self-employment)? Did (he/she) retire, become disabled, quit. was (he/she) laid off, did the business close, of what?

7. OTHER:

46~. Was (he/she) included in a pension or retirement plan on that job?

;[3c4II. 1”1 ‘

15.--X0

TO S46e

46d. Did (he/she) get a cash settlement from that pension plan, does (he/she) expect to get retirement benefits from that plan in future. is (he/she) (CHECK ALL THAT getting retirement benefits from that plan now. or what?

READ: I will ask about these benefits later. Now I want to ask about the last three years.

&6e. During the past 36 months, that is the last three years, how many months has (he/she) worked part-time? g@ -_ ItOF MONTHS

18
_______________---__---------------______ ;46f. Have there been any months over this period vhen (he/she) worked full-time? <\L\\ 1. YES 5. NO -----> GO TO S46p I

v i46g. How many of the past 36 months has (he/she) worked full-rime?

5\q’ L

# OF

MONTHS

i46h. How many different employers has (he/she) had on full-time jobs over this time?

gq3

X OF

ENPLOYERS last work full-time for pay'/

i46i. When did (he/she)

j46k

S45n: NO QUESTIONS

346p. Thinking nov of the future, does (he/she) expect to do any full-rime work for pay? 1. YES 5ly6 8. DON'T KNOW/DEPENDS I GO TO S46s 7 j46q. When does (he/she) expect CD start working full-time?
IN

‘ +I1

YEARS

OR

AT AGE

98. DON'T KNOW/DEPENDS

346r. And when doss (he/she) expect to stop working full-time? IN 5-t YEARS OR AT AGE 98. DON'T KNOW/ DEPENDS 1 $ j46s. When does (he/she) expect to stop working for pay altogether? GO TO S46r

IN clq?

YEARS

OR

AT AGE

I'"

1')6/

S46t.

RETURN TO MAIN QUESTIONNAIRE,

P97, R50

19
FOR SPOUSE i7. CURRENTLY RETIRED/DISABLED, about (his/her)
BOlIEMAKER,

STUDENT, Was

OR OTHER working

Now I have a few questions for pay in January 1983? --X0

past

jobs.

(he/she)

TO S47d

Sl i7a. What was the reason disabled, quit, was

(he/she) (he/she)

left that job? Did (he/she) retire. become laid off, did the business close, or what?

7. OTHER:

se h7b.
C;& ,

Was

(he/she)

covered

by a pension

or retirement

plan

on rhar job?

[,'""1

m-i--X0

TO S47d

S, 47~.

Did (he/she) get a cash settlement from that pension plan. does (he/she) expect to get retirement benefits from that plan in future. is (he/she) (CHECK ALL THAT pettina retirement benefits from that plan now, or what?

SETTLEMENT

F&AD:

I will ask about these benefits later. Now I want to ask you about any work you have done over the last three years.

I
S 47d.

During the last for pay?

three years,

or 36 months,

has

(he/she)

done

any work

c
S 47e.

> NEXT

PACE,

S47p

How many months

over

this period m-----X0

has

(he/she) TO S47g

worked

full-time?

(210

It MONTHS

S 47f. How many different this time7

employers

has

(he/she)

had

on full-time

jobs

over

$211
S,47g. How many wz

)f

OF F.MPLOYERS over this period NONE 0 has (he/she) only vorked part-rime?

months

It HONTHS

--..-__----________________________________

20
____________----_--------~---~___-__-S47h S47n: NO

QUESTIONS

S47p. Does (he/she) expect to vork for pay in the future? X0 TO S47v

S47q. When does (he/she) expect to start vorking? SZlV IN -YEARS OR AT AGE 98. DON'T KNOW/DEPENDS

S47r. Will any of that be full-time work?
8.

DON'T KNOW/DEPENDS

J GO TO S47u S47s. When does (he/she) expect to start working full-time? IN

5216

YEARS

OR

AT AGE

98. DON'T KNOW/ DEPENDS
L

S47t. And when does (he/she) expect to.stop working full-time? IN , St'3 YEARS 7 AT AGE
, 196~~4;OPI

Slr7u.

When

does (he/she) expect to stop working for pay altogether? OR AT AGE /'"I /,,I

IN ~~YEARS

S47v.

RETURN TO MAIN QUESTIONNAIRE,

P97, R50

21
FOR SPOUSE CUP.FZNTI,Y VOPXINC FULL-TIM5 (DIFFERENT SPOUSE) S45. (READ SLOWLY:) Now I have a few questions about (his/her) past jobs. Including any periods of self-employment, the military, Bind (his/her) current iob, since (he/she) was 18, how many years has (he/she) worked full-time for all or most of -the year? (Roughly how many years?) ItyEARs 530\ :S45a. Including any self-employment and (his/her) current job, for how many different employers has (he/she) worked in full-time jobs lasting one war or more? j96.1, NEXT PAGE, SS4Sj

5302

Lt Ep(PWaRS

;S45b. Now, not counting (his/her) current job, has (he/she) ever had a full-time job that lasted for three "ears or more? 1. YES I

5303

5. NO --->NEXT PAGE, SS45j El
Did (he/she) work

;S45c. I want to know about the lonaest such job (he/she) had. for someone else, was (he/she) self-employed, or what? (11 vSELE_EHPLOYED

530 4

r

IS45d. What sort of work was (he/she) doing when (he/she) left thar job? (Tell me a little more about what [he/she] did.) no\'

jS45e. What kind of business or industry did (he/she) work in -_ that is, vhat did they make or do at the place where (he/she) worked? f30L

jS45f. When did (he/she) start working at that job? 19 5307 OR YEARS AGO

3S45g. When did (he/she) stop vorking at that job? 19 _a@ OR YEARS AGO

-------_---_--_-----_____________------------

22 WJFX HISTORY SPOUSE FOR
iS45h. About how much that per hour, $ CURRENTLY VORKING FULL-TIKE (DIFFERENT SPOUSE) (he/she) stopped? (Is

.__________--__---_--------_-----___------was (he/she) week, month, PER 53ro earning before taxes when year, or what?)

s-307

%45j.

Since (he/she) was 18, have there been part-time for all or most of the year? X0 (3\l TO SS45m

years

when

(he/she)

&

vorked

jS45k

About hov many of the year?

years

in total

did

(he/she)

work

part-time

for all or mOSt

531Z
jS45m

11YEARS
when does (he/she) expect to stop working

Thinking now of the future. full-time? IN

r3(3

YEARS

OR

AT AGE

-->GO TO SS45q

SS45n

Does

(he/she)

expect

to work

part-time

after

that?

J
SS45p. When IN does (he/she) YEARS

GO TO SS45q
J expect OR to stop working AT AGE altogether?

y31s

SS45q.

