CASE ID# I~~_..

_____ I I

I

I

I

I

NORC-4562 OMB: 71(X)-0254 EXP: 12/11,92 SECOND PRINTING

19%

SURVEY OF CONSUMER FINANCES

4fAkkcdeboo~
National Opinion Research Center University of Chicqo I IS5 East 60th Street

THIS STATEMENT

MUST BE READ TO ALL RESPONDENTS

This interview is completely voluntary and confidential. If we should come to any question you do not want to answer, let me know and we will go on to the next question. Feel free to consult any knowledgeable

IN-PERSON TELEPHONE LENGTH OF INTERVIEW: I I I.1 I I

I 2

1_._1__1:l-1-l AMjFM nm STARTED IN~WEWER:

r @##PI= bl!y$J
.?= Nbt%%d

)(loO=

abent

S/P

fCdC
in Hti

I

x/ol=*~pcrsons
COL.AANDVERIFYTHELIST.

~S~RENLJMERATION

SHEET FROM FACESHEETTO

Before we stat the interview. one. Let’ start with you--how s INTERVIEWER: COMPLETE

I need to (re-) list the people who live here and obtain some basic information old ze you?

about each

A766w+s4ans;n
BEFORE ASKING HHLl.

Pfu.

COL. A. B AND C FOR EACH PERSON

M

MARITAL STATUS P SP D W N

HHLl. (ASK OF ALL PERSONS

m:mied or living with a panner. sepamted. (RECORD IN COL. D ABOVE.)

18 AND OLDER,EXCEPT SPOUSEl(.Arr yw/IsWLATIONSHIP])cuncntl; divorced. widowul. (have or y~/h;t~ [he/she]) beenmarried’. nzv~

HHL2. (ASK FOR ALL PERSONS 18 YEARS AND OLDER,EXCEPT (he/she) usually live here? (RECORD IN COL. E ABOVE.) HHL3. INTERVIEWER:

RESPONDENT

AND sPOUSE) -Dws

cornpAd km

dab

ATLEAST

ONE (I) HU MEMBER 18 YEARS OR OLDER--OTHER x IQ = Y?l& rcwnci )ed YES (GOT0 HHL4) ..,....,..

THAN RISPOUSE

HHL4. (ASK ABOUT ALL ADULTS

18 YEARS AND SPONDENT AND SP (OZELATJONSHlp) depend on YOU(and your ~husband/wife/p;mnerI) for most of (his/her) support or is (he/she) financially independent for the most pan’) (RECORD IN COL. F ABOVE.) . INTERVIEWER: RETURN TO COLUMN A AND REPEAT HHLI TO HHL4 FOR EACH PERSON.

HHL5.

1 will be ;Isking you :ibout vxious kink of household tinanclal matters during this interview. As WC go through the inteww. when we say your “family living m WC will mc;m -- [RED RELATIONSHIP OF ALL Hu MEMBERS EXCEPT THOSE MARKED “INDEP.” IN COL. F.)

Dolj-

XG 107 WP

%5907 ,go,,j+, X703 R

fZ x 7392 @/P w
HHL-I

.

X8020, X102, X108, X114, X120, X126, Xl32:';;202, X%, What is the next person's relationship to you?
1.

X214, X220

2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 29. 31. 32. 33. 34. 35. 36. 39. 15. 0.

RESPONDENT Spouse of R Partner of R Child (incl. in-laws) Grandchild Parent (incl. in-laws) Grandparent (incl. in-laws) Aunt/uncle Cousin Niece/nephew Sister/brother (incl. in-laws) Great grandchild Child of partner (only if volunteered) Other relative Roommate "Friend" Relative of Partner Boarder or roomer/lodger Paid help (maid, etc.) Foster child Other unrelated person Absent spouse, treated as PEW member Inap. (No further persons)

!

I
SECTION ---. A: ATTITUDES AND FINANCIAL INSTITUTIONS

I.

I’ like to start this interview by asking you about your expecntions d

for the fume.

Over the next five ycrs.

do you

expeCt the U.S. economy as a whole to perform better, worse, or nbour the same :LFit has over the m

five years’ !

Better . . . . . . . . . . . . . . . . . . . . . . 1 .. Worse 2
About the sine 3 2. Five years from now, do you think interest rates will be higher, lower. or about the same as today? Higher Lower

x330”

.................
.........................

:. ......

1
2

About the same ...................

1

up more

.......................

1 2 3

Up less ........................ About the same ...................

prices?

....................... Up less ........................ About the same ...................
up more

1
2 3

4.1.

At this time, do you have a good idea of what your (family’ income for next year will be? s) Yes .,._...__..,......__....... No . . . . . . . . . . . . . . . . . . . . . . . . ...2 1

A-2

nil” ”

When making some people

major decisions about credit or borrowing, shop around for the very best terms while others family be on the scale:

don't

What number would you/your ~=ALMOST ~0 SHOPPING 2 3=MODERATE SHOPPING 4 i=A GREAT DEAL OF SHOPPING

x7101 - x7110 What sort of information do you and your (spouse/partner1 use to make Do you call around for terms? decisions about credit or borrowing? or material that you get in the mail? Do YOU read newspapers, magazines, Do you get advice from a friend, relative, lawyer, accountant, or financial planner? Or do you do something else? l=Call around Z=Material in the mail 3=Other advertisements 4:Accountant 5=Magazines/Newspapers 6=Friend/Relative 7=Lawyer 8=Financial planner; broker 9=Never borrow or haven't borrowed lately ll=Information from store/dealer 12=Bankers; other lenders 13=Television; cable; radio 14=Computerized data services; other data services li=Don't shop around; always use same institution lF;=Past experience 17=Material from work/business contacts lS=No information other than what R/family knows 19=Other personal research 20=Other types of information --> -7 21=Real estate broker; builder 22=0ther institutional source (e.g., college, social etc.)

service

agency,

x7111 When making major saving and investment decisions, some people shop around for the very best terms while others don't. a
:

What number would you/your family be on the scale? l=ALMOST NO SHOPPING 2 3=MODERATE SHOPPING 4 5=A GREAT DEAL OF SHCiPPING X7112 - X7121 How do you and your (spouse/partner) make decisions about saving and DO you call around for rates? Do you read newspapers, investments? magazines, or material you get in the mail? DO you get advice from a friend, relative, lawyer, accountant, or financial planner? Or do you do something else? l=Call around 2=Friend/Relative 3zAccountant 4=Lawyer 5zFinancial planner/Broker 6=Magazines:Newspapers 7=Self/do not get advice 8=Material in the mail lo=00 not save/invest ll=Other advertisements lZ=Bankers; other institutions 13=Television; cable; radio 14=Computerized data services; other data services 15=Don't shop around, always use same institution 16=Past experience 17=Material from work/business contacts 18=N0 information other than what R/family knows 19zInvestment club 20=Investment seminars 21=Other personal research 22=0ther types of information --:% -7 23=Shop around

A-2.5

5.

The next few questions we about thr financial institutions that you do business with. With how many financial institutions do you (and your family living here) curn~~tly have a.xounl~ or loans. or regularly do m fmancial business? Jnchde btis, savings and loans, credit unions. brokerages. loan companies. and so forth. but a institutions where you have only credit cards or business accounts. INTERVIEWER: (ACCOUNTS USED ONLY FOR BUSINESS SHOULD NOT BE INCLUDED.) One (ASK Q.S.1) Exact Number Given (SKIP TO 0.52) Some. exact number unJaown (SKIP TO 0.521 1 2 .A%&

_I_(

<---------

(INTERVIEWER: R INSTITUTIONS

WRJTE THE NAME OF THIS INSTITUTION ON LINE 1 OF JNSTJTUTJONS CARD. CARD. READ: This will be referred to as Jnstitution #J throughout thr interview. SKIP TO Q.S.10

HAND

5.2.

INTERVIEWER: ASK 45.3 - Q.S.8 AND WRITE NAMES OF FINANCIAL JNSTJ-JUJIONS ON INSTJTUTIONS CARD. NOTE: ORDER JN WHICH JNSTITUTJONS ARE LJSTED IS NOT IMPORTANT. What is the mameof the fmancial institution where you (and your family Living here) do the most business? What is the “ <ante of the fmancial institution where you @andyour family living here) do the sumd business’ ? (And the third?) (And the founh?) (And the fifth?) (And the sixth?) Have you included the accounts for zdi the people in your householdl (HAND R INSTITUTIONS CARD, READ:) The institutions listed on this card will be referred to as Institution #l, #2, (3/4/5/6) throughout the interview. most

5.3. 5.4.

s.5. 5.6. F.-l. 5.x. 5.9.

5.10.

Do you (or your family living here) have a card that allows you to deposit or withdraw money from [this/ these] institution(s) using a cash machine? Yes

No

_........................... . . . . . . . . . . . . . . . . . . . . . . . . . . ..2’ 5
1 OF INSTITUTIONS (FROM 5) IN BOX 5.11 AT TOP OF

RECORD

TOTAL

NIMBER

A-3

-

#TNST.

INSTITUTION COMM BANK S&L/SVLNGS BNK CREDIT UNION FIN/LOAN CO.

#, , I: 1: I‘ !t

INSTITUTION COMM. BANK S&L/SVINGS BNK

#2 I1

INSTITUTION CoMM. BANK BNK

#3 I

6.

(SHOW CARD 1) (About fartitutioo #l1/2/3/8/5/6]), abat kind of btstitbtion S tbb? (1s it a commercial bank, B sz+viws and loan or Savings bank, a credit union, a finaare or toan company, a bmkeq;e, or what?)

I2 13 I.4
1, 6

S&L/SVINGS

I: 1: 12 lr

CREDIT UNItIN

CREDIT UNION FIN/LOAN co.

FEWLOAN co.
BROKERAGE. OTHER (SPECIFY):__, x312

BROKERAGE.. OTHER (SPECIFY):

BROKERAGE

X308
DONT KNOW How (do you/does your family) mainly do business with this
institutioo (--by Clrch Machine, in peruro. by mait, by phone, w some other way)?

--’
98 01

J,

? DONT KNOW By cash machine 91

DON’ KNOW T By cash machine

3 91 0:I F I i I

By cash machine

01

b

Roughly, bow many miles S tbe ofnce or cash marbble of thii 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.)

l&&J@1 MILES

~duu!fl
MILES ONE MILE 8 LCSb Shar c. m’ lc FOREIGN LOCATIO& LOCATED AT WORK OVER50MlLES ..b’ /.#?? 001 -I 992 993

I&s/J5 MILES ONE MILE m I.c~b$*an amlIe IFOREIGN LoCATION MI -I 992 9Y3 @

:oREIGN

LOCATION

992 993 9p4

.OCATED AT WORK )VER 50 MILES .OCAL PHONE OR POSTBOX XIN’ KNOW T .6!

I-0CATED

AT WORK .s.I

,3VER 50 MILES IJJCAL PHONE OR
POST BOX 998 1

:?

$it8 998 1

LOCAL PHONE OR POSTBOX . . . ..?.?W DONT KNOW Yes. (REASK Q6-9)

.? 67 M Y~X I

IION-T KNOW
Yes (REASK Qh-9) (SKIP TO QUESTIoN

9.

INTERVIEWER: IS THERE ANOTHER FINANCIAL INS’ ITTUTION?

!es Jo

(REASK Qb-9) (SKIP TO OUESTION 10)

2

No....(SKPTO QUESTION 10)

1 Va 2 -

10)

2

A-4

I
INS’ ITWTION #t INSTITUTION #5 INSTITUTION #4

COMM. BANK .................. SBcLiSVmGS BNK ............... CREDIT UNION ................. FW.fLOAN CO. ................. BROKERAGE. .................. OTHER (SPECIFY):

1 1: I: 1z 11

COMM. BANK S&L/SVLNGS BNK CREDIT UNION FIN./‘ LOANCO. BROKERAGE.. OTHER (SPECIFY):

, 1: 1: 1‘ 11 _*

COMM.BANK SBILISVINGS BNK CREDIT UNION FIN./LoANco. BROKERAGE. OTHER (SPECIFY): I( DONTKNOW

I1 12 13 14 16 -7

x320
DONT KNOW .................. By CashMachine .............. Dir& TkpaJit Inperson .. . . .........

-1
91 01 ........ f?

xs2J
DONT KNOW By Cash Machine

/s
9s 0: bI 0:

320

/i
98

. . .. . . .. ....

IlU MILES 3NE MILE OR!%%5 .., ........... QSS +har\ L MIC ‘ OREIGN LOCATION ............ _OCATED AT WORK 7VER 50 MILES ........... Oa -I 992 ,993 $!.pdh :.?.& 998 : 1 2

iaa;ur
MILES ONE MILE e .,. Le53 +tm a mllr FOREIGN LOCATION LOCATED AT WORK DVER 50 MILES -0cAL PHONE OR POST BOX X)NT KNOW .(REASK Q6-9) ........... (SKIP TO QUESTION 10). ........... .s! fi 001 ;,: 993

?aMILES DNEMILEOF?bE3% C&S y.+lm a $1;’ FOREIGN LOCATION LOCATED AT WORK DVER50MILES LOCAL PHONE OR POST BOX 3oN-T KNOW $1.. .?? ‘ _“) . 992 993 &i #’ 99x

............

>OCAL PHONE OR POSTBOX ............... X)NT KNOW .................. (es ...... Jo ...... .(REASK Q6-9) ......... .(SKIPTO QUESTION IO). ..........

: 3 spr( 998 1 2

Yes ...... \lo .......

SKIP TO NEXT PAGE, QUESTION 10

A-S

I
X7582 A debit card is a card that you can present when you buy things that automatically deducts the amount of the purchase from the money in an "aunt that you have. ! I*<:;#. Do/Does you/your family use any debit cards? l=YES S=NO X7122 Some people have their paychecks or Social Security benefits or other money automatically paid directly into their acCOUntS. Do you or someone in your family living here have any money directly deposited into one of your family's accounts? l=YES 5=NO X7123-X7125 What kinds of deposits are these? (CODE ALL THAT APPLY) X7123 PAYCHECK/OTHER INCOME FROM WORK (e.g., consulting fees) X7124 SOCIAL SECURITY/RAILROAD RETIREMENT l=Checked 5=Not checked X7125 OTHER 4 Disability payments; VA disability benefits 6 Supplemental Security Income (SSI) and other types of Welfare 7 Automatic transfers from another account Automatic payments on loans made by R (i.e., loans from shich R receives Royalties and other investment income (Not Elsewhere Classified) ;0 Alimony/support 12 Pension or other retirement income 13 Insurance reimbursement __> -7 11 Combination of Types 5 Not checked

X7126

Some people have their utility bills, mortgage or rent payments, or other payments automatically paid directly from their accounts without having to write a check. Do you and your family living here have any payments that you make in this way? l=YES 5=NO
x7127-x7129

What sorts of payments are these? (CODE ALL THAT APPLY) X7127 UTILITY BILLS X7128 MORTGAGE/RENT l=Checked 5=Not checked X7129 OTHER 4 Condominium/Coop fees 6 Lease payments I Insurance a Automatic transfers to other accounts/investments 9 Cable; newspapers; magazines 10 Gifts to charities/non-profits 11 Tuition 12 Health club; YMCA/YWCA/YMHA/YWHA 13 Other payments of irregular bills (e.g., credit card bills) 14 Alimony/support; other transfers to family members --> -7 15 Other regular payments; combination of types 16 Car loans; other non-mortgage loan payments (except credit cards) 17 Security system; garbage fees; other regular home maintenance fees L5 Safety deposit box '-9 Internet provider payment > Not checked

:7130 . 'smart card' is a type of payment card containing a computer ,hip which is set to hold a sum of money. As the card is used, 'urchases are subtracted from that sum. o you or anyone in your family living here have any such cards that ou can use for a variety of purchases? =YES =NO

fl-5.5

10.

I will ask you more about the acccmll inIeNiew.

and loans you have at (tiis/tiese)

institution(s) in the her

A-6

SECTION B: ATTITUDES

TOWARD

CREDIT/CREDIT

CARDS

1. Now 1 would like to ask you some questions about how you feel about credit. or a bnd idea for people to buy things on the installment plan?

In general, do you think it is a good ideal

pw

Goodidea _.,_ __ ._ . _....., .., .., 1 GOODINS~MEWAYS,BADINOTHERS . .._..._....... #3 Badidea . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..#~ DON’ KNOW ~~....~...~~......~...~..~.~~..,~~.~~ T 8

2. PropIe have many different ~eas” for borrowing money which they pay back Over n period of time. For c:ach of the ns reaS” 1 read, please tell me whether you feel it is .d) right for someone like yourself to borrow money... nS
No

Yes

DK x x x x x_

fivo2 x 403
fYoJ XYOS XYOG

2.1. 2.2. 2.3. 2.4. 2.5

first. t” cover the expenses “ a vacation trip? f next, to cover hvmg ex~nses (next.) when incomc is cut?

1 1 1 I 1

Pi 29 #t 2s vg

to fmance the purchase of FI fur coat or jewelry? . . . . . . ..____......._.___

(next)tof~ancethepurchaseofacar? Fmally, to finance educational expenses? .. . ItO* you 0p#U *my

x7131

24

+yp

04 Crdif

eC Itiel

in *

IrUf Syfi.

3. In

I’ YCS the past five yeas. has a particular lender or creditor turned down any request you [or yow (husband/wife/panner)] No made for Credit. Or not given you CI.Smuch credit as you applied for? (PROBE: Turned down, or not ils much crcditl) cs Yes.tumeddown Yes, not as much credit No . . . .. (GOTOQ.3.1) __. (GO TO 0.3.1) (SKIPTONEXTPAGE.Q.3.4) ___ 1 Z 3 rg requested by reapplying to the

x W

. ..

3.1. were YOU later able to obtain the full zn~~ount you (or your husband/wife/partner) same institution or by applying elsewhere?

xw

Yes

NO..............................................~

.............................................

I 6

Did Not Reapply .................................... 3.2. On the most recent occasion, what reas” were you (or your husband/wife/partner) ns for credit “ unable to get as much credit as you applied for? T

3 given for being homed down

3.3 What typt: of credit did you apply for? Mortgage . . . . . . . . . . . . . . . . . . . . . . __ _, .._ ., ., 01 02 03 04

Car loan . . . . . . . . . . . . . . . . . . . . . . . . . . _....
Other installment loan Credit Card Other (SPECIFY) Line

_..,

__. _.,

ofcredit

.

. . F ..

_ , _, 19

-7H

3.4. Was there any time in the pat five ywrs that you (or your husbamVwife/p.anner) thought particular place, but changed your mind because you thought you might lx turned down?

of applying

for c&it

at n

Yes ................... No ....................

(GOTOQ.3.5) (SKPTOQ.4)

..............
...............

1

jf5
think YOU might k hmxd down’ !

3.5. On the most recent occasion. JX2r#? _w

why did you (or your husband/wife/parmw)

next

43ee+

4. Do you (or anyone in your fnmily

living

here) have any debit cards?

(A debit c.ud is n card that you cnn present when in an account . 1 ,fs

you buy things that automatically

deducts the :unount of the purchase from the money . . . .

that you have.)

X3502 pj*#.

Yes . . . . . . . . . . . . . . . . . . fGOTOQ.4.1) No . . . . . . . . . . . . . . . . . . . . (SKLPTOQ.5)

@o*, ifi **b+I 4.1. How many such caals do you (and your family same :Iccount)

living

hue) have?

(Please do not include

duplicate

cards for tbhc

I--

I

I

4.2. Please look at the Institutions or from someplace “ SOMEPLACE ELSE” : INST.#l Ih’ ST.#? INST.#3 INST.#4 INST.#5 lNST.#6

Card. ALL

(Is this/Are THAT

these) card(s) with any of the institutions [IF INSTlTUTlONS CARD:

on the Institutions

f&d. [IF

else:’ (CODE

APPLY.)

Which institution(s):‘ ]

What type(s) of institution(s)?] . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..__........ . . . . . . . . . . . ::. 01 02 03 04 05 06 II 12 13 14 16

.._.

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . ..__...........

........................................ COMMBANK .................................... S dt L/SAVINGS BANK ............................. CREDIT UNION

..................................
. . . . . . . . . . . . . . . . . . . .._..........

FINJLOANCO . BROKERAGE OTHER (SPECIFY):

.07

5. Now l have some questions aboul credit cards and charge cards. Do you (or anyone in your family any credit cnrds or charge cards? (Please do not include debit wds.) ,,,Yes No (GOTOQ.6) (SKIP TO Q.13) I

living

here) have

&! 5

x CIJO

B-8

Reason for being denied credit Personal Characteristics of Borrower Family background/life history; who your parents (relatives) are 50 51 Family size; number of children or dependents 52 Marital status 53 Sex 54 Combination of marital status and sex, "single men", "married women" 55 Age 56 Race 57 Personal character/reputation, whether borrower is stable, honest; known by other people trusted by institution Health 58 Other personal characteristics of borrower 59 Credit Characteristics of Borrower Need to have a checking/savings account (at institution) 61 Haven't established a credit history 62 Credit rating service/credit bureau reports 63 64 Credit records/history reom other institiuon; other loans or charge account; previous payment records; bankruptcy Lack of/not enough assets/collateral/property to secure the 65 loan (except home ownership, code 74); size of down payment; financial status Amount of debt; size of other payments; ability to repay loan 66 Other credit characteristics of borrower 69 Financial'characteristics of Borrower Bad Credit, NEC 70 Time on current job 71 Job; type of work; steady/secure employment; good job 72 Lack of job; not working; on welfare 73 74 Lack of homeownership Time at current address; time in community or state 75 Amount of income; "income" 76 II Source of income; retired Where you live; what type of neighborhood/area of city you 78 live in; if you live in the state/county Other financial characteristics of borrower 79 Miscellaneous Lack of familiarity/experience; don't have an account there; 81 I'm not a credit union member Previous bad experience (N.E.C); had difficulty/been turned down NA why 82 Instutution is more "strict" in lending requirements, NA in what areas 83 'lDiscrimination'; references to red-lining, NA basis 87 Inconvenient/difficult, not codeable above 88 Other miscellaneous 89 Didn't approve of purpose for which money was to be borrowed 90 Loan was too large for source to handle; source doesn't have 91 of source are low much money to lend; moneyfl*reserves Interest 92 Insufficient collateral/equity 93 --> -1 None; no reason was given; "bank policy" 96 --> -7 Other -- N.E.C 97

8-4

COLUMN

c

I

COLUMN

D

II

COLUMN

E

Gasoline cards such
as Shell, Exxon, BP, Texaco, Amoco 1; vg . m1r

American Express, Diners Club, Carte Blanche I=YM t%I’ Jb

Airline, Car Rental, or other I- Yes

x79%0
x425 NONE (SKIP TO COL. E) + l-l-1 v # ACCTS. ..46 e’ .80 NONE

X2,
. . .w.v.. . . . . :Jt WUP TO Q-11, # ACCTS. . .m

NONE. xr(2t. . . . . . . . .+ -’ . .....
(SKIP TO COL. D) --f I_J_I Y..& # ACCTS.

j_l_I w

F

l_l_l~l

I

I

I
. . _. A

$I
NONE

I

I.1 .gqtk..

I

I

I i&k

$

I__l___I~I I

I

I

NONE

. .fif!?.S.

NONE

..xfilit9 $lWl ._...
I IfI
.xtl.3c!.

6I_l___ld_I_J_I
YONE . . &f&?. . . . . &!@I GO BACK TO Q.6, COL. D 11. INTERVIEWER:

$I
NONE

I

I,l .g.y2?.

I

I

I %&it9

$ I NONE

I

l-1
. . ..&

GO BACK TO 4.6, COL. E

GO TO Q.11

SEE Q.6, COLUMNS

A AND B

DOESRHAVEANYCARDSINCOLUMNAORB? YES NO . . . . . . . . . . . . (GOTOQ.12) (SKIP TO Q.13) ..I........ 1 2

12. Thinking only about Visa. Mastercard, Discover, Optima and store cards, do you almost always, sometimes, or hardlv ever pay off the total balance owed on the account each month?

vi32

Almost

always

.....................................

1

Sometimes ........................................ Hardlyever ..................................... 13. (Other than the store accounts where you have credit cards), do you twe where you owed money after your last payment?

a3 ..r . at stores

any charge accounts 1 #s

x3577

Yes No 14. How many such accounts

. .._.__...___

(GO TO 4.14) (SKIPTOSE~IOND) l_l_l

.._...

do you have where you owe money?

luonc=-l

COLUMN A EXAMPLES Now I would like to ask you a few
questions about your credit cards. (SHOW CARD 2 AND ASK 4.6.) (EXAMPLES)

COLN

B

-----.

Visa, Mastercard,

Sears, K-Mart, furniture,

clothing and other stores I - Ye5 t+ ldo x wq’ ! NONE .???I’ ,. . NONE .??.!?. $I (SKIP TO COL. C) --f I_/_1 # ACCTS .uc

6. How many different

cards do you (and your family living here) have? (READ ONCE: Please do not count duplicate cards for the snme account or any business or company accounts.)

(SKIPTOCOL.8) l_il#ACCTS. -..96

+

7. On Your Iat bill, roughly how much
were the m charges made to (this/aU these) account(s)? (ACCEP RANGE)

$ I_I_L._I__l_l
NONE . . . ?I.!iIz.. . . . &!R

8. After the last payment(s)

(was/were)

made on (this/these) account(s), roughly what was the balance still owed on (this/all these) account(s)? 9. What is the maximum amount you

$l_l_l,1_l_l_l
NONE . .

$I

I

IA

I

I

I r*(yo(I

PiJ.3.. . . . .41&a
I IT... -1

NONE

1421
GO BACK TO

-’

could borrow on (this/all of these) account(s): that is, what is your total

s I-

l-1 (ILY? Nanc

06, COL. c

how important was the interest rate that is charged on the balances -very important, Important, somewhat or not important? Card.

Very Important .... ....... 1 Somewhat Important .... ... 2 Not Important . .. . . . . . .. . . 3

10 P1a.w look at the Institutions
(Is this/Are (of the) institutions on the Institutions Card, or from somepiace else? (CODE THAT APPLY .) [IF INSTITUTIONS institution(s)?] CARD: ALL

[NST.#l LNST. #2 LNST. #3

._.._.._......._ ?!?.? &c?$&&. !!?!8.

01 _ 02

these) card(s) with any

. . _ . . _ .03 . . . . . . . 04 . . . . . . . 05 . . . . . . 06

INST. #4 8.%!!.
Which What

INST.#5

!.?!!rr.?.

[IF “ SOMEPLACE ELSE” : t*(s) of institution(s)?]

INST. A6 !! %‘ ?.

iM. EXP.

(OPTIMA) . . . . . . 151 07

OTHER (SPECIFY):

GO BACK TO Q.6. COL. B

B-IO

15.

After the kt payment(s) (this/all these) account(s)?

(was/were)

made on (this/these)

account(s),

what

WAS the balance

still OWN

0”

$ ~_~_~_U_l__1

Now=-/

SECTION D: HOUSING
1. INTERVIEWER

X50\

OBSERVATION: WHERE DOES R LIVE? OR FARM r _.._. . . . About how many acres is this (farm/ranch)? (GO TO Q.2)

1

R LIVES ON A RANCH v RLNESINAMOBILEHOME RII a+hy

(SKIPTOQ.ll)

_..__..,,___,,.__.__

2

+urocJ

2.
x

Now I have some questions

about this property.

502

I_ I-1_L_1__1 B+3vmew

ACRES

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..++9%%

3.

Do you (or anyone in your family living here) operate a fanning or ranching business on this property? (IF R CLAIMS THE FARM ON HIS INCOME TAX, THEN THE FARM IS A BUSINESS FOR OUR PURPOSES.) Yes No Do you (or anyone (SKIP TO 4.4) (GOTOQ.3.1) I _. ._ ___ ._ __, ._ .J! g

x503
3.1. x soq

in your family living here) rent out any pan of this property (GO TO Q.3.2) (SKlPTOQ.16)

to others? 1 pi

Yes No . . . 3.2.

.

.

. . . . .._...

How much rent do you collect each month? $I I
1)

x-s

I

I

I --I

NONE...................................... 2aemmmv

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (SKIP TO 4.16)

fis*

Week . . . . . . . Month . . . . . . . Quarter . . . . . . Year . . . . . . . . Other (SPECIFY)

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . .

. . . W2 . ..wC~ ...& f ...&? b M-7

(SKIP TO 0.16) 4. What part of this property x so 7 is used for the farming or ranching OR business? ~_~_~,1_~_~_~ ACRES XT, 5’ ) L/

‘ ~~~~~.~-~_~~

Very little 996 995

.-\

D-13

I

5.

What is the legal ownership stlt~s of this (farm/ranch). Do you (or your family living here) own this (frmn/mnch), do you own m of it, do you rent it. is it &I owned by a business, or what?
Owns all

Asoa

Owns any part Sharecropper Rents Owned hy a business Other (SPECIFY)

(GO TO Q.S.1) (SKIP TO 0.6) (SKIP TO Q.5.5) (SKIP TO 4.17) (GO TO 0.5.4) (GO TO Q.S.5)

01 02 w f W t I& q iy7-7

R OWNS ALL OF FARM/RANCH
5.1. Does the (fanning/ranching) business pay any rent for the use of the propetty’ ? (GOTOQ.S.2) (SKIPTOQ.S.3) _. I &!‘ c

xso’ l 5.2.

Yes.. No ..___.._._......

How much rent do you (or your family living here) collect each month? %‘ I DI II) I I I 9999V

X510

. . . . . . . . . .._...................

x51\

Week . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..~ 2 Month . .._.._..........._..............__..._.. Or* Quarter . . ..___....................._........... LY C Year .._ __.._ .._... __ __ Lx G Other (SPECIFY) u-3 Could you tell me the current value of all the land and buildings were sold today? Do not include any farm animals. implements - that is. what would it bring if it or crops.

5.3.

x513

$I I I,1 I I I.1 I I I
-w . . . . . . . . . .._............._._.
SKIP TO
999wcQL

Q.20

FARM/RANCH
5.4. XSIS

OWNED BY A BUSINESS
any rent for this property? 1 #s

Do you (or your family living here) pay the business Yes No

..__...........

(SKIP TO 0.17) (GOT0Q.S.S) .._.........._..

5.5.

In what month and yea

did you move into this (farm/ranch)?

(SKIP TO Q.68, PAGE D-31)

D-14

R OWNS PART OF FARM/RANCH
6. Does the (fxming/r.anchiny) property? Yes No 6.1. business pay m (or your family living here) ‘ any rent for the use of the

..____...._._

(GOTOQ.6.1) (SKIPTOQ.7)

.____:

____._.... .._...

1 H’ s

How much rent do you (or your family Living here) collect each month?

XSIY

slI I_1 I I I lHwFw+Qw .

9Tm

xslq

.., #t 2 Week Month .._........_..................._........, IK 9 Quarter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..~ s Year . . .._...._......_.._..._..............___. I>r G &e-T Other (SPECIFY)
Do you (or anyone in your family living here) pay any rent for this property? Yes No 7.1. ..__._. .._....___... (GOTOQ.7.1) (SKIPTOQX) . ___...._._._,... .._._ I 7s

7. xszm

How much rent do you (or your family Living here) pay each month’ ?

XSZI

$II,1 I I I
NONE....................................71 K@@+ 999R

x522

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..wr 2 Week Month . . . . . . . . . . . .._..........._____.___....... ti Y Quarter . . . . ., __ t8 g Year __ .._ ___., ._ ._ __. . YI & M-7 Other (SPECIFY) No w-It _ . . _ . . - _ _ I.. -\ I will ask you more about the business operation later. Now I’ like to ask about the pan of the property d that you (and your family living here) personally own. About what percent of the total property is tic! X52

8.

3

'_L;LJE~U OR 1L+LJ_ll-I ~3~73

9.

QUESTION

DELETED.

10. Could you tell me the current value of the entire part of the land and building you own? I mean. what would it bring if it were sold today? Do not include any farm animals. implements or crups. $I # SZL, I.1 I I I,1 I I I

EewTxww

. . . . . . . . . . . . . . . . . . . . . . . . . . . . ..~ SKIP TO 0.20

D-15

MOBILE HOME Il. Now I have some questions about your home. Do you (or your family living hevz) own hoth this mobile home and site or lot. do you own only the mobile home. do you own only the site. do you rent both the
home ‘ site. or what? and XW\ Ownhothhomeandsite _._. Ownonlysite .._...._. (SKIPTOQ.14)
I

Own only home Rentboth _._.,.....__...
Neitherownnorrent

(GOTOQ.ll.1) ,...._.... (SKIP TO Q.12)
(SKIF’ TOQ.13) ,........._..

2
1

4

(SKIPTOQ.1l.S)

.._..__...._

p-7

11.1.

About how much
$I_ II -1-l-l
1

rent do you pay on this home each month?

‘ X(rot

NONE

. . . . . . . . . . . .._....__._.............__._. . . . . . . . . . . . . . .._......._..........