RETURN TO MAIN QUESTIONNAIRE,

P. 97, R50

23
v0P.K HISTORY
SZ i46.
NOW

FOR SPOUSE

WORKING

PART-Tim

NOW

(DIFFERENT

SPOUSE)

I have a few questions about (his/her) past jobs. Including any self-employment and (his/her) current job. since (he/she) was 18. about how many years in total has (he/she) worked part-time for all or most of the year? (Roughly how many years?)

53Lk

?d YEARS

OR

96. LESS THAN

1 YEAR

S! i46a. Since (he/she) was any self-employment 1. YES

18. has (he/she) ever worked and the military7

full-time

far pay--including

5-31-i
worked

I

5.

NO

>NEXT

PAGE.

SS46p

S!j46b.

7 How many years has (he/she) (Roughl; how many years?)

full-time

for all or most

of the year?

S3l2

#YEARS

I

jS46c.

INTERVIEWER

CHECKPOINT

-- SEE SS46b AT LEAST OR DK

1. SPOUSE HAS WORKED 5 YEARS NLL-TIME

SS46d.

When

did

(he/she) OR _#

last work YEARS

full AGO

time

for pay?

19 S-320

SS46e.

About how much did <he/she) earn before taxes year? (Is that per hour, week, month, year. or what?) J-321 PER 5-322 $ NEXT PAGE, SS46p

that

S46f.

V Incluc ling 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? 5-323

x EMPLOYERS
about the loneest full-time job (he/she) had. Did (he/she)

S46g.

I want

to know

work for someone else, was (he/she) self-employed, or what?

SUh.

What sort of work was (he/she) doing when (he/she) left that job? a little more about vhat (he/she) did.)

(Tell me

--_______________________________________

I
24 YORK HISTORY SPOUSE FOR
WORKING PART-TIME NOW (DIFFERENT SPOUSE) (CONT) ___________--_-----------_--_____-______SS46i. 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?

532L
SS46j. When did (he/she) start vorking at that job? 19

5327

OR

YEAR.5 AGO

SS46k. When did (he/she) stop vorking at that job? 19 s-323 OR YEARS AGO

SS46m. About how much was (he/she) earning before taxes when (he/she) stopped? (Is that per hour. week, month, year, or vhat?)

SS46n. When did (he/she) last work full-time for pay? 19s3r !%46p. OR # YEARS AGO

Thinking now of the future. does (he/she) expect to do any full-time vork' 5. NO I GO TO SS46s 8. DON'T KNOW/DEPENDS I

SS46q.

When

does (he/she) -YEARS

expect to start working full-rime? OR AT AGE 98. DON'T KNOW/DEPENDS

533 3
IN

SS46r. And when does (he/she) expect to stop working full-time? AT AGE 98. DON'T KNOW/ DEPENDS 196. tifiF/

J 4
SS465. When does (he/she) expect to stop working for pay altogether? IN c%<YEARS OR AT AGE

GO TO SS46f

96. NEVER r-l STOP J

SS46t. RETURN TO MAIN QUESTIONNAIRE,

P. 97, R50

U0P.X HISTORY FOR SPOUSE RETIRED/DISABLED, HOKEHAKER. STUDENT, OR OTHER

25

ss 17.

Since (he/she) was 18 has (he/she) ever worked full-time for pay? 1. YES

g33L BNOt,

NEXT PAGE, SS47m

SSL ,7a.

cs How many years has (he/she) vorked full-time for all or most of the year? (Roughly how Include any periods of self-employment, and the military. many years?)

r337
S! 347b.

tt YEARS

INTERVIEWER CHECKPOINT -- SEE SS47a 1. SPOUSE HAS WORKED AT LEAST 5 YEAP.S NLL-TIME

:

--G

SS47c. When did (he/she) last work full-time? 19s'r OR YFARS AGO

SS47d. About how much did (he/she) earn before taxes char veal-? (Is that per hour, week. month, year,

NEXT PAGE, SS47m

ss k7e. Including any self-employment and (his/her) current job, far how many
different employers has (he/she) worked in full-time jobs lasting 2~% war or more? li F.HPLOYERS -53L(7

ss,47f. I want fo know about the longest full-rime job (he/she) had.
vork for someone else, was (he/she) self-employed, or what?

Did (he/she)

SS’ 47g. What sort of vork was (he/she) doing when (he/she) left that job?

[Tell me a little more about what (he/she) did.1

53vll

ss, 47h. 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?

s-3vr
SS’ 471. When did (he/she) start working at that job?

19

J’ 3qL
c34-,

OR

YEARS AGO

47j. When did (he/she) stop working at that job? sss 19 OR YEARS AGO

---_________________________________

26
"ORK HISTORY FOR SPOUSE RETIP.ED/DISABLED, HOMZMAKER, STUDENT, OR OTHER (CONT) ______-_------------~--------_-__About how much was (he/she) earning before taxes vhen (he/she) stopped? (Is that per hour, week, month. year. or vhar?) $ a%?, ;SQ7m. PER &'i --

Since (helshe) US 18, were there any years when (he/she) (only) worked part-time for all or most of the year7 > GO TO SS47p

SS47n. F.X about how many years did (he/she) work part-time (for all or most of the year)? !a.?~47~. Does YEARS

(he/she) expect to work for pay in the future? > GO TO SS47v

S47q. When does (he/she) expect to start working? INmYEZARS OR AT AGE 98. DON'T KNOW/DEPENDS

iS47r. Will any of that be full-time work7 8. DON'T KNOW/DEPENDS I GO TO SS47u ;S47s. When does (he/she) expect to start working full-time? IN T33-5 YEARS OR AT AGE

iS47t. And when does (he/she) expect to stop working full-time? IN

y35-l.

YEARS

OR

AT AGE

I

jS47u.

When

does (he/she) expect to stop working for pay altogether? OR AT AGE
I’ “--1 j,,l

IN-EARS

SS47v. RETURN TO MAIN QUESTIONNAIRE,

P. 97, R50

INTERVIEWER CHECKPOINT:

ISEE HHL UPDATE, ITEM #l
1. R IS MARRIED/LIVING WITH PARTNER-----X0 TO SUPPLEKENTAL P. 1. SECTION S BOOKLET,

2. ALL OTHERS

IF SPOUSE/PARTNER IS PRESENT TRY TO OBTAIN SECTION S INFORMATION FROM (HIM/HER) DIRECTLY.