.+kM-1

xl&3

Week........................................... &* Month . . . . . . . . . . . . . . . . . . .._......._............. Orq Quarter . . ..__......__.............._.___...__.__ yS 5 Year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..ur(. Other (SPECIFY) &*I) 11.2. Could you tell me the current value of the site’ 1 mean. about what would it bring if it ? were sold today?
$I I I IJ I I I

XGOL1

11.3. In what month and year did you purchase the site? (INTERVIEWER: IF GIFT/INHERITANCE.ASK WHEN RECEIVED.) cIra~ 1 LF G~~TNHERITANCE 1 __. _.

r=X pur .,@X&bo

l&b5

‘ &&

IyE’ xbob &

11.4. How much did this site cost when you originally acquired it? UI’ JTERVIEWER:IF GIFT/INHERITANCE.ASK VALUE WHEN RECEIVED.)

X6 03

.%_I

I

I.1

I

I

I

SKIP TO Q.22

ch

X604)

in

SKIP TO 0.68, PAGE D-31

R OWNS ONLY MOBILE
12. Ahout

HOME

how much rent do you pay on this site each month?

AGI 2

~l_l,l_l_l_l
NONE ........................................

m..

................................

J&f&-( opyg
..# z

A&l3

Week Month Quarter

67 + .................................................................................. ......................................... 4s

Year

. . . . . . . . . . . . . . . . . . . . . . ..___................

arl#
as-3

Other (SPECIFY)

12.1.

Could

you tell me the current

value of this mobile

home?

I mean. about what would

it

bring if it were sold today?

%bPl
12.2.

$I-__ I

I

II _1_1_1 .

In what month and year did you purchase this mobile home? UNIERVIEWER: IF GIFT/INHERITANCE. ASK WHEN RECEIVED.) CIRCLE 1 IF GIFT/INHERITANCE I . . . . . . . . )t(r 15 Jllru

. . .

.Ar=iC

pu’

12.3.

How much did this mobile IF GIFT/INHERITANCE, I I II I I

home cost when you originally ASK VALUE I WHEN

acquired

it?

(INTERVIEWER: $I ’ ‘ ”

RECEIVED.)

~KiiT~622,PAGED-21

R RENTS MOBILE
13. About

HOME AND SITE

how much rent do you pay on this home and site each montli? $I I,I I I I

NONE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..~-1 ~...............................,.. 4aa

XGZO

Week..........................................~.~ Month . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..____..____.

* e4

Qurter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..~ f Year . . . . . ..__............_....__............._. &w& Other (SPECIFY) 13.1. In what month and year did you move into this mobile home? m-7

$(rZI

l-l_1
MONTH

IL_1
YEAR

)rG22

SKIP TO Q.68, PAGE D-31

R OWNS BOTH MOBILE HOME AND SITE
14. Could you tell me the current value of this home and site? were sold today? I mean. about what would they bring if they

XG23

$I I I I.1 I I I
home purchased separately’ ! Yes

15. Were the site ‘ and mobile

#l&4

No..

. . . . . . . . . . . .._..

(GO TO Q.lS.1) (SKlPTOQ.15.5)

_.,_____,___

I yr

15.1. In what month and year did you purchase this mobik home? UNTERVIEWER: IF GlFr/INHERITANCE, ASK WHEN RECEIVED.) SsPP CIRCLE 1 IF GIFT/INHERITANCE I . . . . . . . . . . . . . . . . . . . .7 X&O

&rwJ

x62 c

‘ $y$&&$

XG2G

15.2. How much did the mobile home cost when you originally acquired it’ ? (INTERVIEWER: IF GIFT/INHERITANCE. ASK VALUE WHEN RECEIVED.)

XG27
15.1.

$I I I Id I I

I

In what month and year did you purchase this site? (INTERVIEWER: IF GIFT/LNHERITANCE. ASK WHEN RECEIVED.) $‘ R CIRCLE 1 IF GIFT/INHERITANCE I . . . . . . . . . . . . . . . . . . ..c

P

uw~

N32

a29

‘ r;;-&I$ ‘ yEk

x (#*

1.5.4. How much did this site cost when you originally acquired it? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.)

X(#31

$I I I ___U_~_~_l
SKIP TO 0.22, PAGE D-31

15.5. In what month and year did you purchase this mobile home and site? (INTERVIEWER: IF GIFUTNHERITANCE. ASK WHEN RECEIVED.) -p CIRCLE 1 IF GIFT/INHERITANCE I .~~.#e

p*rc-haJ k‘ $J‘

XG33

‘ c;jc& IyE? Xb3J
it?

15.6. How much did the mobile home and site cost when you originally acquired (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) SI x(rs SKIP TO 4.22. PAGE D-21 I I
I,1 I I I

OTHER HOUSING

ARRANGEMENTS

16. Now I have scmr questions about your home. Do you (<and your family living here) own this (house ‘ and lot/apanment/f;um/mnch), do you pay rent, do you own it as a pun of a condo. co-op, townhouse association, or what? x 301 Owns OT is buying; land contract Paysrent . . . . . . Condo Co-op Townhouse Association Retirement Lifetime Tenancy Neither owns nor rents (GO TO 4.16.1) (SKIPTOQ.17) __ CCOTOQ.16.1) _. (GO TO 4.16.1) (GO TO Q.16.1). (GO TO Q.16.1) (SKIP TO 4.16.4) 01 02 03 04 OS 06 07

?

x7572

Yes No ....................

....................

(GO TO 4.16.2) .. (SKIP TO 4.16.3)

16.2. How much are your fees’ !

NONE........................................~-

1

DON’ KNOW T ................................. Week Month.. .............................................................................. Quarter ......................................... Year ........................................... Other (SPECIFY) 16.3. INTERVIEWER: OBSERVATION

99998 ... ..W . 840 m-7

2 Y 5

DOES R LIVE IN MULTIPLE YES Na... . ..I.. .

HU STRUCTURE? (SKIPTOQ.18) . .--I ..5 .I

IF ANYONE
“OWNS

~

xw33 lb.05 POYou own 16.5. month did In what and year
SKIPTO

OR IS BUYING”

R’ FAMILY LIVING THERE APPEARS S IN Q.16, FOLLOW SKIPS IN any joart 04
you move mto this home?

TO

If 7134 Il*ocSwhat s

oc ihc

Q.68, PAGE D-3 1

I
R PAYS RENT 17.
rvog How much rem do you pay a month for this (hous~l.lpartment/farm/ranch)? %1_1_1.1_1_1_1 NONE......................................?! m . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ...* Week m

$309

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..fl

2

Month . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . &+2 9 Quaaer .._ . . .._ Cn c Year _.___..._.................___,_....._...... Other (SPECIFY) 17.1. Does that include some or .tiI utilities? W& w-7

X?

10

Yes,xlI Yes,some No

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . __.._
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..R

1 s $

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ...4 or unfurnished:,

17.2. Do you rent it furnished Furnished

_...._

. ..... .

. __ .,

__ _. __

1

Partially furnished Unfurnished 17.3. In what month ‘ and yezz did you move into this (house/aptvtment/ farm/ranch)?

.p 3 t? 5

$712

1-1-I l_l_l
MONTH YEAR SKIP TO Q.68, PAGE

$313
D-31

R LIVES IN MULTIPLE IX. Do

HU STRUCTURE
or just your unit? _........._. (GOTOQ.18.1) (SKIPTOQ.19) _.____.___.. . .

you own the entire building Entirebuilding Just R’ unit s

XV4

I
2

1X.1. How many housing

units are in this building?

1_1,1_1_1_1

UNITS

xq1a5rY.t zb w

(me f”llOwlng questions your about
(home and land/apnrtmenr/propwty)?

.........._._....__._............ 99%+ ryon your unit scpnraidy km *C rut &
home refer to your unit only.) I mean, about what would What is the current

the b~ibhj!
value of thts 1 : yes SC hlo

it bring if it were sold today? HOUSE

(INTERVIEWER: PROPERTY REFERS TO WHATEVER PART R OWNS OF THEIR AND LOT. APARTMENT,BUILDING.FARM OR RANCH.)

XVlb

SI_

I_

II _~_l_~.~_~_l_l .

-

Q-2o

20.

In what month and year did you first purchase any part of this propsy’ ? (INTERVIEWER: IF GIFf/lNHERlTANCE, ASK WHEN RECEIVED.) CIRCLE 1 IF GIFT/INHERITANCE
1 . . . /$=$&

&@

X919

21. How much did it cost when you originally acquired it? (INTERVIEWER: IF GIFT/INHERITANCE. ASK VALUE

WHEN RECEIVED.)

$I IA I I I,1 I I I X317 $7I3b a1.tuk (rr~i&trsicd itt myt vi$1
ILI I I I.1

OC +hc change 2. What are the red estate taxxes per year on this ~%me <and land/ apartment/property)?; I
I I

+h*t
,, &+

you
pour

dfl
c urruI+

bc urc’

l ddrrrrhr

*hc

nest

t

W.

It721

NONE D_ Week . . . . . . . Munth . . . . . . . Quarter . . . . . . Year . . . . . . . . Other (SPECIFY)

._......_.,._...._.,____..._,., . . . . . . . . . . . . . . . . . . . . . . . . . . .._ . . . .., .._.......................___ j#i?q . . . . . . . . . . . . . . . . . . . . . . . . . . . ..~t Mb . . . . . . . . . . . . . . . . . . . ., y[i-9
property)?

832%

23. Is there a mortgage
equity

oi land contract on this (home and land/apartment/ loans or lines of credit.)

(Do not include

home

x72 3

(GO TO Q.24) Yes. land contract (SKIP TO Q.27, COL. A) No . . . . . . . . . . (SKIPTOQ.40.1.PAGED-26)

Yes. moflgage

,_._.....,

1 2 9s

IF R SAYS BOTH MORTGAGE

AND LAND CONTRACT,

FOLLOW

MORTGAGE

SEQUENCE.

24. Is the fust or main mortgage

a federally

guaranteed

mortgage,

such as FHA or VA?

Yes ............ No ........... DON’ KNOW T

(SKIP TO 4.25) .(GOTOQ.24.1) ... (GO TO Q.24.1)

.................... .................... ....................

1 #s 8

24.1.

Does this mortgage carry any type of private mortgage insurance or PMI against default? (IF R ASKS: DO NOT INCLUDE MORTGAGE LIFE INSURANCE.) Yes . . . . . . . . . . . . . . . . .._.................... I No . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..~~ SKIP TO Q.27, COL. A

25. Is it an FHA mortgage.

a VA mortgage,

or is it from some other program?

x72b

FHA VA ........................................... Other (SPECIFY) see ncg+

..........................................
<krr+

01 02 fin-7

26. Why did you choose this type of loan? &cc

VuJtt

s)Ice+

-+hs

21.25

X726 or is it from some other program Is it an FHA mortgaye, a VA mortgage. Federal Housing Administration (FHAI 1 Veteran's Administration (VA1 2 3 Federal land bank Federal National Mortgage Association ("Fannie Mae") 4 Federal Home Loan Mortgage Corp. ("Freddie Mac") 5 State housing programs 10 11 First-time buyer program, n.e.c. 12 Other Federal loan program --> -7 7 Other --> .D 8 Don't Know --> .N 9 NA
t

X727

2’

Why did you

choose

this

type

of loan?

x4r
Tt

Cl-edit Terms/Cost Of Loan Interest rate -- low (er) / reasonable/best available rates 01 Finance charges low ier) or none (other than interest or NA if 04 includes interest.) 05 Amount of the down payment Size of (monthly) payments; payment amount; longer contracts 06 -- more time to pay off loan Easier to get credit ~- require less information/collateral; 09 less stringent rules for giving credit; get credit approval faster; no red tape "affordable terms" Credit terms/arrangements -- NA what: 25 Give the best (a better) deal -- NA how 26 Other credit terms or cost of loan 29 83 30 Recommended 90 Assumed or assumable; seller-financed 31 80 32 NO Choice, NEC --> .D 33 No Reason 81 34 Used before, always use 7 97

COLUMN A 1ST MORTGAGE OR LAND CONTRAcr 33. Will the regu1.u payme”~ repay the loan completely, or will there he a halirnce payable. or “balloon” payment, when the loan is due’ ? What will tht balance due or halloon payment he’ ? What is the typical payment and how often is it made’ ? Repay completely (SKIP TO Q.34.2) Balloon (GO TO Q.33.1) X811

COLUMN

B

COLUMN

c

2ND MORTGAGE OR LAND CONTRACT Repay completely . (SKIP TO 4.34.2) Balloon (GO TO 0.33.1) x911

HOME EQUITY

LOAN

1

1

Repay complexly (SKIP TO Q.34.2) Balloon (GO TO 0.33.1) X/01\

I

2

2

2

33.1.

Sl_l,1 7eo I I I SKIP TO Q.34.2 on,ahU, behl ,iuI t?sql ! 2 $I_,%$_L_l_l_l I3
NONE _. _. PhtNTj Y.t&#Ufl 4 44946

sl_uv~

t

I

I

I b&cl

$I_11s___.___ ‘ f/p!,? ,S~~&j&/l;~

I

I

SKIPgQ&q x913

3.

$I I
NONE NO TYPICAL

IA I
PMNTSwz

I
.<\.\sleene

I
WV6

%I013 $I_1- I.I_l_l_l
NONE _.

~J.AMM
PMNT.W2 JIG996

NO TYPICAL WNT KNOW

NO TYPICAL

99998 . .t.,@ .3. lY8 .!/.A& ST@ _) w

IIONTKNOW %sId Week Bi-Weekly Month Quarter Year.............II.AIc Other (SPECIFY)

99998 .3#f .3.Uf .q.46 S?#f ‘ 76

DONTKNOW

.

.

99998 .? pI 3 In: y &!i S I#

x S/J Week Bi-Weekly Month ... Quarter . YeaI.............(r.&r Other (SPECIFY) 34.1. When do you expect this loan to be repaid? V

NO Week . B&Weekly Month __, Quarter Yeaf............IrH5’ Other (SPECIFY) _?eb

14

I

X9/S I I
YEAR

I(qrs
I I l_~_I_~_~ YEAR s .__.. SKIP TO 4.3.5 499yDw I

X/OK
I I I YEAR I

. . . . -39Vf? SKIP TO 4.35

.._., SKIP TO 0.35

999+7

34.2.

Are you paying off this loan ahead of schedule. behind schedule, or are the pFlylIll5”ts about on schedule’ ?

On schedule Ahead of schedule Behind schedule..

I 2 3

On schedule Ahead of schedule Behind schedule.

I 2 3

On schedule

.

1 2 3

Ahead of schedule Behind schedule.

X7s1J

%7S70

x3sltq

35.

What is the current annual rate of interest being ch<uged on the loan?

NEXT PAGE, 4.36, COL. A

NEXT PAGE, 0.36. COL. B

NEXT PAGE, 0.36. COL. c

.+w

P-23

I
COLUMN A COLUMN B COLUMN HOME EQUITY c LOAN 1ST MORTGAGE OR LAND CONTRACT Pleae look at the Institutions Card. Is the loan with any of the institutions on tbe Institutions Card. or from someplace else? (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT.) x INST. #l INST.#Z INST. #3 INST. #4 INST. #5 INST. #6 COMM.BANK S&L/SVNGS FlNJLOANCO. INSURANCE MORTGAGE CONTRACTOR/ DEVELOPER PRIOR OWNER OTHER (SPECIFY): X8 36.1. Is this the s.ame institution ~5 the “nt! from which you originally took out this loan? Yes No ... . 1-l .......... 1 .$ 2 CO. CO. . . BNK . . . . . .._..... t.. 01 02 03 W 05 06 11 12 14 17 18 2ND MORTGAGE OR LAND CONTRACT INST. #l INST.#2 INST. #3 INST. #4 INST. #5 INST. #6 COMM.BANK S&L/SVNGS FIN/LOAN INSURANCE MORTGAGE CONTRACTOR/ DEVELOPER PRIOR OWNER OTHER (SPECIFY): ~07 BNK CO. CO. CO. .: .._.. 01 02 03 04 OS 06 11 12 14 17 IX

INST. #l INST.#2 INST. #3 INST. #4 INST. #5 INST. #6 COMM.BANK S&L/SVNGS FIN/LOAN INSURANCE MORTGAGE CONTRACTOR/ DEVELOPER PRIOR OWNER OTHER (SPECIFY): (SKIP TO 4.37) 2 BNK CO. CO. CO. _. ..,._.,..,

0 0: 0: I)/ Of IK 11 I: 14 1; It

9083, x WL

x96 a#

19 20 07

19 20

15 2(~ 07

Dc)umi\W~ iyp i&-i~ticlr\

xclr3 (SKIP TO 4.37)

.??%?!. (SKIP TO Q.38) I I i

31.

Was the money from this loan used for the purchase of this home OI for some other purpose? (What other Purpose?) (SHOW CARD 3) What is the most important reason you chose this lender? (WB it because they were
recommended to you. because they had low

Purchase .h?!%. Zmpfwcmc~ Other (SPECIFY): 27

03

01

smpfomnulh

Purchase)!!??

‘ !.

Other (SPECIFY): ___507

03

01

W#a.&.
(SKIP TO Q.39) 01 02 . . . . 03 04 05 I I I I
I

5cc#kem Ii,!(SKIP TO Q.39) I I I I I I I
I I L

38.

Recommended Low interzst Location $.8/!?.

Other business Easy to qualify

I
I

interest rates. bxause of the Ixation of their offices. because you had done other business with them. because it was easier to qualify for the loan. or for some other wlson?) 3’ ). Is this an adjustable rate (mortgage/loan); that is, does it have NI interest rate that cnn rise or fall from time to time’ !

Other (SPECIFY): ___r_o7
see

I
L

ncY)

Yes

. (GO TO 4.39.1,

1 COL. A)

Yes (SKIP TO 4.40.1) No .???.?. (SKIP TO 0.40. I ) $

1

Yes

. (SKIP TO Q.41) ?.!?.??, (SKIP TO 4.41’ )’ 2

1

No .%?. . . 5 (SKIP TO Q.40, COL. A)

No

COLUMN

A

COLUMN

B

IST MORTGAGE OR LAND CONTRACT 39.1. Does the change in your interest rate depend on some other interest rate?

2ND MORTGAGE OR LANDCONTRACT

Yes. No.

XSZl ..(&TO 0.39.2) (SKIP TO Q.39.3)

. .

I A?

39.2. On what other rate does it depend?

39.3. How often can your interest rate change in a given year?

(9

23

/_I_1

# Times y!
./(H

llonth xsz4 zhmter

......................

..................... Year.. ...................... Ither (SPECIFY) wrr!wcw

84 . : I . .

39.4. When the interest rate on your
mortgage changes. does the size of your monthly payments also

fes .........................
vo.. ........................ ................. 3eN%uaw

change,! 39.5. What is the most the rate can rise at any one time:’ (POINTS = PERCENTAGE POINTS) 39.6. What was the interest rate on this mortgage when you fust got it?

I (OLIMlT

I

I.1 x&&

I

IwdPOlNTS
I

. . . . . . . . .

!J%

-2

I
I I

I
w=erRnT

I

I.1 ..IMzg

I

I%/FQNrS . . . . . . .._ 9% ir 1

39.7. What is the highest the rate can go over the life of the loan?
X3N’ T

I

I
KNOW

I.1

I

I%7/POrNTS

.d82?.

9998

39.X. Is this a convertible mortgage; that is do you have NI option to convert it to a mortgage with a timed interest rate?

(es .._ . . . . . . . . . . . . . . . . . . . . . 1 4” . . . . . . . . . . . . . . . . . . . . . . . . ..~ . . . . . . . . . . . . . . . . .x x

x79
I 2 GO BACK + TO Q.27, COL. B ,# ,

40. Do you have a second mortgage
or a land contmct on this property? (Please do a include any home equity lines of credit.)

(es, 2nd

mtg

ies, Ind con 40

.(GO TO Q.40.l)

830
INTERVIEWER: A HOME EQUITY m OF CREDIT IS AN AGREEMENT WHERE THE R CAN BORROW AT ANY TIME USING THE HOUSE AS COLLATERAL. UP TO SOME LIMIT. IS A FIXED LENGTH. FIXED MONTHLY

A HOME EQUITY w PAYMENT LOAN.

Reason for choosing 01 02 03 04 08 09 10 II 21 22 23 24 25 26 27 97 98 99

lender

Location of offices --> 3 Interest rates Many services in one place --> 6 Recommended --i 1 Other business done here --> 4 Easy to qualify (for credit); only place that would give us a loan --a 5 Low fees/service charges Personal relationship; they know me; know/like them; R/Spouse works there No choice -- assumed existing debt and lender from previous owner No choice -- financed through contractor/developer/ prev. owner/builder and this was their financial institution/land contract No choice in.e.c.i Flexible loan terms; choice of loan terms Handled VA loans Participated in first time buyer program Government-sponsored program n.e.c. Other --> -7 Don't know --> .D NA

40.1

Do you have any other loans that use this property as collateral?

(Please do not include COL. C) .... ..fl 1 c

any home equity lines of credit.)

$431

Yes (GO BACK TO 0.27, ............... No .........................................

41. Do YOU(and your family living here) owe money on any (other) loans used for the purchase from relatives or the seller? (Please do not include any home equity lines of credit.)

of this property,

such :LSloans

yro3t

Yes ............................................ No ................ (SKIP TO 0.52)

...............

1 z’ 5

42. In what mvntb and year was this loan taken out?

I%w4vmm
43. How much was borrowed. not including IA I I I.1 finance charges? I
I I

TAT%

)(lb%

$I

.._....,..............._..._.,

44. Is this a regular installment

loan where you pay a fxed dollar amount each month for a fLaed number of months until the loan

is repaid, or some other kind?

Regular installment ..... Other kind ........... .......

(GO TO QdS) ................. (SKIP TO Q.47) ............... ............... (SKIPTOQ.47)

1 2 -+

4s. How many monthly payments or years were agreed upon when the loan was received?

)r/o37

;+J~;6;

PAYMENTS

OR

l-l-1 # YEARS (GO TO Q.46) -1

Xl0

=

NOSET#

..,........

(SKIPTOQ.47) (SKIP TO Q.47)

DON’ KNOW T l,h&lr +A 4x4\&

. *

. . * . *

-7

X9047

rem

ef

Ioau
payments?

in

md-hs

46. How much are the monthly

fi/o39

~l_~~_~.~_~_l_l
NONE .__.....____.. eewpiapanr NO REGULAR PYMTS Week Month Quarter Year . . . .._... Other (SPECIFY) (GOTOQ.47) (GO TO 4.47) (GO TO 4.47) .__....__._.. OHcmo-’ %%I& 99W -1 JM j&? fl @4 m-7 (wP To 0.4% +%+I 1) P-tee z q 5 f#

mm7

(SKIP TO Q.49.1) (SKIP TO Q.4Y.l) (SKIP TO 4.49.1) (SKIPTOQ.49.1)

.._.....

47. What is the typical payment

and how often is it made?

XI&”

$~_l_l_l.1_1_1_1 None No typical payments

.+-!mm--I
............ ............ ............ ............ ............ ............ .9999Y64 .+a% . . ..# 2 WJ MSbK(r _&e-7

m Week Month Quarter Year Other (SPECIFY)

_

4X. In what month and year do you expect this loan to be repaidr

49. How much is still owed on this loan?

(SKIP TO Q.50) 49.1. Are you paying off this loan ahead of schedule. On schedule Ahead of schedule Behind schedule behind schedule. ......... ......... ......... or are the payments
I

about on schedule?

2 3

50. What is the current annual rate of interest being charged on this loan? x@fs 1_1_l~_l_l% N&y=-\

51. Please look at the Institutions Card. Is the loan with any of the institutions on the lostitutions Card, or from somepkw else’ ! (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT.) 01 INST.#l ....................................... 02 INST.#Z ....................................... 03 INST.++3 ....................................... 04 INST.#4 ....................................... OS INST.#5 ....................................... 06 INST.#6 ....................................... 11 COMM’ LBANK ................................. 12 S&L/SVGS BANK ................................ 13 CREDIT UNION ................................. 14 FIN/LOAN CO ................................... OTHER (SPECIFY) 1i4f 07

VW0 aI we arc idxstrd
them.

In your Ur;cWcA +hc chance -ha+ VOW to;ll be J*yi 52. Do you (or anyone in your family living here) have a home equity line of crcdit or any other lines of credn.