R50. Are you (or your [husband/wife]) ryESentlv receiviqg Social Security benefit
payments, or any other type of pension. retirement, or disability benefit payment?

dOi
R50a. S_qcr~ I,,

> TURN TO P. 100, R52

Do these include Social Security benefit payments? mNOt-> GO TO R5la

R50b. Are you both receiving Social Security payments or is only one of you? [Which one?] .IWER: CHECK PERSON(S) (RESP. SPOUSE) IN R50c. R50d.R50f FOR EACH. THEN ASK FOLLOWUP QUESTIONS

R50c. RECIPIENT

_________________>

R50d. About (your/your [husband's/ wife's]) Social Security benefits, are they for retirement or are they disability benefits? R50e. How long (have you/has he/ has she) received these benefits? R50f. How much (do you/does he/ does she) receive each month or year7 R51. Are you (or your [husband/wife]) currently receiving any other retirement. pension, or disability benefit payments7 -I 1. YES w TURN TO P. 100. R52

R51 a.

Not counting Social Security, how many retirement, pension or disability benefit payments are you (and your [husband/wife]) currently receiving? It PENSION/DISABILITY PAYMENTS

v

98
R51b. Who is receiving these benefit payments and what kind are they? (READ SLOWLY: A they pensions from a current job, pensions from a cart job, disability pensions military pensions, or spousal pensions)? BENEFITS REPORTED. IWER: HARK ONE RECIPIENT AND TYPE OF BENEFIT FOR a THEN ASK FOLLOWUP QUESTIONS R51d-R51h FOR EACH BENEFIT. FIRST BENEFIT
RECIPIENT -_____________>

SECOND BENEFIT

THIRD BENEFIT 1. RESP (2%%USI

01.

CLMI

JOB PENS

01.

CURR

JOB PENS

01. CURR JOB PEN: 02. PAST JOB PEN: 03. DISABILITY 04. MILITARY 05. SPOUSE PENS. 97. OTHER:_ 5a32
-% #

R51c. TYPE

OF

BENEFIT --5 02. PAST JOB PENS 03. DISABILITY 04. MILITARY 05. SPOUSE PENS. 02. PAST JOB PENS 03. DISABILITY 04. MILITARY 05. SPOUSE PENS. 97. OTHER:_

RSld. About (RECIPIENT'S) JqllORLYEARS (TYPE OF BENEFIT). how long (have you, SINCE: has [he/she] received it? R51e. How much is rePER% ceived each month or year-7 R51f. Has this benefit been increased wher the cost of living has increased? R51g. INTERVIEWER CHECKPOINT (SEE HHL UPDATE, ITEM #l) R51h. If (RECIPIENT) were to die, what percent of this benefit would (you/your husband/ your wife)continue to receive or VOUl~ the benefits stop? R5lj. l.R MP.RIED

yFARs

SINCE:

SINCE:

pq

(5.1
5-Y36
l.R IlAP.RIED n2%A%

I L-l GO

TO R51.

I

97. OTHER: -I

I

191.
GO BACK TO R51d FOR NEKT BENEFIT OR TURN TO P. 100, R52 GO BACK TO R51d FOR NEXT BENEFIT OR m TO P. 100, R52

GO BACK TO R51d FOR NEKT BENEFIT OR TURN TO P. 100, R52

IWER: BE SURE THAT ALL BENEFITS RECORDED IN R51a ARE ACCOUNTED FOR IN R5lb-c

99

FIFTH BENEFIT

SIXTH BENEFIT

‘ -

FOR NEXT BENEFIT

FOR NEXT BENEFIT

R52.

Have you (or your [husband/wife]) ever retirement plan of a previous job?

received

a cash

settlement

from

a pension

or

R52a

How many different received? X CASH

cash

settlements

have

you

(or your

(husband/wife])

SETTLEKENTS

R52b.

FOR was

EACH SEl-X?X.~:~T it received?

Who received

it. about

hov

much

was

received.

and when

RSZb

R52c

R52d

Kt!Q

-

s

Cash

settlement

#2

Cash

settlement

#3

Cash

settlement

#4

Cash

settlement

~5

b-.----R53. that you (and your[husband/wife]) have Now I want to ask about future pension benefits Aside from Social Security and any pension benefits you have already earned rights to. told me about, do you (and your [husband/wife]) w to receive any (other) pension benefits in the future from any past jobs? Il.,YESI e ypo{ ~--X-URN TO P. 102. SECTION T

TUP.N TO P. 10la.

R53a

101

THIS IS A BUNK

PAGE

101a
R!%B.How many such benefits do you (and your [husband/vife]) expect to receive in the future?

l2E.l
R53b.

X FUTURE BENEFITS
COLUMN
A

,

COLUHN

B

COLunN

c

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? How much is in the account
FVSd?

l-=J--l

I
GO TO R53d
t

GO TO R53d

GO TO R53d

‘ P
$ z712
$

R53c.

$sjoq 1. YES, IRA/KEO 2. YES, PENSION 5. NO 5105

57to
IRA/ICE0 PENSI?=

R53d.

Is this part of an IRA, Keogh. or pension I recorded earlier? (Which?)

L. YES, IRA/KEO 2. YES, PENSION 5. NO 571-3

1 . YES, 2 5 1 2
YES,

NO %-)LI

R53e.

Is this benefit based on earnings (or your [husband's/wife's] earnings)? 7. OTHER: -?%a
I

7. OTHER:

7

OTHER:

R53f.

When do you expect these benefits to start?

AT

AGE

s?O7 OR

AT AGE flI< OR

AT AGE

7727
OR YRS

IN R53g. About how much per month do you expect them to be? INTERVIEWBR CHECKPOINT

YRS

IN

YRS

IN

;R&

PgRr717 . $.

R53h.

(SEE R53a)

1. now?,THAN 1.noRE THAN 1. NORB THAN 3 BENEFITS 1 BENEFIT 2 BFXEFITS cl I GO BACK TO GO BACK TC [ GO BACK TC R53b. C0L.D 57@53b, C0L.B 57jjR53b. C0L.C 7 )‘ LL cl 2. ALL OTHKRI TURN TO P. 102 SECTION T 2. ALL OTHERS TUTU4TO P. 102 SECTION T 2. ALL OTHERS TURN TO ,, P. 102 .:~ ,,~ SECTION A,'

1

I

I

101b

COLUMN D

COLUMN E

COLUMN F

s-lx

GO TO R53d

GO TO RS3d

GO TO R53d

1. YES, IRA/KEO 2. YES, PENSION 5. NO s-72=, 5. NO 1. R

937
]

15. NO 1'. R

C7q5
)

7. OTHER:

AT AGE =3[ OR IN YRS

AT AGE %-3=j OR IN YRS

AT AGE

cN7 OR

IN

YRS

0
--t cl

1. MORE THAN 4 BENEFITS GO BACK TO R53b, C0L.I 2. ALL OTHER! NEXT PAGE, SECTION T

1 1

1. MORE THAN 5 BENEFITS GO BACK TO t?7=3b. C0L.F 2. ALL OTHERS NEXT PAGE, SECTION T

NEXT PAGE, SECTION T

I

SECTION T:

INCOWE

I’ EOYSKO:N 1 “: ( );
Tla WAGES AND SAlARIES? Tlb

Now we would like to get the We have talked about various sources of income. overall picture of all the different .sources of income that you (and members of your Did (you/anyone) have income from waees and family living here) had m. (RECORD IN COLUMN Tl AND ASK Salaries. including bonuses, overtime and commissions? T2 FOR EACH SOURCE OF INCOME AS IT IS MENTIONED.) In total. how much income T2. from (SOURCE).did you (and your family) receive in 1988. before NO yEs deductions for taxes and anything else? [WRITE LOSSES ( ).I (5) (1)

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?