atJour 7,ot counting

(r*rruo
~~~
.)+

credit cards or business lines of credit? Please include such lines of credit even if you are not currently drawing againstfOr (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&l CREDIT IS A LINE OF CREDIT SECURED BY THE EQUITY IN R’ HOME.) S 4) fwm e-i00 $1101 Yes No

tyfi

.

....
(SKIP TO Q.54)
living

. ..

I X5

Iwr *tL\y arc m +A&

+,&

ya

How many lines of credit do you (and your family
l-l-1 # LINES OF CREDIT

here) have?

LINE OF CREDIT 53.1. Is (this/the largest/the next) line of credit secured by the equity in your home?
What is the maximum am”“nt you could borrow on this line of crtxiit?

#I Yes No

LINE OF CREDIT

#2 I 2

Yes ............... 1
No.. .............. ,d

53 9

L 533. sl,

Are you currently borrowing any money 3 a&ns~ts~li~igf ;r$t’ !

Yes No

1 (GO TO 4.53.4) Z

fSKIP

Yes No XJI /h

1 (GO TO 453.4) f ?- SKIP TO Q.53.8, LOC#2) 17

Yes No )(/I 1 7

I (GO TO 0.53.4) 2+ 5 KIP TO 0.53.X. LOC#3)

TO 0.53.X.

53.4. ba%?% emb+ ruen ( InoneSycu used for? (What was its), major use’ ?) 53.5. How much is currently owed? What is the typical payment and how often is it made?

JJt Ifs f

%?I43

A4lll4uu.l

xr,oQ
$I_l,il_l_l,l
I I I 51-l

, r”I4
,_~_l_l,l_l_l_l
.-. .I. PAM”!@ 4&$& &%V 99998

$I_I,1_I_I_I.I_i_l_l

%I/_

53.6.

sl_lmo4
NONE DONTKNOW .T 1. ..____ NO TYPLCAL PAYnQtrs

I

I
iHMl 99996

SI_~J!a.Ltcrl_l
NONE NO TYPlCAL DONTKNOW

NONE
NO TYPICAL DON-T KNOW PAY-

.v ,I.

&@&&I
&#I+

99998 .t,@‘ T ti .@? x ers .c CPI

9999X
AH’ CJi? Lx

Week .‘ .!.!?. I Month . . Quarter . . . Yeas.. Other (SPECIFY) 53.7. What is the current annual rate of interest being charged on this
lOtUG

a@5 I I c -1 01 I%

Week ! .‘ !z:! .z yl Month _. _. .?/. (n Qwter...........~& Year . . . . . Ir. @l Other (SPECIFY) _?as %112Z I I.1

Week ..X.“3.?...? Month _. oumr

.!f. s

vear
xd

.G &#

Other (SPECIFY)

I

I

x111 1.1

Ml33
I = -I I% I ‘ I I.1 I 1%

I

No+hit\s INST. #I INST.#2 INST. #3 INST. #4 INST. #5 INST.+% COMM.

No+hing INST.#l INST. #2 INST.#3 INST. #4 INST. #S INST. #6 COMM. S&L/SAV CREDIT FIN/LOAN _.

53.x.

(Please look at the Institutions Card.) Is this line of credit with any of the institutions on the Institutions Card, or from
someplace else? (IF

_.

01 02 03 04

INST.#I INST. #2 INST. #3 INST. #4 INST. #5 .)!

_.

.

01 02 03

.%.I!Iz..

02 03 04

.% d.l.t.3 _.

1!.3:1!

. x9.4 89

04 115

INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that? (INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT.) INTERVIEWER: IS THERE ANOTHER LINE OF CREDIT!

&$.?
&+Jm;@Z! . . .ms+. BANK ?+.

OS 06 11 12 13 14 16

x .%88.. ??+$clrdO6 BANK +v,& BANK UNION CO

OS

11 12 13 14 16 S&L/SAV BANK 12 13 14 , 16

S&L/SAVBANK CREDIT FIN/LOAN UNION CO

CREDITUNION...... FIN/LOAN CO

BROKERAGE OTHER (SPECIFY):‘ 07 \&-ei453.1-53.9)

BROKERAGE.. OTHER (SPECIFY):-07 i(yt. 053.1-53.9)

BROKERAGE OTHER (SPECIFY): -07

SC& I&. YES.(REASK NO.

Se* 1 $,Z YES.(REASK NO.

I s/d

-

(GO TO Q.54)

(GO TO 0.54)

s3.10.

What is the total amount that you (and your family

living

here) currently

owe on all other remaining

lines of credit?

>IJ3b
54.
KIZO\

$I I_) I I I,1 I I I
living

Fo-+hing=-1
.,

XF#OI -w
remodeling to this property? _. ,_.. I 25

Have you (and your family Yes No

here) ever made ‘ any major additions . . . . . .., ..(SKIPTOQ,66,PAGED-31)

or done extensive

. . . . . . ___. .,

54.1. Roughly

what was the total cost of all such major additions $I I.1 I I . recorded, III I I I . . .

or remodeling’ ?

$1202

Beewwav

. living

9wx98-

54.2. Other than what I have already these projecs:’

do you (or your family

here) owe any money on loans taken out fol

fir203

Yes
No (SKIP TO Q.66, PAGE D-31) taken out?

1 .3<

55. In what month and year was the most recent such bn g/z04 l_I_I

MONTH

I $$

X1-s

56. How much was borrowed. $1 xizob w IJ

not including I I I.1

finance charges’ ! I I I 4FF?v?r number of months until the loan

. . . . . . . . . . . . . . . . . . . . . . . . . . .._.

57. Is this a qular installment kxan where you pay a fixed dollar is repaid, OT some other kind? Regular xw3 Otherkind m payments installment . . . . . . .._. (GO TO 4.58)

‘ amount each month for R fued

1
.._.. .._,. .._,, 2

(SKIF’ TOQ.60) (SKIP TO Q.60)

.A-

5X. How many monthly

or years were agreed upon when the loan was received?

‘ xtzo%

1 I
NOSET# DON’ T

I

I # PAYMENTS
. . .

OR

l-l_

I#YEARS

p2oQ
YM YY8 _(

(GO TO Q.59) (SKIPTOQ.60) .,.__,._..___

59. How much are the monthly J j zj 0

hb\e toca\Lul& . . .
payments’ !

KNOW

.

(SKIP TO Q.60)

. . . r , ,, . .-"I

Xql(rf

RfM
in

&ban
rn&l-MlS

$ l_l,l_l_l_l
NONE NO REGULAR PAYMENTS BBiQT-RmTtv Week Month Quarter Year Other (SPECIFY) _. (GO TO 4.60) (GO TO Q.60) (SKIP TO 0.62.1) (SKIF’ TOQ.62.1) (SKIP TO Q.62.1) (SKIP TO 4.62.1) (SKIP TO 0.62.1) . . . oowlr, -2 9~99%. .p ‘ L yS 9 #!T c yV + ~&(I~.. fl0 njU\6( . f (GO TO Q.60) . . . YMvm -1

-\ &. . . -2

H-7

60. What is the typical

payment $I

and how often is it made?

I

II

I.1

I

I

I

$12l\

--None...................................,...~-1 No Typical Payments

Week Month Quaner

.___...._._._...._.__.._.__,,._

.SiJW96 w
w yS m l!w

-2

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..___...._ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .._...... .._ _........

2 y C Ir pf&ting No rrgu\ar .. a-\ pm+. .. _t

)rl2lZ

Yenr . . . . . . . Other (SPECIFY)

($5-7

61. In what month ‘ and year do you expect this hxan to he repaid? x1215 l-l-l MONTH

’ YE:

XI

WI

62. How much is still owed on this loan? 8, *

,r

“ J_;r;!;~6i’ -’ l_‘ _‘

62.1. Are you paying off this loan ahead of schedule, On schedule Ahead of schedule Behind schedule

behind schedule. 01 are the payments

about on schedule?

x

7SGrl

1
2 3

63 What is the current annual rate of interest being charged on this loan? firzt~ 64 IIl.lII% -_ -_

No-thing:-I
on the Institutions Card. or from someplace else’ !

(Please look at the Institutions Card.) Is the loan with any of the institutions (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE (INTERVIEWER: POINT.) ELSE: CHECK INST. #I INST.#2 INST.#4 What type of institution INSTITUTIONS CARD is that?) AND UPDATE

IF A NEW INSTITUTION 01 02 03 04 05 06 II I2 13 14

IS MENTIONED

AT THIS

.......................................
.......................................

x/211

INST. #3 ....................................... .......................................

)w?o
*+& i(t5f. flc +Yp

d

INST. #5 ....................................... INST.#6 ....................................... COMMZBANK ................................. S&LlSVGS CREDIT OTHER BANK UNION ................................

.................................

FINJLOANCO

................................... (SPECIFY)

65. Do you owe money on more than one loan for home additions $12 Ia Yes No 6S.l.
I(,

or improvements

to this property? 1 a’ c to this property?

.. .. .. . .. ... .. .. ... .
. . . . . (SKIPTOQ.66)

__
._......_......

_.._

Altogether.

how much is still owed on ;111 Sl_~.1_l_l_l.l_l_l_l

loans for additions

or improvements

2

,,

65.2. Altogether,

how much are the monthly

payments’ !

!i3ecm5w

...............................

.

Week ......................................... Month ......................................... Quarter ........................................ Yeal .......................................... Other (SPECIFY)

.

2 Uz‘ f j&3 r #r& M-9

66.

INTERVIEWER:

DOES R LIVE ON RANCH YES _....._ NO

OR FARM? .._.._.. I 2

(SKIPTOSECTIONE) (GO TO 4.67)

67. Do you (or anyone in your f‘ amily here) rent out any portion of this (house or lot/apartment/mobile

home/building)

to others?

11223

Yes _., No

__ __

__ _.........__ _., (SKIP TO SECTION

E)

I .pS

67.1. How much rent do you collect each month?
$I f 1223

I

IJ

l-l-1 . . . . . . .__.,,....,,___........._.,,._. . . __ . . . &I44?80 -I

NONE __ _........

Xl225 .-

Week ......................................... Month.. ........................................ Quarter ..,................,.............,.,....~ Other (SPECIFY) (SKIP TO SECTION E)

W

;L Y

r

Year ....__..............__.............___..._ (I c14
w5’ 7

68.1. How many lines of credit do you (and your family living here) have’ ! l-l-1 # LlNES OF CREDIT (LOC).

SECTION E: OTHER PROPERTIES, LAND CONTRACTS
1.

in Haveyou (oranyone your family living here) ever sold any real estate for which you loaned money to the buyer? Please include accepting a note, land contract or mortgage from the buyer. (IF YES, SAY: We do m want to include any property owned by a business which you own or have an interest in.)

$lo’
2.

Yes

..__..................._ __ _.......__., ., 1 __
(SKIP TO 4.14)
&’ r

No

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

............................................ 1
(XIPTOQ.14) . . . . . ..__...... 2$

No _...............

2.1.

Altogether, on how many such loans (are you/is your family) owed money? fiiM) &I_1 # NOTES/LAND CONTRACTS/MORTGAGES

‘ ,,, o3 E

LOAN/LAND CONTRACT #1 3. Wout the Largest/ next] loan .) Is it a land contract, a mortgage, or something else? Land #bL\ coatract. .(SKIp TO Q.5) LloJc. pUCkUC Mmgage. (SKIP TO Q.5) Something else. (GO TO 4.4) 4. How much are you (and 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 borrower? x 1405 sl_~,t_l_~_Ll

LOAN/LAND CONTRACT #2 X/SOL) Land contract. .(SKlF’TO 4.5) L-u - pu&au. Mortgage. (SKIP TO Q.5) Something else . (GOTOQ.4) 1 2

I-w.wLAND CONTRACT #3 J.and k&Orl contract. .(SKIP TO Q.5) _ 1 ~carc-pa&%5c hkxtgage. (SKIP TO 4.5) Something else . . (GOTOQ.4)

.

1 2

I

.

3

__. 3

. . . .I

I I I

(SKIP TO Q.11)

$l_l,

)frseJ I I I.1 I I I
(SKIP TO Q.11)

$L_l.I__LI_I.I_I_I_I

XI&or

(SKIP TO Q.11)

5

/u~“~
MONTH

--

,

yJp9 __
YEAR

xI5ob I I
MONTH

II

Z/so?
I YEAR I

1(yy

-_ MONTH Xl008

I Alp?
-_ YEAR

6

x PI@9 %l_l_il .-__*___ II I I

rrlrog I I I $I__.___.___ I I II I II I I I

$I_1 _.___~___ I II I

II

I

I

I

7, How much is still owed on this (mortgage/land contract)?

xiqoq %I_1_.__-......-_ II I I

II

I

I

I

$I

I

IL1509 I.1 I I

I.1 I

I

I

XIGtA $I__1_~_-...._~-_- II II I I

I

I

I

GO TO Q.8. COL. 1

GO TO 4.8, COL. 2

GO TO Q.8, COL. 3

E-33

I
LoANL4ND
CONTRACT #l LOAN/LAND CONTRACT #2
$l_l.l_l_l /.I I I I

LOAN/LAND CONTRACT #3

^

How much are the (mortgage/land
contract) payments

SI__l ._~_LI*LLLI I NONE .!!!!?... DQwwwew .I.. (co To Q.9) NO REG PAY. (SKIP TO Q.11) G&Xi& 9999995 -2 94949%

and how often ase they due?

NONE Demaaw

4X&&8 . ...-9999388 (GO TO Q.9)

x1510

NO REG -t PAY. (SKIP TO Q.11) 9449996 Week ! !!.‘ !. Month Quarter Year.................84 Other (SPECIFY) .fl @?

_. . . .&i3@38 Dm.....9999998 (GO TO Q.9) NO REG PAY. (SKIP TO Q.ll) &Xt!@!X

-2

. . . _ .JX Week Month . . . . . . . . . . . . . ..@Z Quarter . . . . . . . . . 83 Year.................@4 Other (SPECIFY) w 9. How many years or payments were agreed upon when the (mortgage/land contract) was taken outw fib 44 poymurh? yr!J * e@Will the regular payments pay off the (mortgage/land contract) completely or will there be a balance payable or “balloon” when the (mortgage/ land contract) is due? w/r2 1-l-i # YRS OR XlL( 13 l_l_f_l # PYMTS U&c so ca\&&. + . * -_? NOSETNUMBER . . . ...-96

.v!!

03
03

.. . Bl . . . . . . . . . . . . . . . $I?? Quarter . . , . 85 Year................. w Other (SPECIFY) as Week Month &I&a

x/G/l .

XKi2
l_l_l x
# YRS OR

ISI

l_l_I

# YRS OR

x/tr3
I___l_l # PYhITs cl&a& so &I&,~:: NOSETNUMBER . . . ...%

10.

Repay Completely. Balloao. . wf

. (GO TO Q.11) (GO ‘ Q.lO.1) IO 14

1 d

Repay Completely. Balloon. X6/r/

(GO TO Q.11) (GO TO Q.lO.1)

1 3

RWY Completely. BaBoon. . x/(rjq

. (GO TO Q.ll) (GO TO Q.lO.1)

1 3

10.1. What will the balance payable or balloon payment be?

XlSlS $I
I.1 I I I.1 I I I

Y rGtS
$1 Id
I I
I.Ll_I_I

11.

Doy0u(ory0ur
family living here) still owe any money on loans for this property? Yes.. No. (GO TO Q.ll.1) .(SKIP TO Q.12) . . .5 1 Yes...(GOTOQ.ll.l) No. .(SKIF’ TO Q.12) .%i 1 Yes. No.

.

xrt lb
(GO TO Q.ll.1) _. 1 .$i

. .(SKIP TO Q.12)

11.1. How much do you still owe? 12. INTERVIEWER: IS THERE ANOTHER LOAN/LAND CONTRACT? YES _ _ (REASK 4.3-12 COL. #2) NO..(SKIPTOQ.14) _ ! 1

xrsr3
$l_l_l.l_l I I.1 I I I

Xlb17
Sl__l_il ~___I___ II I I
I I I

YES NO

(REASK (Sg:

Q.3.12 $4)

1 5 2

YES..

(GOM

Q.13)

.. 1 ..sZ

..52

NO..(SKIPTOQ.14)

13.

About how much in total is owed to (you/your

family) on the remaining
xsc\

notes, land contracts
oz - mcpuf

or mortgages?

x /& I9
3.1. Do a

$I__l_lL_LLU_l_l_l I

(or your family here) still owe any money on loans for these other properties? Yes No ................

xtLPz*

................

(GO TO Q.13.2) (SKIP TO Q.14)

............... ..............

1 ,,2’ <

E-34

13.2. Altogether

how much (do you/does $I_ I_ I_

your family) still owe? XSYO4

)wJz 1
14.
building,

II _l_~_lL__l_l .

- --r-P

Do YOU(or ‘ anyone in your family living here) own any (other) real estate such ‘ a lot, vacation home, timeshwe, aparunent as CommerciaJ property, or other investment property, including properties owned in partnership with other pwple’ ? Yes.. .............. No ................ (GOTOQ.14.1) ............... (SKIPTOSECTIONF,PAGEF‘ -41) owned by a business’ ? I .Xc Inter)

X 1300

14.1. Are any of these properties )r 7!xr

(IF YES SAY: 1’ ask about those properties 11

Yes . . . .._ .._ _.._ 1 No . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..X~

IS.

How many properties that we not owned by a business do you (and your family living here) own or have an interest m’ ! Qr &licr vsu ia n?c your own your hame kpantk\~ Cram +& O&W u&b ya I #PROPERTIES M.Ufi #n +he pr~@.y. Pb ‘ r-tie +hc rc$) & *)IC hem. (SKIP TO SECTION F. PAGE F-41++&)/ cf0 prriy

PROPERTY 16.
property.)

#2

PROPERTY

#3

prqwty

What type of is this?

17.

Is this property owned by you (and your family living here), is it owned jointly with others, owned by a partnership, or what?

Owned byR . . , _. (SKIP TO Q.18) Owned jointly Partnership .

01

Owned by R _. (SKIP TO 0.18) Owned jointly Partnership

01

OwnedbyR t........ (SKIP TO 4.18) Owned jointly Patnnrrship r

01

02 03

02 03

. 02 0.

x 13oq 17.1. What . “ercentage of _ the propaty do you (and your family living here) own’ ? IX. How much in total is this property worth: I mean what would it bring if it were sold today? (EXCEm FOR TIME SHARE, WE WANT THE TOTAL VALUE NOT JUST R’ SHARE. S FOR 0.18-33, NOTE IF R ONLY KNOWS HIS/HER SHARE.) All................ 100

%/loq All........ , I ~, tor.. I.1 I PERCENT
1%

xlabq 100 I
I Id I PERCENT

I%

PERCENT

gl701, $I---.___.___ I I II
I I II I

I( ~#Ocr
I
I $l_l_l_l.l

x19069
I IJ I I 1 $I ___.___/__- I I I Ii I II

I

I

I

I

tiu

^^

-_

IV

V.lY,

^ .,. --.

cut,.

1

ti0

TO Q.lY. COL. 2

GO TO 0.19,

CoL.

3

PROPERTY 19 #1 PROPERTY #2 PROPERTY #3

I
x1708 ~_I_-1 I-1-.-~
%l?O~ MONTH YEAR lr7le GIFTANHERITANCE l......d5

In what month and year did you first purchase any part of this property’ : (INTERVIEWER: IF GIFT/ INHERITANCE. ASK
WHEN THE PROPERT?’ WAS RECEIVED AND CIRCLE 1.)

XIV? I I
MONTH

I

l” ly98 YEAR

qy MONTH

/X

_I_1 YEAR

lsb8

X1810 GIFT/INHERITANCE 1......r5

.,2i::‘ ,“,,, I......ZS

20

7 purchase price!

What W&E total the

(IF GIFT/ INHERITANCE, VALUE WHEN RECEIVED.) 21

SI I
ASK:

Xl74
I IJ I I 1,1_1_1_1 $I I I

x rgoq
I.1 I

m9aq
I
I $I

I

I.1 I

I

I

IJ

I

I

II/

I

I

I

Are there any “utalndi”g loans or mongages on this propeny? In what month nnd year did you obtain or kut refinance the loan? How much was borrowed or refwanced:

Yes

(GO TO 4.22) (SK&O Q.34) .z

1

Yes

(GO TO Q.22)

1 r _.__ 2

Yes

(GO TO 4.22) ._.. j

%

No..(SKIPTOQ.34) Ir IPII

No..(SKIPTOQ.34) XIQJ!

22

Xl’ )/2 I I II MONTH

x1q,r3
I

y/z,
MONTH

Ixw 3
_I_1

X19i2
1-l-l

Ml3
IL-1

I

YEAR

YEAR

MONTH

YEAR

23

r17r4 E-1 IJ I I I.1 I
%I715
EI_I_I,I u!&# I I

XIV ,J
I

BIr)lY
$I

I

I

$I

I

I.1 I

I

l,l_l_l_l

I

I.1 I

I

IJ

I

I-1

How much is still owed? 2s How many years “I what number of payments were agreed upon when the loan WI k&n out‘ ! w9r 56,

fiN,s
I
I $l_l_l,l_l_l_l,l_l_l_I $l_l_l

A H/C
I I I ,___.___

I.1 I

II

I

I

I

YEARS.

OR

I%%!&
lNaEl#

YEARS, OR PAYMENTS &; PAGE, 0.29, COL. 2) ,, 96

la@.&? I Xj98’ Il#

YEARS, OR PAYMENTS

XjqIq

I# PAYMENTS

&&@&$&&’ PAGE, Q.29, COL.1) . . . ..sl

@ggq&$$

ggg~$K~$&& PAGE, Q.29, COL. 3)
v,l-l~MJ!Ll NONE _. NO REG PYMTS

x%n,

7&~ 26. How

much are the

/oar; ;n /wJf

x9K9

5

;1

payments and how often are they due’ !

$l_I,I_&l9lJ~I_I_I VONE ..__....

+).+lWkX%lO

VO REG PYMTS ?2,99999!36 3ewwwew +?w99r F NONE OR NO REC PYMrS,
@‘ TO Q.29) )( J 7 j 9 KU’

Sl_I.Ixlgl,Ll_l NONE _...._. _I.kHHFHA NO REG PYMTS ?t 9W9996 IF NONEOR NO IW; PYMTs.

lxwweew

sls999x

BbmrttwBw

.?t oenn(nw f 2 vp4r)qLt ..,. +9%%%

Week . 3i-weekly Month . ?uarter .._......... Ycar...............G.~ 3ther (SPECIFY) 27. Do the payments
mclude property taxes or insumnce? raxesonly $./!?~~

.

x J&f 3 &? ,437 5 .H -‘ I
.._.

06 1 2 3 .4 8

waPTOU.29) Week Bi-weekly Month Quarter Yex..............G.HJ Other (SPECIFY)

x(1119
.%H 3 Hz W 5 c# _? Ocr I 2 3 4 8

IF NON!?OK NO KE(; PYMTS. (SKI,

ze:19,“‘l. Bi-weekly Month Quarter Year............../! Other (SPECIFY)

xr9r9

.? M ,3 Y: q. 8! ..c v tf - 7 w1

(Which’ !)

insurance only Both . V&her DONT KNOW
GO

Taxesonly .K:!?.zc!... Insurance only Both Neither DON’ KNOW T GO TO 0.2% COL. 2

Taxesonly .xfft&.. Insurance only Both Neither DONT KNOW GO TO 0.2X. COL. 3

: : 1 !

TO Q.28, COL. 1
*

L-3c

PROPERTY 28. Will the regular payments repay the loan completely 01 will rhere be a halance payable, or “balloon” payment when the loan is due? 28.1. What will the balance due or balloon payment he? 2% What is the typical payment and how often is ir made? Repay completely _

#I

PROPERTY Repay completelv

#2

PROPERTY Repay completely _ x Balloon

#3

. 1 (SKIP TO

I (SKIP TO

x 1121
Balloon

sQ.30.1)
%(GO TO Q.28.1) Balloon flG0 TO 0.2X.1)

,q2,

I (SKIP TO 5.30.1’ Y(GO TO 0.28.1)

x1722
$I I Id I I IJ I I (SKIP TO 4.30.1)
I

Xl822
$I I IJ I I IJ I I (SKIP TO 4.30.1) I $I__.___?___ ‘ I I, 1 P% I I (SKIP TO Q.30.1)

xr?z3 NONE
NO

$I

Xl?2
I.1 I I

3
I.1 I I I

KM 23 $I
NONE IA I _..._.__, I 0 I I I f&%X38 ?!d4HWf&l

-I-

NONE NO TYPlCAL UahGHwew

7.l.

TYf’ ICAL PYMTS : t. 9499996 m . . . . . . 9599998

PYMTS c & +?9!?9%

NO TYPKAL

PYMTS tZ:

-1w “z”“, .3. LXl !f .a .c 4% -3

+%!I%‘ 6 9999%

Week .????. _. .% AT Bi-weekly 3 B!Z Month . ..____..___. 9. W Quarter . . . . . . . . . . . s@Z Year . . . . . . . . . G.45 Other (SPECIFY) -786 30. When do you expect this loan to he repaid? w (SKIP TO Q.31) 30.1. Is this loan being paid off ahead of schedule. behind schedule or are the p:*yllltXL? about on schedule? 31. What is the current annual interrest rate heing charged on the loan? Does this loan have an adjustable rate: that is does it have ‘ interest rate that an can rise <and fall from time to time? P13s I I I YEAR

Week ! ! ?.?! Bi-weekly Month Quarter Year...............CI.85 Other (SPECIFY)

Week ! !?.?? .tJ+f Bi-weekly .3. &?Z Month .Y. d Quarter r .r 47 Year . . . . . . . . . . . (r. KS @5’ Other (SPECIFY) -7Lx-r

%l82s
I
I I I I I I

Xl92C
I I I I

I

YEAR 4% DON&HU%V (SKIP TO Q.31) Dw

YEAR .?99% (SKIP TO Q.31)

On schedule Ahead of schedule Behind schedule

1 2 3

On schedule Ahead of schedule Behind schedule y

1 2 3

On schedule Ahead of schedule Behind schedule .

I 2 3

7s*3

x3SSt
I I%

I

I

I.1

I

I

I.1

I

I%

xl8tlr
Yes No . . .._........._..

X/42&
1 Yes No . . . . . . . . . . . . . . . . . ..A

32.

1

Yes

. . . . . . . . . .

I S

5

No . . . . . . . . . . . . . . . . . ..j

XVI23
GO TO 0.33. COL. 1

X1823
GO TO Q.33, COL. 2

%/cl23
GO TO 0.33, COL. 3

,,

I
PROPERTY 33. Please look at the institutions Card. Is this loan with ‘ of the any institutions on the Institutions Card, or from someplace else’ (IF THE ? INSTlTUTIONS CARL? Which institution?) (IF SOMEPLACE ELSE: What tyw of institution is that’ !) CINTERVIEWER: CHECK THE INSTITUTIONS CARD AND UPDATE rF A NEW INSTITUTION IS MENTIONED AT THlS POINT.) #l 01 02 03 04 OS 06 11 12 13 18 19 20 PROPERTY #2 . 01 02 03 04 OS 06 11 12 13 18 19 20 PROPERTY lNST.#l . . . . . . INST. #2 INST. #3 INST. #4 INST. #5 INST.#6 _. _. COMM.BANK ._ S&L/SAV BANK CREDIT UNION MORTGAGE CO. CONTRACTOR/ DEVELOPER PRIOR OWNER OTHER (SPECIFY): <cc ;a+* #3 . . . . . . . 0’ , 0: 0: 0‘ . . II! _. _, o( _. _. _, 1: . _. 1: 1: It 1’ 2( ()i fNST.#l . . ..__....... lN.ST. #2 INST. #3 INST. #4 . INST. #5 lNST.#6 _. COMM. BANK . . S&L/SAV BANK . CREDIT UNION MORTGAGE CO. CONTRACTOR/ DEVELOPER PRIOR OWNER OTHER (SPECIFY): ‘ 07 \k rist WST.#l . .. . . . . INST. #2 INST. n”3 INST. #4 INST. #5 :. lNST.#6 _. COMM.BANK ._. S&LISAV BANK CREDIT UNIOX _. MORTGAGE CO. CONTRACTOR/ DE\ZLOPER PRIOR OWNER ‘ 07 OTHER (SPECIFI): $CC ;(&. ti

Ii&-+

Xl728

x IBB

A /-vg

$9099 &mined inst. +yec X1729
YES. NO. .(GO TO Q.34.1) (SKIP TO Q.35) 3 1

x 9100 Dc+qrni fiel inst. +ype
x1029
YES. NO. .(GO TO Q.‘ -r.l) (SKIP TO 0.35) .s I

x410\ ,ft+fm;nai if-isp- +Yf=
YES. NO. .&%&I) (SKIP TO Q.35) 5

34.

Did (,you/your family living here) recetve any income from this property in 19917 34.1. How much w income did (you/ your family) receive’ !

$1-1 I

x’ 730 _l_~_L1_1_l_l IN Yl

$l_l.!

%I830 I’
IN ‘ Yl

I 1

x1930 %l_l.l_l_l I)/ I
IN ‘ 91

I

35.

INTERVIEWER: IS THERE ANOTHER PROPERTY’ ?

YES.

(REASK Q16-35 C& #2) (SKIP TO SECT F. PAGE F-41)

YES. 1 NO. .&!

(REASK Qih-35) Cal “31 ~. (SKIP TO SECT F. P.XiEF-41! . . . ..sJ!

YES.. 1 NO.

(GO TO 036)

NO.

(SKIP TO SECT F. PAGE F-41) .s.

A

36.

Ahout the remaining
rccrutional x200’ purposes? Yes

properties

that you (and your family living here) own.

are my of these vacation

homes or kind you use for

No

_..._..._.......

(GO TO Q.36.1) (SKIPTOQ.37) ,el-

.._........

1 25

was property worth?

-

*“4”fJ

36.1. How much in total is your (f;lmily’ share of these vacation s) xzooz s~_l_~_~.~_~_~_~.~_~_l_~

homes or recreational JwoG

-““p”P

36.2. What w;s your (family’ total purchax s)

price for these proper%s?
I I

x2003
A2ooLj

%I I.1 I I
(INTERVIEWER: CIRCLE I

I.1

I

!o=fo7

- 7-p
AND

IF GIFT/INHERITANCE. ASK VALUE WHEL RECEIVED 1 . . . . . . . . . . . . . . . . . . . . ,2l

+m&-38

I
What type of property is it 10 11 12 13 14 Farm/Ranch -- any mention Land only: Lot, tract, acreage; building lots; "farmland" Land and (seasonal) residence (ext. 14); "house + 50 acres"** Land and some other type of structure** Land and trailer/mobile home** **Code these categories (instead of 21-25) if only "land"/acreage" mentioned implying something more than a lot-size parcel SEASONAL RESIDENCE 21 Seasonal/vacation house (winter/summer home; cottage; etc.) 22 Trailer/Mobile Home 24 Mobile home park 25 Time-share ownership -- any OTHER REAL ESTATE 40 One single family house 41 Multiple single family houses 42 Duplex 2 unit residence 43 Triplex 3 unit residence 44 Fourplex - 4 unit residence 45 5 or more unit residence 46 "AP artment house" -- NA # of units; "rental" units or property NFS 47 Other business/commercial property (ext. 41-46) 48 Business/commercial and residentaial combination 49 Condominium (include NA if own use or if one unit or a building) 50 Residential 51 Garage 52 Burial lot --> -7 97 Other, including combinations --> .D 98 DK --> .N 99 NA 999 Vacation property mapped from mop-up

2- 39.5

36.3. Are there any mortgages

or loans outstanding

against these vacation

homes or recreational

Ian&!

Yes
No 36.4. Altogether, XZOOCQ

................
................

(GO TO 4.36.4)
(SKIP TO 0.36.6)

...............
1
.............. zs sh,ue of these mortgages

x%YG~-v?@

abou! how much is owed on your (family’ s) $I

or loans?

I

l.Ll_l_l.l_l_l_~

X8YlO

-yp

16.5. How much we the payments on these loans or mortgages and how often are they due’ !
xzooq %I I I l.l_l_l_l

XWII
m6-t

---l-f
1

NONE......................................HHHtK)NO REGULAR PAYMENT ....................... ............................... .._..__..._....................... ..___.............___........._...._.. ___,....,..._..___........._..._........

Week Month Quarter

fi ti ti d@ w-7 in 19Y 1 from renting

iZ & xsy12 -vf

Ye.ar ,...,....,_...,_...,...................... Other (SPECIFY) 36.6. Did you (or your fbmily living here) receive ‘ any income

out these vacation 1 #7s

homes or recreational

land!

Yes
No 36.7. Altogether,

(GO TO 4.36.7) (SKIP TO Q.36.8)
family) receive?

xlwt3

-*r”r

how much gross income did (you/your

36.8. Are there any remaining

properties

you own that you have not told me details about?

$ZO\\
37.
For the remaining them for? )(ZOU 37.1. ~2013

Yes
No properties $I

(GO TO 0.37).
(SKIP TO SECTION F. PAGE F-41)

1

Zr

%?//g-

mvy I mean, what could you sell

that you own, about how much in total is your (family’ s)

share worth?

I

I

I.1

I

I

I.1

I

I

I

)(W/L

- ‘ r h9”

About how much was your (family’ s) $I I,1 I I I.1

total purchase price for these properties?

I

I

I ASK VALUE

X89/7 WHEN

-*pf RECElVED AND

*WI4

(INTERVtEWER: CIRCLE 1

IF GIFT/INHERITANCE.

1
against these properties’ !

315

Y

W/6

-fiyy

37.2. Are there mortgages

or loans outstanding

WI5
37.3. Altogether, x20 \ I,

Yes
No .__....

(GO TO Q.37.3)
(SKIPTOQ.37.S) .._.. . ..pr

1

XrylY
or loans?

- mpp

about how much is owed on your (family’ s) %l_l_l_l.l_l_l_l,l_l__l

share of these mortgages

xv%5

-My” p

37.4. How much are. the payments on these. loans or mortgages and how often are they due?

NONE.....................................~’ 1

NOREGULARPAYMENT.. .................... Eewweew .............................. Week ........................................ Month.. ....................................... Quarter ........................................ Year .......................................... Other (SPECIFY)

99ppp46 -2 . ..8?‘ 2 829 t33 < tar b w-7

xwz

--p

37.5. Did you (or your family living here) receive any income in 1991 from renting out any of these other properties? Yes ................ No ................ (GO TO Q.37.6) ............... (SKIPTOSECTIONF) .......... 1

pzo\q

.a?5

XbY2 3 - 3‘ yhf

37.6. Altogether, how much gross income from these properties did (you/your family) receive in 1991?

E-40

SECTION

F: BUSINESSES

1.

INTERVIEWER:

SEE SECTION D Q.3, PAGE 13
DOES R OPERATE A FARM/RAN CH BUSINESS ON THEIR PROPERTY? SKIPPED, CODE THIS QUESTION “NO”) YES..........................(GOTOQ.2) NO ..__ _., ____... ._ _.._..__ (SKlPTOQ.3) __......_......_..... __...___. .___._... (IF SECTION D, 4.3 WAS

1

.&5

%31OI
2.
Including your (farm/ranch) business here. in how many (famw’ mnches), privately-held businesses, professional practices or partnerships do you (or your family living here) own or share ownership in & have an active management role? (Include the general partners in a limited partnership, but not the limited partners.)

X3102z Fid*

DO NOT INCLUDE CORPORATIONS WITH PUBLICLY-TRADED STOCK OR ANY PROPERTY PARTNERSHIPS THAT HAVE ALREADY BEEN RECORDED IN SECTION E. IF R OWNS A HOLDING COMPANY OR MANAGED INVESTMENTS ACCOUNTS, REPORT THE COMPONENTS SEPARATELY.

2.1.

I will ask you fust about your (farm/ranch) business. When we taIk about the value of farm assets and liabilities here, please do not include the value of the properties and loans I have already recorded. (INTERVIEWER: WE ONLY WANT TO PICK UP FARM IMPLEMENTS, LIVESTOCK, CROPS, ETC. AND OPERATING LOANS OTHER THAN MORTGAGES RECORDED IN SECTION D). RECORD # OF BUSINESSES (FROM 4.2) IN BOX 5 AT TOP OF NEXT PAGE, THEN SKIP TO Q.5.1.

3.

Now 1 would like to ask you about businesses you may own. Do you (and your family living here) own or share ownership in any privately-held businesses, farms, professional practices or partnerships? (SEE INSTRUCTION IN BOX AFTER 4.2 ABOVE.) x

3103

Yes No

.

.

. (GO TO 4.4) (SKIP TO SECTION G, PAGE G49)

1 %<

4.

Do you (or anyone in your family living here) have an active management role in any of these businesses? (Include the general panners in a limited parmership, but G the limited partners.)

83104
4.1.

Yes No _...............

(GO TO Q.4.1) (SKU’ TOQ.20.1.PAGEF-46)

1
J’ s

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

X3 105: h’ c4\1~1_1# BUSINESSES b (,(, 89~~&TER #OF BUSINESSES

AT Q.5 ON TOP OF NEXT PAGE,

F41

5. l_l_l

# OF BUSINESSES

BUSINESS 5.1. What kind of business is (it/the largest business/the next business)--that is, what does the business make or do?

#I

BUSINESS

#Z

BUSMESS

#3

6.