Tic.

Tld.

Tle.

. ..dividends?

Tlf.

. ..net gains or losses from the sale of stocks, bonds, or real estate? . ..net rent. trust income, or royalties from any other investment or business? unemployment sation? or worker's compen-

Tlg.

Tlh.

Tlj.

...child support or alimony? k 8

Tlk.

Did (you/anyone) have income from ADC AFDC, food stamps, or other forms of velfare or assistance, such as SSI? . income from Social Security or other pensions, annuities, or other disability or retirement programs?

Tim.

0

Tln.

Did you (or anyone in your family living here) have income from a&y other sources? (What other sources?) -28

+iazc 5327
i

103
T3. How much was the total income you (and your family from all sources, before taxes and other deductions S living here) were made? received in 1988

sx29
GO TO T5 (and your family living here) receive more than $30,000 in 1988?

T4.

Did you

I
r4a. Was it $50,000 or more? T4d. Was

-X0 it $5,000

TO T5<l or more?

Tli'qqF

r4b. Was

GO TO T5 it $100,000 or more?

T4e.

Was

it $10,000

or more?

r4c. Was

it $250,000

or more?

T5.

During 1988. support?

did you

(or anyone

in your

family

living

here)

m

any alimony

or child

--> NEXT

PAGE,

T6

T5a.

Altogether. hov much pay in 1988?

alimony

and/or

child

support

did you

(and your

family)

104
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 here7

T6a.

How much support did you (and your family) pay?
$ c;asq

T6b.

To whom was this support given? (Anyone else?) (CHECK ALL TRAT APPLY.)

T7.

Did you (or your (husband/tiife]) file or do you expect to file a 1988 Federal Income tax return? 5. NO
I

7. REFUSED
I

8. DON'T KNOW
I

NEXT PAGE, TB r7a. INTERVIEWER CHECKPOINT--SEE HHL UPDATE, ITEM Yl 1. R %AP.RIED

q

2. ALL OTHERS---X0 TO T7c

T7b. Did you and your (husband/wife) file a joint return, did you file separately, or did only one of you file? (Which one?)

r7c.

Did you (or your (husband/wife]) file a Schedule C. E or F vith your return? (CHECK ALL THAT APPLY.) (IF R ASKS: SCHEDULE "C" IS FOR BUSINESS INCOKE. "E" IS FOR TRUST AND

r7d.

Approximately what "as your (and your [husband's/vife's]) total adjusta gross income (AGI) on your 1988 return7 (What do you think it will be?)

105
T8. NOW I'd like to ask you some questions about your (family's) income in previous years. How much was rhe total income you (and your family living here) received in 1987 from all sources, before taxes and other deductions were made?

$

sas2
GO TO T10

Did YOU (and your family living here) receive more than $30,000 in 1987?

r9a.

was it

$50,000

or

more?

7yypJyGq
I9b. Was it $100,000 or more? ~~~o~~\

I9c. Was it $250,000 or more?

TlO.

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?

$

s as-r
NEXT PAGE T12

1

DON',' KNOW

1

(

REFL'SED

]

Did you (and your family living here) receive more than $30,000 in 1986?

lla. Was it $50,000 or mot-e?

lld. Was it $5,000 or more? TTTT

4w llb. Was it $100,000 or morel pLpTTT1 lie. Was it $10,000 or more? Tpq,F

UC.

Was it $250,000 or more?

llf. Was it $20,000 or more?

106
T12. During eirher 1986 or 1987, did you (or anyone in your family living there) ret, any income from ADC, APDC. SSI, or other public assistance? 5. NO I 1986 or 1987. did you (or anyone in your family living there) receive compensation of unemployment benefits? 5. NO I

~‘I'-"s

Tl3.

During w any worker's [YESJ

sasl

Tl4.

During w 1986 or 1987. did you (or anyone in your family living here) receive any financial support from relatives or friends vho do not live here, or receive any alimony or child support payments? 1. YES "is T14a. Altogether. about how much such support did you (and your family) receive in 1986 and 1987? $ s-ass 5. NO --> GO TO T15 0

m

T15.

During w 1986 or 1987, did you (or anyone in your family living here) provide any financial support for relatives or friends who do not live here, or w any alimony or child support? 1. YES v T15a. Altogether, about how much such support did you (and your family) provide in 1986 and 1987? 58&a 5. NO --> NEXT PAGE, SECTION X I

107
SECTION X: CBARITY AND INTER-FAXILY TRANSFERS

Have you (or your [husband/wife]) ever received an inheritance. or been given substantial assets in a trust or in some other form? -->NEXT PAGE, X9

x2. sw-

How many of these have you (or your [husband/wife]) ever received? tt OF INHERITANCES, TRUSTS, OTHER TRANSFERS

INHERITANCE * 1 X3. (Thinking about the [largest/next largest] of these) was that an inheritance, a trust, or what? (CHECK ALL TRAT APPLY.) mat was its approximate value at the time it was received? 1. INHERITANCE 2. TRUST

INHERITANCE 4 2 1. INHERITANCE 2. TRUST

INHERITANCE # 3 1. INHERITANCE 2. TRUST 7. OTHER ?a-?'3

7. OTHER s-703

7 OTHER Lw2

x4.

I

$

SO?

I svy
$

I

[DON’ TKNOW] IWN’ IL(NOUI IWN’ TI

X5.

In what year was it received? From whom was it received? / 01. CRNDPRNT 02. PARENT 03. CHILD 04. AUNT/UNCLE 05. SIBLING 06. FRIEND
97. OTHER: _

X6.

01. GFNDPF.NT 1 02. PARENT 03. CHILD 04. AUNT/UNCLE 05. SIBLING 06. FRIEND
97. OTHER: _

1 01. GP.NDPRNT 1 02. PARENT 03. CHILD 04. AUNT/LTNCLE 05. SIBLING 06. FRIEND
97. OTHER: _

1

s3rr
X7. INTERVIEWER CHECKPOINT 01. Oll;{;NBl /-J. ~~T2pINHl

ftrc

q
02.

1. o;LYT3pnDll

(SEE X2)
2. ALL OTHERS GO BACK TO X3, COL #2 0 ,.%%iHEhS GO BACK TO x3, COL x3 &?J$S XS

108
X8. How much altogether were any others you have received? $ 5918

x9.

Do you (or your [husband/wife)) eqaect to receive a substantial transfer of assets in the future? 1. YES P X9a.

inheritance or

sqf‘j

Is that likely to involve a large amount of money, a moderate vhat?

amount, or

X9b.

1WF.R: RECORD Al&NT

IF R VOLUNTEERS

IT:

$

Sszr

X10.

During 1988, did you (or anyone in your family living here) make charitable contributions of money or property totaling $500 or more?

XlOa. Roughly, how much did (you/your family) contribute?

$
x11.

s-it3

s4

24i

Some people think it is important to leave an estate or inheritance to their surviving heirs, vhile 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?

j'll!zzqzq~/~]

x12.

Do you (and your (husband/wife]) expect to leave a sizeable cstete to others? ""J I II 13. POssIgLY~ 15.

I <szs,'.

109
SECTION V: CHANGES IN FAMILY FINANCES

Now I'd like to ask you some questions about the changes in 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? --> TLRN TO P. 111. V2

Vla.

Did you only buy. only sell, both buy and sell. or what?

NEXT PAGE, Vlb

I
BOTH BOUGHT AND SOLD OR ONLY SOLD

110
Vlb. In what month and year did you most recently & +3/6oo* MONTH/YEAR UC. What was the selling price? $ Vld. 46)s a home?

And when did you buy that home? 6606/6007 MONTH/YEAR

Vle.

What was the purchase price?

Vlf.

Since January 1983, have you &xJ primary residence?

any other home that was your

->NEXT PAGE, V2

Vlg.

In what month and year was this other home sold? ONE, RECORD MOST RECENT SALE)

(IF MORE THAN

Vlh.

What was the selling price? $

6012
home?

Vlj.

And when did you buy m

Vlk.

What was the purchase price?

..___j

111
v2.

1983, did you (OK anyone in your family living here) make any major Since January addition* or home improvements to a primary residence that you owned? (Do not count general maintenance or upkeep.)

V2a.

What was the dollar co*t of these additions and improvements. plus the value of any work you may have done yourself? $

6afJ
USE CARD B

v3. v4.

No Question Since January 1983. have you (or enyone in your family living here) & any real estate other than your principal residence. such 8s * vacation home, land. or rental or investment property? Have you bouahc any such real estate properties since January 19837 &'I! II.1 GO TO V5a [5.-->NEXT PAGE, V6d

V4b.

How many such real estate properties have you sold since January 1983?

6020
v4c.

X PROPERTIES

SOLD--->NEXT

PACFjV6

In what month and year did you sell that property?

4%_/60tl

YEAR

V4d.

About how much did you sell it for?

USE CARD B vs. 6W-i Have you also bought any such real estate properties since January 19837

cs1
1.

YES

5. NO --->NF.XT PAGE V7 cl

V5a.

About how much in $ 6e%-

total did you pay for this real estate? i i,,r,,,

I

USE CARD B NEXT PAGE, V7

I
112
V6. 66~ Did you also & [El GO TO V6b $ 60227 PI---> any real estate of this sort since January 1983? Vba. About how much in total was the dollar value of the real estate you & since January 1983?

USE CARD B GO TO '37

V6b.

Overall. was the dollar value of the real estate you bought equal, or what?

V6c.

Roughly, about how much (more/less) did you buy than you sold? $ 6027 / USE CARD B

1 GO TO
V6d.
INTERVIEWER CHECKPOINT SEE El&, P. 31

V? 1

&30

1. R ANSWERED

"YES" - OWNS REAL ESTATE

2. R ANSWERED "NO"-->NEXT PAGE, V8

v7.

Since January 1983, did you (or your family living here) make major additions or improvements to any real estate properties that you own? Do not cwnt general maintenance or upkeep. 1. YES 5. NO --> NUT I PAGE V.3

(50Tf

V7a.

cs1 What was the dollar cost of these additions and improvements. plus the value of any work you may have done yourself?

USE

CARD

B

113
V8

Since January 1983. have you (or your family living here) put personal funds into a privately held business, professional practice, partnership or farm that you om or share ownership in?

VBa.

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

USE CARD B V9. Since January 1983. have you (or your family living here) sold part or all of any interest in a privately held business. professional practice. partnership, or farm?

V9.a.

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.) $ 603-C F!--kiF USE CARD B

V9b.

In what month and year did you sell that? ONE.) 6037 / 6a38 MONTH,'YFXR

(MOST RECENT SALE, IF MORE THAN

VlO.

Since January 1983, have you (or anyone in your family living here) put money into or taken money out of any IRA or Keogh accounrs? 1. YES 5. NO I --> NEXT PAGE Vll

&34

cJ7 VlOa. Did you (or anyone in your family) put money in or take money out? &qo I'";'" "1 PII--4NEXT PAGE Vll

VlOb. Altogether.

about how much did you (put in/take out)? $ 60‘t/

USE CARLI B

I

114
Vll. Not counting any IRAS. Keoghs or pension accounts, since January 1983, have you (OK in your family livin; here) w any shares of stock in publicly held anyone corporations. or put money into mutual funds, managed investment eccounts or tfus:s, including any automatic reinvestment? I1.;IyEsJ 15. --X0 TO V15

erz VU. 6ocOm
v13.

Did you (or your family living with you) also sell or cash in any such assets? X0 TO Vl4

--fDid you buy 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?

&4c(

V13a. About how much more money did you (or your family living here) (put in/take our)? $ 6oW

USE CARD B NEXT PAGE, V16

V14. Altogether, how much money (including any automatic reinvestment) your family living here) put in? $ qoq6

did you (or

USE CARD B (NEXT PAGE, VI,]

V15.

Since January 1983, have you (or anyone in your family living here) & any shares of stock in publicly held corporations or taken money out of any mutual funds, managed investment eccounfs or trusts? [Fj 15. -->NEXT PAGE V16 how much money did you (or your family living here) get from that

&r(7

V15a. Altogether.

115
V16.

Since

January

1983

have you done any work for pay? -->NF.XT PAGE, V18

Not counting IRAs or Keoghs, have you been included in any employer-sponsored pension or retirement plan, or in sny tax-deferred saving plan. since January

1983?