How did you (or your family living here) fmt acquire this business; was it bought or invested in, stated by you, inherited, given to you. or what?

Boughti Invest . . .X.?! ?!. Started Inherited Given . . . .

.

01 .02 .03 started Inherited Given Other (SPECIFY) _ pmnrcrfi6n (SKIP TG 0.8) 02 03 04 -7 85 6r

Ez!.x. 339
Started Inherited Given . . . . . . . . . . . . -j Othec (SPECIFY) _ a$ (SKIP TO Q.8) . . _. .

01 02 03

. . . . . . . . . . . . 04 -7

Other (SPECIFY) ~?&x&% 7. 8. QUESTION DELETED

In what year did you (stattkquire) the business?

J33rrO
191___l_I YEAR

X 32,o
19l_l_l YEAR

x3310
191_1_1 YEAR

9.

How many employees does it have including you (and members of your family)?

x 3111 !--_~_L~ # EMPL.
GO TO Q.9.1, COLUMN 1

x32 II
I I I I # EMPL. I

x-1

I
I

I---_ I I I # EMF’ L. GO TO Q.9.1, COLUMN 3

GO TO Q.9.1, COLUMN 2

F-42

BUSINFSS #l 9.1. INTERVIEWER CHECKPOINT: (SEE HHL. P.l) RLIVESALONE (SKIP TO 4.9.4) ALL OTHERS _. . . (GO TO 4.9.2) 9.2. which members of your family living here work in the business? (CODE ALL THAT APPLY .) R .I ?&I.&
None

BUSINESS 1

X? 1

BUSINESS

#3 1

R LIVES ALONE (SKIP TO 4.9.4) ALL OTHERS (GO TO 4.9.2)

RLIVESALONE . . . . . (SKIP TO Q.9.4) ALL OTHERS (GO TO Q.9.2)

;

2

2

53117. . @l Spouse/Partner . ps .
... ...

JJf

(IF ONLY R OR SP
OR NONE CHECKED, SKIP To Q.9.4) Adult Child . . . . . , jl? OtheradultinHH . . ...84 Other (SPECIFY)_ 87 (GO TO Q.9.3)

R .,!?.?23:.3.t\?t. Al SpouselPanner f72 None BB (IF ONLY R OR SP OR NONE CHECKED, SKIP TO 4.9.4) Adult Child Other adult in HH Other (SPECIFY) ~ (GO TO Q.9.3) @3 Qd Or

R .x*.313.7 x%zil%r spouse/partner w None . . . JJf? (IF ONLY R OR SP OR NONE CHECKED, SKIP TO 4.9.4) Adult Child 0dwadtlltinHH Other (SPECIFY) . . . . . .87 . . . ..M -87

(GO TO 0.9.3)

9.3.

(Other than you [and your husband/wife/ partner]), how many hours does the (other/most involved) family member work in this business in a normal week? Is it a partnership, a sole proprietorship, a subchapter S corporation, another type of corporation, or what?

X3IlO
I
I I IHRS

9.4.

Partnership

. .

. . . 01 _ 02

Patmership Sole Propri!! Subchap. S Other Corp. 3 t

01

PaIttle.rsbii Sole~5!‘ .!“!...02 St&chap. S ,

. .

01

x3119 Sole Pqriet . . . imikrl h+f&&ip
Subchap. S . . . .

II
. _. .03

!
.

4.

02 II 03 .% ZJ 2

H . .03

othwcorp..
other (Specify)

.

..

.?I‘ ?
3

3dter (SPECIFY)

_

-2

Other

(SPECIFY)_

_-..__2

READ ONCE. FIRST TIME THROUGH GRID: These next few questions are about the relation between your (family’ personal finances and the finances of yolu s) (familv’ business. s) GO TO Q.10, COLUMN 1

GO TO Q.10, COLUMN

GO TO Q.10, COLUMN

F43

IO.

p.cr;

Are you (or your family living here) using m assets as collateral or did you have to cosign or gu:uantee any loans f&tbb bt$gL cb

(GO TO Q.lO.1)

(GO TO Q.lO.1)

(GO TO Q. IO. I )

(SKIP TO 0.11)

10.1. How much is

10.2. Did I record this earlier’ !

10.3. Which loan was that?

I I.

(Other than guarantees,) does the business owe you (or your family living here) any money?

(GO TO 0.11.1)

(GO TO Q.1l.l)

11.1. How much is owed? 12. Do you (or your family living here) owe the business any money’ )

(GO TO Q.12.1)

(GO TO Q.12.1)

(SKI!’ TO Q.13)

(SKIP TO Q.13)

(SKIP TO 0.13)

12.1. How much do you owe? 12.2. Did I record this earlier’ !

$I

I,1

I

I

I.1

I

I

I

12.3. When was it mentioned?

ti0

TO 0.13,

COLUMN

I

GO TO Q.13. COLUMN

2

GO TO Q. 13. COLUMN

3

I
BUSINESS 13. what percentage of the business do you (and your family living here) own? What is the net worth of your share? What could you sell it for? If you sold the business now. what would be the cost basis for tx ptlrpses of this share? (What was your otigintd investment?) What were the gross receipts or gross sales of the business ‘ a a~ whole in 1991P #l BUSINESS #2 BUSINESS #3

All

x3m
I I I.1 I I Percent

100

All I I

X3228
I.1 I I Percent

100

All I I

X3328
I.1 I I Percent

l(x)

14.

x312q $l_l_l,l_l_i_l~_l_l_l
NOTHlNG DON-f KNOW & 99999998 NOTHING DON’ KNOW T 49%9% 99999998 NOTHING DON’ KNOW T

I
%4& 99Y99998

15.

x3130 Fl_l_l,l_l_l_l.l_l_l_I
NOTHliiG

x3zao %l_l_l,l_l_l_l.I_l_l_l
NOTHING &

x3330 $I I /,I I I IJ I I I
NOTHING -6

+!+A6

-I

16.

x3131
$1_1,1_1_1_1,1_l_l_l,l_l_l_l

It3231
%l_I,l_l_l_l,l_l_l_l.~_l_l_l

$I_1I ,

What was the business’ total s gg income before taxes in 1991? 1X. QUESTION DELETED INTERVIEWER: IS THERE ANOTHER BUSINESS?
-

% FI_l_l_ll

3132
/ ._--.___I II I I I

X3232
%I_l_l_l.I_l_l_l.I_l_l_l $l_l I

X3332
/,I I i_l,l_l_l_l

19.

YES.@EASK Q.S.l-Q.19, COL. #z) . .
1JO.. ‘

1 2

YES.(REASK Q.S.1.Q.19, COL. #3) NO.. (GO TO Q.20)

YES. 1 2 NO..

.(GO TO Q.19.1)

I

. (GO TO Q.20)

(GO TO 0.20)

2

What kind of business is it/the largest business/the next business/that is, what does the business make of do? Farm; nursery; train dogs; forest management; agricultural 01 services; landscaping Restaurant; bar 02 Auto repair; car wash 03 Direct Sales: Amway; Avon; Mary Kay; Tupperware; Stanley Home Products 04 Contracting; construction services; plastering; painting; plumbing 05 Real Estate: insurance 06 Professional practice, incl. law, medicine, architecture; 07 accounting; bookkeeping Beauty shop; barber shop 08 Manufacturing, incl. printing/publishing; oil field services 09 Gas station 10 Food/liquor stores 11 Other retail and/or wholesale business (CCC. 02, 04, 10, 11) 12 Trucking; moving and storage; warehousing 13 Repair services iexc. auto, 03) 14 Personal services; (ext. beauty shop, code 08) hotel, dry cleaners, etc. 15 Entertainment services, incl. movie house, dance studio, etc 16 Business management and consulting services 17 Other business services iexc. 17): advertising, equipment 18 rental, computer programming, auctioneering, pest control, industrial recycling Banks and brokerage firms; mortage/finance company 19 Communications; cable tv or radio stations 20 *****21 Mining, extraction; gas and water services *****22 Art, crafts, related areas *****23 Writing, training, speaking services *****24 Transportation services (ext. 13). parking ---> -7 Other; incl. foreign-operated business 97 ---> .D Don't how 98 N NA 99

FsY5.5

19.1.

For the remaining business(es) you (and your family share foi? (What is your shtxe worth?)

living

here) own and actively

mtmnage, what could you sell your

It3335
19.2.

$I I I I_) I I II_~_~_~ %
If you sold (these businesses/this was your original investmmrY)

xw25

- n-y-y
(What

business) now. what would

lx the cost basis for tax purposes of your share?

x333G

$I I__ I II_l_~_iJ_~_l_~ _ .
NOTHING, __ .._ .__

mi
__

2G - “ 7Qp-p
+we%+& -J

DON’ KNOW T 19.3. What was the total net income you (and your family
living

999999998
here) received from (these businesses/this business) in IYY I?

x3337
20.

%I I I l,I I I I,l I I I
living role’ !

xw27

-businesses or partnerships where you do not

Do you (or anyone in your family have an active management Yes.. x3Yb\ No 20.1. . . .

here) own or have an interest in any @&I

_.
. . . .._..._

(COTOQ.20.1) (SKIPTOQ.22) . . .._..........

1 25 living here) own or sh,ur ownership in’ !

How many of these (other) businesses OT partnerships One Other I I (GO TO Q.20.2)

do you (and your family I

I

I (SKIPTO

0.21)

NUMBER 20.2. Is it a sole-proprietorship. corporation. or what? Pamlership Proprietorship Subchapter S ,.._ a limited parmership, another type of partnership, a Subchapter S-corporation. ‘ another type of

: @@Jcd (\law 9 4” *A

. . .

__.._

_.,

._

__ _.

01 02 03

Other Corp.

.._........

_.............

_, .._

04

Limited partnership Other (SPECIFY) 20.3. What could you sell your (family’ s) $I 20.4. I I II ._~_~_l.l_l_l_l now. what would share foi? (What is it worth?)

US
07

If you sold this (business/pattnership) investment?) $I I I 1)

be the cost basis for tax purposes?

(What WIZ your original

I

I

1)

I

I

I living here) received from this (businesslp~utnership) in 19YI?

20.5.

What was the total net income you (and your family $I I I 111 I I IJ I I

I

(SKIP TO 0.21.7)

21.

(1 need to know what twe of businesses these are.) Are any of them (TYPE)? (INTERVIEWER: ASK 0.21.1 Q.21.6, THEN FOR EACH YES. ASK FOLLOW-UP

QUESTIONS

Q.22

Q.24)

22. What could you sell your (family’ s) share of all these (TYPE) for? (What is it

23. If you sold these (TYPE) now. what would be the cost basis for tax purposes of these shares? (What was your original investment?) 23.1

24. What was the total net income you (and your family living here) received from all such (TYPE) in 1991’ ~ 24.1 x34)0

$3909 $l_l_l_l.l_1 I.1I I I I 23.2&3# 3
$l_l_l_l,l_l_l_l,l_l~l_l

No

ASI
22.2 1 2 S

!1.2. Other P,wtnerships? Yes???!!.... No :!1.3. Subcbamer

$340 ~l_l_l_l.i_l_l I I I IU X3W

24.2 x3wJ
$l_l_l_l,l_l_l_l,l_l_l_l

Corpontions?
Yes
No

1 22.3

23.3

24.3

WI15
__,.....,,.

83%’
$I I I I,1 I I I.1 I I I

)I34w
$I_I_l_I,I_I_I_I,Ll_l_l

1
j?

~~_l_~_~.~_l_l_l.~-l-l_1

Z1.4. Other Corporations? Yes No

x3Yl9

22.4
1 Z $l_l_l_l.l_i_l_l.l_l_l_l

23.4

x3+

I

24.4 X3322
$I_I_I_I,I_1_1_1,1_1_l_l

$l_l_l_l,I_I_I_I,I_I_l_l

1 x3c12s $1I I /,I I I I.1
23.5

24s J33Jtb
I I I $I_l_I_I.l_I_l_I.I_I_l_l

!1.6.

Any other type? Yes ?!?.Y2?
No . . . . . . . .._.

22.6 r3q28
1
p
$l_l_l_l.l_l_1 I.1 I I I

23.6 $l_I I

x3429
1.1 I I I.1 -I I I xws3

246 x3430
$l_l_l_l.l_l_l_l,l_l_l_l x%YsY-w

X$w5z

--

21.7.

Were you (or any of your family living here) ever involved businesses)’ Yes No ..........................................

in the active management

of (this business/any

of these

)c75’ Q y
22. INTERVIEWER:

............................................
..g REPORTED

1 c

DOES R OR S WORK FOR A BUSINESS R DOES ........................................ NO .......................................... S DOES R AND S DO

lN THIS SECTION: 1 ..A < 3 4

.................... .................... G

GO TO SECTION

XZJOl

Yes _. No . . . . . . . . . . .

. .

(GOTOQ.2). (SKIPTOQ.7)

_, _. . . . . . . . . . . . . .._......

1 25

other vehicles LEASED

do you (and your family living here)

VEHICLES

What make and model is the (newest/next) vehicle? (2.WORD ANSWER: MAKE m MODEL) 4. What model year is it?

5.

How much are yaw monthly lease payments? NONE
. . . . , . . . ,

$I

_9___

II

I

I

I

DON-r KNOW . . . . . . . * . . . .
Week
ualter

.

.x.?.I.&. I.. .

.

.

. .% 03 . ... .. ...

.s . . . .. ..... ... .. ..

5.1.

How many years or months was the original IeaSe?

I_l_._I I_l_I

# YEARS, OR # MONTHS

I-l-1 l_l_l

# YEARS, OR # MONTHS

6.

INTERVIEWER: IS THFRE ANOTHER VEHICLE? 6.1. Altogether,

YES. . . . (REASK

Q.3-Q.6. . . . .

YES.

.(GO TO 4.6.1)

1

about how much per month are the lease payments

on your other leased vehicle(s)?

NONE

............................................ AJW&-’
....................................

NOREGPYMTS DON’ TKNOW

......................................

9946-z 9998 01 02 Y

x2

IJ!

Day ................................................ Week ............................................... Month ............................................... Year............................................,... Other (SPECIFY)

KW29 -rr” p^ro

Quarter.............................................. prr
&r

Q

x.7
G-49

7.

DO you (or anyone in your family here) own any cars, or any kind of uock, van or jeep-type vehicle? Do m include motorcycles, tractors, snow blowers, etc., or any vehicles owned by a business. ,zzo’ 7.1. Yes No . . (GO TO Q.7.1) . . . . . . . . . (SKIF’ TOQ24,PAGEG53) 1 .Z?r

..__......_

Altogether, how many such cars or other vehicles do you (and your family living here) own? I # OWNED VEHICLES
VEHICLE

#l

I

VEHICLE #2

VEHICLE #3

w

8.

What type of vehicle is (it/the newstithe next)-+ cti. van, jeep, pickup, or what?)

Jeep ............................. Pickup .............

Jeep _. . . . . . . .03 Pickup . . . . . . . . . . . . 04 Otber(SPECIFY)

0 q

9.

What make and model is it? (2-WORD ANSWER: MAKE m MODEL) What model year is it? Did you buy it new or used?
New . . . . . . . ___ 1

10.

11.

(SKIP TO Q. 12)
used

(GO TO 0.11.1) 11.1. In what year did you buy it?

.F.?S”
,......

I

New

1

New...............
6KiF’ TO

(SKIF’ 4.12) TO
ti75yz

0.12)

1! lb. *

2 I Used . 1 (GO TO 0.11.1)

2

X75Yb
191_1__1 YEAR

X’ SW
lPl_l_l YEAR

12.

Not counting any loans I’ already ve recorded, is any money still owed on loans for this (MAKE/MODEL)? In what month and year was the loan taken out?

%220~
Yes .. . . . . 1 Yes
9
.

XZ3Ob
... . . ..

1

Yes

(GO TO Q.13) No . . ..___........ (SKIP TO Q.23) 1Zzo? xzzog I I II I I MONTH YEAR GO TO NEXT PAGE, Q.14, COL. 1

(GO TO 4.13) No . . . . . . . . . . . . . . ..~ (SKIP TO 4.23) x2=7 rZJ@ l-1-1 l_l_l MONTH YEAR Go m NEXT PAGE, 4.14, COL. 2

.. . . .. ... (GO TO 4.13)

1

13.

GO TO NEXT PAGE, 4.14, COL. 3

G-50

VEHICLE #l 14. How much was baTowed or fmanced? 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? 16. How many monthly payments or years were agreed upon when the loan was received? x9& VEHICLE #2

-

x2209 $I I I II _--._-Regular

I I

I 1

$I

I

~z309
I I.1

I

I

I 1 Regular Installment (GO TO Q.16) . 1 II

Installment (GO TO Q.16)

Regular Installment (GO TO Q.16) Other Kind _. (SKIP TO Q. 18)

423so

2

(SKIP TO Q.18) f3t3m . . (SKIP TO Q.18) , A?

(SKIP TO Q.18)

Y ,_ DQHF&N%W

. . . . . . . .& (SKIP TO Q.18)

lx?‘ -- %EARS,

OR

I

%%(rz,

3, X41&!,
.(SIOP TO Q.18) ..pd DV.(SKIP 4.18) .& TO

19179 Term of /MI
in nrontb~
17. How much are the monthly payments?

4.18) . w x 2413

X23/3
$I ,*?I? ._---1I I $I I I IJ I I I NONE . .rf Beeeee NO REGULAR PAYMENT....‘ .?494996 DONT KNOW 999998 (GO TO Q. 18) Week .x%3.7..
1 NONE

.t.&P Month . . . . . . . .t/.@r ’ ?wttx . . . . . . . . . . . 5Y.w Year ^_.._.._..._. h&r Mer (SPECIFY) -3 a!?
(SKIP TO 430.1) x $I I I ZZIJ I.1 I I I

1

,

,

-1. I&@@00 NO REGULAR PAYMENT....?%99996 DONT KNOW , 999998 DONT KNOW . . _ 999998 (GO TO 4.18) (GO TO Q.18) Wee’ .a Week Month .Y.lH Month . . IQuarter.. Quarter 93 sfi Year . . . . . . . . ..lr. &w Year..............G.Bb -7 #T- IDtha (SPECIFY) a 3ther (SPECIFY) (SKIP TO Q.20.1) (SKIP TO Q.20.1)

T5.3.& .2.&H

.

1

.c

18.

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

82313
$I
IVONE Ivo TYPICAL

x24,q
I I I $l_l_I_I,!__I_l_l
1 VONE

I

I

IJ

z 5