V17s. 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)

7

1. YFS

5. NO -->NEXT PAGE, V18 I

6lot

1. YES

5. NO -->NEXT PAGE, V18 1

v V17b. For each year beeinnina with 1983, about what percent of pay or amount of money per month or year have you contributed to these plans? Altogether during this period, about how much would you guess?

,..

I
I
V17d. First, in 1983? 610-I _$ OF PAY AND/OR

610’ 8 OR b0, 4

PER 6,oG

(About vhst percent of pay or amount of money per month or year have you contributed...) $

6fc-b
bi ii

PER__ 6i"?

V17e.

in 1984?

LllO _$

OF PAY

AND/OR

$

PERm

V17f.

in 1985?

CL%

OF PAY

AND/OR

$

6tiv

PER6ltI:

V17g.

.,. in 1986?

6=,

OF PAY

AND/OR

$

61(7

PER&

V17h.

in

1987?

611f

$ OF PAY

AND/OR

$

6120

PER-1

V17j.

in 1988?

6&t

OF PAY

AND/OR

55173
$

PER6lZy

V17k.

in 1989?

&I&_%

OF PAY

AND/OR

6126

PER&

116
V18. INTERVIEWER CHECKPOINT

6~=~~

V19.

Since

January

1983 has your (husband/wife) done any work for pay? 5. NO -->NEXT PAGE, V20 I

6i2.4

1. YES

cfl V198. Not counting IRAs or Keoghs, has (he/she) been included in any employersponsored pension or retirement plan, or in any tax-deferred saving plan, since January 19837

613all.

15.~->NEKT

PAGE, v20

V19b. Has (he/she) contributed to any of these plans. such as by having money deducted from (his/her) pay7 (INCLUDE CONTRIBUTIONS THROUGH UNION DUES OR OTHER SOURCES)

6(3r
v19c.

1. YES

5. NO :->NEXT PAGE, V20 I

Fyv 0 ear beninnine virh 1983, about what percent of pay or amount of ac money per month or year has (he/she) contributed to these plans? 6,s~ II -->V19d. Altogether during this perio' about how much would you guess.

6133

$ OR
OR

6139

PER &?'(

V19e. First. in 19837

1

$ USE CARD B, IF NECESSARY (About what percent of pay or amount of money per month or year has (he/she)-conr~ibuteb.:.) &.&O 6137 _I
OF

PAY

AND/OR

$

dir-,

PER

a32

Ei
)

NONE

V19f. ...

in 19847

OF PAY

AND/OR

$

6f&

PER 'I'(

NONE 1

v19g. ... in 1985?

3a8 6IL(c _I

OF PAY

AND/OR

$

w

d/q7

P=m(i

V19h. .I. in 1986?

OF PAY

AND/OR

$

L/l/L

PER

6147

VlQj.

. . . in

1987?

6&t
u%

OF PAY

AND/OR

$

$/(rs

PER~[~O

VlQk. ... in 1988?

OF PAY

AND/OR

$

&

r;t

PERm

in 1989?

mt

OF PAY

AND/OR

$ 6fsa

PER 6(.G6

117
v20,

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'r live with YOU now and who took $5.000 or more in assets or debts awav with them? (IF R ASKS: DO NOT INCLUDE SPOUSE)

Sometimes

GO TO V21 vzoa. Altogether, way? $ vhat is the total dollar value of assets that were removed that

62a-L
USE CARD B

V20b.

Altogether, what is the total dollar value of debts that were removed that
way?

$

6203
USE CARD B

INTERVIEWER CHECKPOINT: ;EE HHL UPDATE, ITEn 9a 1. R LIVES ALONE-->NEXT PAGE, V26

2. ALL OTHERS

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. YES 5. NO --> NEXT PAGE, V26 I that were brought into

6%

9 V22a. Altogether, what is the total dollar value of m the family in that vay? $

<2N.
USE CARD B

V22b. Altogether, what is the total dollar value of debts that were brought into the family in that way? $ 6207

USE CARD B

V26.

Since 1983, have you (or your [husband/wife]) or any of your children attended college or trade school? 5. NO -->NEXT PAGE, V2g cl V2ba. Did you attend school, (did your [husband/wife]), or did your children? (CHECK ALL THAT APPLY, AND ASK ALL. FOLLOWUP QUESTIONS)

6zb
A.

62u
I

RESPONDENT

4
V26b.

I

GO TO V27

Did you get a degree?

12bd. Did your (husband/wife) ger

1

6212

1. YES

5. NO -X0 TO V27 cl

U-IO

TO V27

7 V26c. What degree did you earn? (What was the highest?) II./)]

J26e. What degree did (he/she) earn? (What was the highest?)

6213

~MA/EIBAI/-GG-Gq~]

7. OTHER: I

7.OTHER: 62(!:

V27.

How much in& did you (and your [husband/wife]) personally have to pay for al! these college or trade school expenses since 1981, including any loans you may hay taken out?

I
119
V28. Since 1983 did you (or your [husband/wife]) pay any (other) cuitian expenses for a private or parochial school far anyone? 1. YES 62L-J 5. NO --> GO TO V29 c

7 V28a. In total. how much did you pay for private or parochial school tuition expenses during that period? $ 6213

v29.

Now I have some questions about the past three vears, During the past three years. have you (or anyone in your family living here) purchased any kind of vehicle---car. truck. van or motorhome, boat or airplane, not including vehicles owned by a business or any leased vehicles? 1. YES 5. NO --X0 t7 TO V30

674

'fl V29a. About how much in tacal was the purchase price of these vehicles? $

622b

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. YES 5. NO --X0 j TO V31

62u

cs V30a. About how much did these items cost in total? s

cttz

V3L.

During the past three vears did you (or anyone in your family Living here) have a major illness or disability which required hospitalization or cost more than $l,OOO? 1. YES Lz2-J 5. NO --> NEXT PAGE, V32 0

7 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?

120
v32. During the past three wars. did you (or anyone in your family living here) have unusually large expenses that you paid for yourself, such as a child's marriage, lawsuit, or any other large expenses you have not mentioned already? 1. YES 62x.? 5. ND --> GO TO V33 0 large expenses?)

7 V32a. What was that expense for? (Were there any other unusually

6226

V32b. How much did it cost you in total (for all these expenses)?

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. YES 7 5 0

6~2q

NO -->NEXT PAGE, SECTION Y

V33a. From what source did you receive this money or property?
sources?)

(Were there any u~ner

V33b. How much did you receive in total from (this/all these) source(s)?

..,

121
SECTION / Yl. Y: RESPONDENT DEl4OGRAPHICS

Now I'd like to ask some questions about your family living elsewhere. Altogether, including children from previous marriages and adopte' children, how many sons and daughters do you (or your [husband/wife]) have who do m live with you? I # CHILDREN rFLFj ---X0 TO Y2

-7Yla. How many of them are #25orOLDER 25 or older? 195.1 GO TO Y2 !Ylb. And how many of them are less than 18 years old? 196.1

63a 1

6303
Y2. How many living brothers and sisrers do E have? TO Y3
1

#
Y2a.

BROTHERS/SISTERS

G-/NONE0
I

J

How many 630s

are

older

than

you?

tt OLDER your ~ parents. Fur moth=living?

Y3.

Now I'd like to ask~',, ,I. rS, 63~6 about

Y3a.

What

is her

age? AGE

djO7
Y3b. Is your father

still

living?

GO TO Y4 Y3c. What d-J&q
Y4.

is his

age? AGE Indian, Asian, Hispanic, black, white, or another race?

Are you American

I

122
Y5.

Now I'd like to ask you about your health; would you say your health is excellent. . fail-,or poor? (,.I plpTAIRJ14.118.DKJ

65\\

Y6.

INTERVIEWER CHECKPOINT: SEE RRL UPDATE, "DATE OF LAST IV"

432

1.

R WAS INTERVIEWED IN '86 2. AU. OTHERS -->TURh' P. 133. Wl TO

Yba.

INTERVIEWER CHECKPOINT: CURRENT MARITAL STATUS
SEE

J

HHL UPDATE, ITEM #l

63\3
SPOUSE AWAY IN SERVICE I TURN TO P. 127. Y9 TURN TO TURN TO P. 130. t-10 P. 131, Yll P. 132. Y12 llJRNTO P. 143, Y2!

Y6b. ,INTERVIEWERCHECKPOINT SEE HHL UPDATE, ITEW #2

63(Y

q

1. R MARRIED TO ME

PERSON AS IN 1986-->TLIRN P. 142. Y17 TO

2. R JURRIED TO PIFFERENT PERSON THAN IN 1986

3. ALL OTHERS --> TURN TO 9. 125, Y8

Y NRXT PAGE, Y7

123
CURRENTLY MARRIED
‘ 7

TO DIFFERENT PERSON THAN IN 1986

In what month and year did your current marriage begin?

6315

C3lL

MONTH / YEAR '7a. 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? $

63(7

-

'7b. At that time, about how much did (he/she) have in debts?

I
‘ 7.2.

NONE

7d.

NO QUESTION NO QUESTION month and year did your previous marriage end?

762. In what

'7f. Did that marriage end in divorce or were you widowed? [ 5. WIDOWED 163~1

1(1.
At

DIYORCE;]

Y 7g.

I At the time of your (husband's/wife's) death, were any a*set* given to charities or to anyone not living with you now?

the time of your divorce, was there a division of assets?

1.

63 26
YES 5. NO -->NEXT PAGE, Y7q I

63LZ
1. YES 5. NO ->NE.XT PAGE, 0 Y7j

7
Y7h. About how much was that?
$

6323
I

7 What was the total dollar value of the assets that vou retained. including your share of the financial assets. the home and other real e.state and any other property that you received?

NEXT PAGE, Y7j

$

652-j
I

NEXT PAGE, Y7p

. .._.i

I
124
CURRENTLY
.___
Ylj

MARRIED TO DIFFERENT PERSON THAN IN '86 __ ________.__ _ ____-.I _ Did you receive any settle- Y7p. What was the total dollar value of the ments from life insurance assets &rit your Cex-husband/ex-wife1 on your (husband/vife)?
-____-_-se-

*
lk.
About

TO TURN P. 141, Y13 hov much was that?

x 7q.

Were you required to pay alimony. were you supposed to receive alimony, or was no alimony involved in the
Settlement?

6’
‘ r.

3zyI:_

Did you receive custody of your children. did your former (husband /wife) receive custody. do you have joint custody. or were no children Involved in the settlement?

J?TFE

Is.

Were you required to pay child support. were you supposed to receive child support, or was child support nor involved in rhe sertlement?

>TURN TO P. 141. Y13<

I

125
CURRENTLY MARRIED: NOSPOUSE PRESENT ‘ IN 86
1

YE.

In what

month

and year

were

you

and your

(husband/wife)

married?

6331/~333
MONTH
Y8a.

/ YE.AR

We are interested in how changes in marital status affect people's At the time of your marriage, about how much financial veil-being. your (husband/wife) have in assets?

did

YBb.

At this

time,

about

how much

did

(he/she)

have

in debts?

YBC.

Altogether, how many times have you been married, marriage?

including your current

633
P. 141,YU

v
did your previous marriage end.

YBd. YBe

In what

month

and year

INTERVIEWER

CHECKPOINT

1.

LAST NARRIAGE ENDED BEFORE '83 -->TURN TO P. 141. Y13 2. ALL OTHERS

4
IYBf,

Did that marriage end in divorce or were you widowed?

At the time of your (husband's/wife's) death, were any aSSets given to charities or to anyone not living with you now? G3qI

Em.

P
At

4. DIVORCED

divorce, the time of the there a division of assets? ylb3p-->

was

NEXT PAGE, Ygq

Bn.

1. About how much was that?

What'vas the total dollar value of the assets that YOU retained. including your share of the financial asset*. the home and other real estate and any other property that you received?

NEXT PAGE, Y8.j I

6346 s NEXT PtCE, Y8p _ _ _y_____.__________

126
CURRENTLY MARRIED: NOSPOUSE
r-

._

_ _ _ _ _ ___-_
Did ments you receive any

----.
settle-

usj.

from life insurance on your (husband/vife)?

634T-g 9
Y,8k.

pJ TURN P. TO
1111,Y13

About how much "as that7

I
$ '8q.
‘ 8.5.

PRESENT IN 1986 _ _-_-_ -_____ _._ ..-Y 8~ What was the total dollar value of tht assets & at Y our (ex-husband/ex-wife1 retained? 63rlT

Were you required to pay alimony, were you supposed to receive alimov or was no alimony involved In the settlement7

"'"I::

'8r. Did you receive custody of your children, did your former (husband /vife) receive custody, do you have joint custody, or were no children 3yg 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?

>TURN TO P. 141, Y13<

-_,

5pp
CURRENTLY LIVING WITH PARTNER
Y9.

I
127

In what o rh and year did you .start living with your partner? 64cJP6c(O2 MONTH~YEAR INTERVIEXER CHECKPOINT, SEE Y9 1. R STARTED LIVING WITH PARTNER 1983 OR IATER P 0 2. ALL OTHERS-->TURN TO P. 141. Y13

Y9a.

6103

Y9b.

We are interested in hov changes in living situations affect peoples' At the time you began living together, about financial well-being. how much did your partner have in assets? (NONEI $ 6464 At this time, about how much did (he/she) $ have in debts? Have you ever been married? I,'"'I

Y9c.

6Gw

Y9d. <y&

(to someone else?) TO 9. 141. Y13

1_5.-I--->TURN

f9j.

I
When did your (last) marriage end? INTERVIEWER CHECKPOINT

j”l
GO TO Y9n I

Y9k.

SEE Y9j MARRIAGE ENDED 1983 OR IATER

,&q
Y9m.

(

0

2. ALL OTHERS -----> TlJRi? TO P. 141, Y13

Were yo: widoved or divorced. or are you separated?

CURRENTLY LIVING WITH PARTNER: SEPARATED SINCE 1983 Y9n. Do you receive support from your (husband/vife), or is there no support involved? do you pay support,

I

Y9p. How much do you receive7 $ &I7 PER 6%

-I Y9r. 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/vife). or what? 6$611.
I

.,a: :_ ,!,.

OWNED BY Rj I

12.1

7. OTHER I

-,,r

’ >TlmN TO P. 141, Y13<

128
CURRENTLY
Y9.s.
At

LIVING WITH PARTNER,
time of your divorce. was

DIVORCED

SINCE

1983 or property?

the

there

a division

of assets

5. 6417 1. YES 0 NO 7

--> GO TO Y9v

Y9t. What was the total dollar value of the assets that, including your share of the financial assets, the home estate and any other property that you received? $ 640 the total retained? dollar value of the assets that your

and

other

real

Y9u. What was ex-wife) $ Y9v. Mq

(ex-husband[

Were you required or was no alimony II.1

to pay alimony. were you supposed involved in the settlement? (2.1

to receive

alimony,

&?,0 Y9w.

15. NO ALIMONY

INVOLVED]

Did you receive custody receive custody. do you in the settlement? 1. R HAS CUSTODY

of your children, did your former (husband/wife) have joint custody, or were no children involved

ki

2. SPOUSE

HAS

CUSTODY

3. JOINT

5. NO CHILDREN

INV

I 4
Y9x.

I

I
were you involved

TURN TO P. 141, Y13
supposed to receive in the settlement?

Were you required to pay child support. child support, or was child support not 1. PAY SUPPORTl 1 12. RECEIVE SUPPORT1

&‘,tt

' >TUF?N TO P. 141, Y13<

129
CURRENTLY LIVING WITH PARTNER,
Y9y. WIDOWED SINCE 1983 any asset* given to

At

the time of your (husband's/wife's) charities or to anyone not living with --> GO TO Y9aa

death, were you now?

Y9z. $

About

how

much

was

that?

6’ i iz’
Did you receive (husband/vife)? any settlements from life insurance on your

Y9aa.

--> TURN

TO P. 141,

Y13

Y9bb.

About

how much

was

that?

$
TURN

Lqzs
TO P. 141. Y13

I
130
CURRENTLY ,
‘ 10.

SEPARATED

In what month and year were you separated? MONTH// YEAR

!lOa. In what month and year did that marriage begin?

110b. INTERVIEWER CHECKPOINT,

SEE YlOa

1. LAST MARRIAGE BEGAN 1983 OR L4TER

2. ALL OTHERS --> GO TO YlOe

YlOc. We are interested in how changes in marital status affect peoples' At the time of your marriage, about how much financial well-being. how much did your (husband/wife) have in assets?

$

I

YlOd. Af

this time, about $

how much did (he/she) have in debts?

6Y33

cl

NONE

110e. DO you receive support from your (husband/wife), do you pay support, or is there no support involved?

$ &37

PER

6q3a

YlOh. Are the assets and debts that you've told me about in this interview owner mainly by you. are they owned jointly with your (husband/wife), or what?

TURN TO P. 143, Y25

131

CURRENTLY (11.

DIVORCED

In what month and year were you divorced?

Illa. In what month and year did that marriage begin? wz Qu3 MONTH ,'kFAR

Illb. INTERVIEWER CHECKPOINT, SEE Yll 0 1. R DIVORCED IN 1983 OR IATER 2. ALL OTHERS -->TURN TO P. 143, Y25

6’ 4’ o 4’ 1 4
Yllc. (,q$' (1.1

At the time of your divorce, was there a division of assets or property: j5 --> GO TO,Yllf

Ylld. What was the total dollar value of the assets that vou retained, including your share of the financial assets, the home and other real estate and any ocher property that you received?

Ylle. What was the total dollar value of the assets that your (ex-husband/ ex-wife) keDt or retained? $ 6%

Yllf.

were you required to pay alimony, were you supposed to receive alimony, or was no alimony involved in the settlement?
121
15. NO

(,'iqi'E, m

ALIMONY INVOL"EDI

Yllg.

Did you receive custody of your children, did your former (husband/wife: receive custody, do you have joint custody, or were no children involve( in the settlement? 1. R HAS CUSTODY 2. SPOUSE HAS CUSTODY 3. JOINT 5. NO CHILDREN INV

~~Gz~&z

illh.

Were you required to pay child support, were you supposed to receive child support, or was child support not involved in the settlement?

ITlJFUTO P. 143. Y251

I

132

CURRENTLY WIDOWED
!12.

In what month and year were you widowed?

6~

/6ys-~
&-3/erv MONTH / YEAR

HONTH'/ YFAR i12a. In what month and year did that marriage begin?

YlZb. INTERVIEWER CHECKPOINT, kqsy lg

SEE Y12

1
I

WIDOWED 1983 OR IATER 2. ALL OTHERS -->TuRN TO P. 143, Y25

I

!12c.

At the time of your (husband's/wife's) death, were any assets given t0 charities or to anyone' not living with you now? II-1 15.~-> GO TO Y12e

4

;yfi

112d.

About how much was that?

4

$

6vr7

112e.

Did you receive any settlements from life insurance on your (husband/wife)? 5. NO -->TUP,N TO P. 143, Y25 cl

Y12f.

About how much was that?

-[TURNTO

P. 143. Y251

133

SECTION YY: RESPONDENT DEHOGRAPHICS (FOR R'S NOT INTERVIEWED IN '86)

INTERVIEWER CHECKPOINT: !E HHL UPDATE, ITEM #l

SPOUSE AWAY P. 135, W3 P. 136. YY4 TURJ TO P. 143. Y25

CURRENTLY MARRIED Yla. In what month and year were you (last) married?

J

654 (sa
MONTH/YEAR

Ylb.

Is this your first marriage or have you been married before?

TURN TO P. 141, Y13 Ylc. Altogether, how many times have you been married, marriage? including your current

Yld.

Did any of these marriages end by your being widowed? --->_ TO P. 138, YY7

Yle.

How many? # TIMES WIDOWED I TURN TO P. 138, YY7

osa7