VONE . . . . . . . d.,, vo TYPICAL ?AYMENT.....-.&@+99%? DOIVT KNOW . . 999998 Week ! ??!.?. t . .s.Sr %nth . . . . . . . &attt! . . . . . . ..+.s Year.:...: . . . . . . . . G.04 Xher (SPECIFY) -7 e? 19. In what month and year do you expect this loan to be repaid?

.-.I. Qeeeee .-.+999%@ 999998 .C.M .J. 82 .sYkw -7 e(

IPAYMENT.. 1 DONTKNOW Week .!.??~. IMonth ,&uler Year..............~(.d ,Mer (SPECIFY) x2

. . . . . . . t/.eeeeeo 1 vo TYPICAL IPAYMENT . . .:z. 449946 1 DONT KNOW . . . 999998
W&

w

IMonth ,Quarter..

. ........... ...........
.........

rzq’ r

t,$ ..

Year
,

. . . . ft

x d

!f. EC?
84

x

:

II

q2wt XZZI3 L._._l___l l__l__l
MONTH x)NTKNOW GO TO YEAR .___. 9898 1

I

3).

X2313
I I YEAR 9898 L IDONTKNOW 9898 k

I II MONTH

1 DON-f KNOW

Q.20, COL.

GO TO Q.20, COL. 2

GO TO 4.20, COL. 3

G-51

I
VEHICLE 20. How much is still owed on this loan? #I VEHICLE #2 VEHlCLE #3

xzag
$I
I

I I fSKlP TO 0.21)
I I.1 .... , .

I

$I I
1

xz3rtt
I IJ I I (SKIP TO 0.211 , I (SKIP TO Q.21) 1 ‘ 2 3 On

&!

Is this loan being paid off ahead of schedule, behind schedule, or are the payments about on schedule? What is the current annual rate of interest being charged on this loan? Please look at the Institutions Card. Is the loan with any of the institutions on the Institutions Card, or from someplace else? (IF INSTIT’ JTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IFANEW INSTITUTION IS MENTIONED AT THIS POINT.) INTERVIEWER: IS THERE ANOTHER VEHICLE?

On schedule Ahead of !!x@ Behind

On schedule

schedule ..........
......

1 2 3 II

. . . . . . Z 3

Ahead of schedu e Behind schedule

mq3

Aheado!szz Behind schedule

schedule.

21.

x2219
I

fZ319
I 1%

I

I.1

I
01 02

I

I.1

I

I%

?ttLjl9 I I I.l I I%
01 02 03 INST. #l lNST.#Z. . __ _. . . . . 01 02

2
i

22.

INST. #l INST.#Z

............ ............

.r.wt.. INST. #6 COMM.BANK.ti~.. S&L/SAV BANK ::. CREDITUNION...... FINLOANCO .. .. DEALER . _. . . _ PRIOR OWNER . .

..

.. . . .

06 11 12 13 14 15 20 , 21

AUTO FIN/GMAC/ FORD CDT . . . . . . .
OTHER (SPECIFY): -07

INST. #l ............ INST. #2 ............ INST.#3 INST. #4 INST. #5 GvW~i.rld rNST.#6 ..i.&.. .,ypC COMM. BANK S&L/SAVBANK CREDITUNION...... FIN LOAN co DEALER PRIOR OWNER AUTO FIN/GMAC/ FORD CDT

x&03.

04
INST.!+6 . ...
COMM. BANK typ& II S&L/SAV BANK . 12 CREDITUNION...... 13 FINLOANCO . ..<... 14 DEALER . __ . .. 15 PRIOR OWNER . 20 AUTO FJN/GMAC/ FORDCDT . . 21 OTflER see (SPECIFY): * Inrt. -(, I?sf

05 06 11 12 13 14 15 20 21 -07

i&r,..

06

OTHER (SPEClFY):_

X2726
YES.
.(REASK Q.B-23) _1 YES. :NO.. .(REASK 4.8-23) . 1 2

23.

X24Zb YES. . (GO TO
NO.

4.23.1)

1 . 2

NO....LSKIPTOO.2421)

..2

-

.(SKIP TO 0.24)

.(SKlP TO 4.24)

23.1. How much (is/are all) the other such vehicle(s)

that you (and others in your family living here) own wonh in today’ prices? s

DON’ KNOW T 23.2. Not counting loans I have already recorded,

999998 is any money still owed on loans for (this/these) 1 . . . . . . . . . . . . . . ..Zs loan(s)? (ACCEPT RANGE.) vehicle(s)?

%UZ3
23.3. Altogether,

Yes (GO TO Q.23.3) No . . . . . . . . . . . . . . ..(SKlPTOQ.24) about how much is still owed on (this/these)

!&v31-

‘ kvq

G-52

23.4. How much are the total monthly

payments

on (this/these)

loan(s)?

NONE......................................

-

hUM%-1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..$&9%N+

x2%3 G

Week . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..~= Month ._..._.........._........................ &q Quarter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ...&? 5 Year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . wcr w-7 Other (SPECIFY) that <are owned hy a business hut which you

‘ .W

Do you (or nnyone in your family living here) have any (other) vehicles also use regularly for personal purposes? 6 Yes No (GO TO 0.24.1) ..(SKIPTOQ.25)

y
25.

.._..._......

. . . . . . . . . . . .

.

1 25 use?

1. How many such vehicles do you (or someone l_l_l # BUSINESS VEHICLES

in your family living here) regularly

Do you (or anyone in your ftunily here) gwn any g&t (WTERVIEWER: DO NOT LNCLUDE TRACTORS

vehicles

such as a motorhome.

RV, motorcycle,

boat, or ‘“irpkme’ !

AND LAWN MOWERS.) . .._..__.__._ _.__.._.._ 1 2s

xtso3
25.1. Altogether,

Yes No

.._..._.._...__ .._...._..__

(GOTOQ.25.1) . (SKIPTOSECTIONH)

how many of these other vehicles

do you (and your family living here) own?

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

VEHICLE

#I 01 02 03 04 &W 07

VEHICLE Motorhome RV __ Airpla”e Boat . . . . . . . . . . . _..._ Motorcycle Other (SPECIFY)

#2 01 02 03 04 Jf, A5 _ 07

Motorborne . _. . RV _.._..__........... _.. Airplane . . . . Boat . . . . . . . . . . . . . . . . . . . . . . . . Motorcycle . . // Otter (SPECIFY) xt5fx *a&&&

__ .._

xzL43t_s&n&&a $, ~, ,xzbOb _ ,__1_1_1,1_1_1_1

21.

About how much is this (TYPE OF VEHICLE) worth? Not counting <my loans that I have already recorded, is any money still owed on loans for this (TYPE OF VEHICLE)? In what month ‘““d yenr was this loan taken out? How much was borrowed or financed. a counting the fmance charges?

$I-~---.-~_~_I l?2;“‘,,

2X.

4293
Yes. No (GO TO Q.299) (SKtPTOQ.39) . I . . . . . s.? Yes.. No .

X2607
(GO TO 4.29) . . (SKlPTOQ.39) I __,. !$A

29.

Iszsou

hTJ&

‘ &$

xtsoq

xtcro8

+-;

I-&

XZ6cJq

30.

$I

I

i( zs/a I I,1

I

I

I

$I___u_1_1_1

GO TO 0.31, COL. 1

GO TO Q.31, COL. 2

VEHICLE

#I
. __ . 1

31.

Is this a regular installment loan where you pay a fued dollar amount each month for a fixed number of months until the loan is repaid. or some other kind? How many monthly payments or yeSIS were agreed upon when the loan was received?

Reguiar ‘ r(z5tl InstaIhneot. . . (GO TO 4.32) OtherKind __.. (SKIPTOQ.34) DBercfmroB...(SKIPTOQ.34)

Installment Other Kind. DBfp 1 IU~

(GO TO 4.32) .(SKIP TO 4.34) .(SKIP TO Q.34)

1

. . .._ 2 ..d

-8

32.

I_l__I

# YEARS, OR x2

513

I_I__l#YEARS,OR

i@d3

~i,$A;+g$ig;fA;-$# m. (SKIP TO
$I IY!’ . _l_l--

0.34)

. . . 98

4XHYmeW.

(SKIPT00.34)

98

33.

How much are the monthly payments?

%I_, _1_1.1_1_1_1

x2b’ 4

NONE . . _. .._. ._ .:I. Bew?xww ... .. NOREGPAY.. ..____. -.2, (GO TO 0.34)
Week , . . . . : . Month . . .._

Seeeee NONE _. _. .?.I. ‘ &?0080 9999%% . .. . . .. . 499996 NOREGPAY _....... :2#999% (GO TO 4.34) ~~~.:::::x?~~~.::::~~ Quarter
Year

Quarter .

Year......................&.ez

Other (SPECIFY) (SKIP TO Q.36.1)

x?&::::::$$! .......... ...................
.C 83

Z -3

..L.

-3as

Other (SPECIFY) (SKIP TO 4.36.1)

m M 85

34.

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

X2SJS
$I
I I
I.1 I I I

$1

X2&W
I I I.1 I I I

NONE . . . . . . . . Z-1 AX%@38 NONE . . .._..._ DONT KNOW ... 999998 DON’ KNOW T NO TYPICALPAY . .-.t, 999896 NO TYPICAL PAY week . !! 2 5 !b.. . . . . Month ..,.........._...... Quarter . . . . . .... Year......................~ Other (SPECIFY) 35. 36. In what month and year do you expect this loan to be repaid? How much is still owed on this
lOXI?

4,

m 999998
944446 .t

7.2.

. . . .t ar ff.Bz .zrP 94

-7hw

Week )c.?.b.l.h Month Quarter Year.....................lr. Other (SPECIFY)

@r
@? 83 w ps

.y. .5: -7

(SKIP TO 4.37) a6.1. Is this loan being paid off ahead of schedule, behind schedule, or are the payments about on schedule? 37. What is the current annual rate of interest being charged on the
IOCUI?

(SKIP TO 0.37)
__ . 1
On schedule

On schedule

.

_.

1

Ahead of schedule Behind schedule.
I I

X7529. . .
. ..

,

.I....

2 . _. . 3

Ahead of schedule Behind schedule.

~3~28

2 3

Y25W
I.1 I I% I--

~2b20
I I.1 -_ I I%

GO TO Q.38, COL. 1

GO TO 4.38, COL. 2

G-54

I
VEHICLE 3x. Please look at tbe Institutions Card. Is this loan with any of the institutions on the Institutions Card or from someplace else? (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that’ ?) (INTERVIEWER: CHECK Ih’ STITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONE AT THIS POINT.) #I INST.#l INST. #2 INST. #3 VEHICLE #2 01 02 03

t.. _. _. 01 INST.#l lNST.#2 . . . . . . . . . .._......._ 02 03 INST. #3 INST.#4 _. ._.. . . .‘ 04 INST. #5 OS INST. #6 ._... . 06 COMM.BANK ._....._.: ______ 11

:xzszl: :

INST. #6 COMM.BANK

_, _.

_.

Oh 11

BROKERAGE. .i.lr$tt, OTHER (SPECIFY):

?j@?.

. 16 - 07

FIN LOAN CO tik0.h.d BROKERAGE ;i%t.. OTHER (SPECIFY): <cp YES. . & . I,<+

.tyf+ -

I4 I6 07

5P*
39. INTERVIEWER: IS THERE ANOTHER VEHICLE? YES.

in4

.

l&
I

.(REASK 026.39, COL. #2) . . (SKIP TO SECTION H)

.(GO TO 0.39.1)

1

1 2 NO. (SKIP TO SECTION H) 2

NO..

-

39.1. How much (is/are all) the other such vehicle(s)

that you (and others in your family living here) own worth?

x &Z3 ~~_~_L~,1_~_~_~
39.2. Not counting

XVI35 - w EQPemmw . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..9wM
loans I have already recorded, is any money still owed on loans for (this/these) vehicle(s)?

x a&i
39.3. Altogether,

Yes No ................

................
I,1 I I

(GO TO Q.39.3) (SKIP TO SECTION

...............
H) .......... loan(s)?

1 ,TS

v%Y 36 -w”c

about how much is still owed on (this/these)

X2GW

$I I I

I

xw37
on (this/these) loans?

-my-y

39.4. How much are the totaI monthly X2GZG S~_l_~_~,1_l_~_~

payments

)(%43V

-“ -v*p

NONE...................................rl.~ BeN+%w3w . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..%w#

)L2&23

Week .......................................... Month.. ........................................ Quarter ........................................ Year .......................................... Other (SPECIFY)

. .&I# w-7

2 4 5

xw39

-VT

G-55

What type of motorhome 2 3 4 **9 11 12 13 14 15

is it?

Motorhome (one piece that you drive) RV (hauled by a car or truck); "trailer" -- NA type; "travel trailer" Airplane; helicopter Boat Tractor Motorcycle: motor scooter Snowmobile Golf cart Non-automobile off-road vehicle Miscellaneous construction vehicle

G-5b

SECTION 1.

H: EDUCATION

LOANS

Not counting credit cards or loans you may have told me about in detail, do you (and your family living here) owe any money or have any loans for educational expenses?

x7801
2.

Yes__
No

.._........

(ASKQ.2) . . . . . . . . . . . .. . . . . .. . . . . . 1 (SKIP TO SECTION I, PAGE I-63) .p 5

How many such loans do you have? I I--- I # LOANS I

LOAN #l 3. (About the [largest/next] loan), in what month and year was this loan taken out? How much was borrowed or fmanced, I!&t counting the fmance charges? Are you paying on Yes.

LOAN #2

LOAN #3

I I It MONTH

t I YEAR

1_]_1
MONTH

l-I-1
YEAR

t 1 tt MONTH

I

I

YEAR

Y7803

nw

xx26

X7827

xmc)

%7rn

4.

5.

.(SKIP To 4.8)

1 5

x7829
start paying on this loan? 7. %-&aFw& Yes. Nox -. . .(SKlP TO Q.14) T@$Q.IS, ,. .?i? .(SEaPTo 0.15) . 1

w
Yes No -. x .(SKIP TO 4.14) g mxQ.15)

.

9898 1 .?-.-??

Yes. .
No -

.fSKlPTO 4.14)

. . . . . 1 . .s

g(we5)

.(SKIP TO Q.15)

B

.(SKIP TO Q.15) . . _ $4

start paying this loan? (TAKE MOST RECENT nm R BEGAN PAYING ON LOAN) 9. Is this a regular installment loan where you pay a ftxed dollar amount each month for a fixed number of months until the loan is repaid. or some other kind?

II_] MONTH

t_J__t YEAR

I I II MONTH

I I YEAR

t-11 MONTH

)_I_( YEAR

x7m
Regular InstaIlment.

v?W\

X7833
Regular Installment

xmv

X78sc; X767
Reglttar Installment.

.(GO TO Q.10) TO Q.12)

1 2

.(GO TO Q.10) TO 4.12) .(SKIP TO Q.12)

1 2

.(GO TO Q.10) TO 4.12) .(SKIP TO Q.12)

1 2

Other Kind.(SKIP -

Other Kind.(SKIP D0WWWW?

Other Kind.(SKIP -

.(SKIP To Q.12) . . %

%

.R

x7ssB

LOAN #l 10. How many monthly payments or years were agreed upon when the loan was received?

LOAN #2

LOAN #3 1 OR

ti7%)3
~~&$$q

?_I_1#YEARS,

>1783b
OR
l-l-1 # YEARS,

I:lII
I

x7&i??

# YEARS,

OR NTS r .A!7 TO .. -98

X;78GQ# PAY
TO 4.13)

X9/73, r917J, X9/7! ;
-lccm 0C /can ifl m.(SKIP
WbOrtfh5

+@%%~(tiz~ TO 4.13) Q.13) x $I TO .. .JX8 PE
?O

Q.)

.,9f -.(SKIP 9f X7% I
I

4EWHhFW.(SKIF’ TO Q.13)

4.13) I
Id I

11.

How much are the
monthly payments?

7GI5
I II) I I I

It7830 $I I IJ I
NONE

$I

I

I

I

NONE . . ..__.. 4WM3 . . . . . 9999s NO REG -2 PAY . . . . . . . . . . . . . 99996 (GOTO 4.11.1) Week . . . , t ..& ;::* :x”1Sfd: . . ::: :g -7 0.14) Jxf

?.!

Year................* other (SPBCIFY) (SKIP M 11.1. What is the typical I payment and how often is it made?

NO REG -2 .+9996 PAY . (GO TO 4.11.1) Week M Month 6?? Quarter !a Year................84 Other (SPECIPY) -7 @9 (SKIP TO 0.141

-

.?!.-fH% m

NONE ?-eeeee i%ww%ew . . . . ..!%9% NO REG PAY . . . . . . . . -2. . .99996 (GO TO Q.11.1) . . . . . , ~39 Week . .

.7!.

:xnM

Year................
Other (SPECIFY) -7 (SKIP TO Q.14)

00

85

NONE

. . . . . , .?.t.

48868

-w

. . ...99998

NO TYPICAL PAYMENT . . . . .-x&w6 .

NONE .-.-. NO TYPICAL PAYMENT.....fk

9tG?7$w-’
-CXJTKl . . . . . 99998 99996 @ : : : :$

t!.

NOI’ ??!??& Dermnrmrrw . . . . ..-!+99@ NO TYPICAL PAYMENT . . ...2.?%%

Week Week . . . . . . . . . . . . .._ &+ Month )(76/g. . __ AX? ::z:r : V:?F?? Qtwtel..............& Year................84 Year . . . . . . . . . . . . . . . . # Other (SPECM) Otbex (SPECIFY) -7 e? 12. In what month and year do you expect this loan to be repaid?

:week . . . . . . . . . . . . . ..Jal

gz*?Pas;tt2 : :::
z . ... ... . ... .. .. . (SPEClFY) -7

-7-B

ii

Y~zii!d.&

‘ $xgv3

x-=-3-‘ m&t% ...
. . . .. . ..

IJcmr KNOW
(SKIP TO 0.14) On

9898DemlmmT
1 2 3 On schedule

.98!%
I 2 ?

(SKIP TO Q.14)

13.

Is this loan being paid off ahead of schedule, behind schedule, or are
the payments about on

schedute ...........

1 .2 3

On schedule Ahea Behind schedule..

Ahead0

47821 schedule

...... . .

Y7867 Ahead of schedule
Behind schedule.

schedule? 14. What is the current annual rate of interest being charged on this loan?

Behind schedule.

I_-f_-I

II

I

I%

I

I

I.1

I

I%

I--I-- I

II

I

I%

x7az
GO TO Q.15

)(7vf5
GO TO Q.15

%7g65
GO TO Q.15

H-58

LOAN #l 1s. Please look at the Institutions Card. 1s this loan with any of the institutions on the Institutions Card, or from someplace else? (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT.) How much is still owed on this loan? INST. #1 . INST. #2 INST. #3 . INST. #4 . . INST. #5 INST. #h COMM. BANK S&L/SAV BANK CREDIT UNION FINLOAN CO _. BROKERAGE.. OTHER (SPEClFY)-3* 01 02 03 w 05 06 11 12 13 14 16

LOAN #2 INST.#l INST. #2 INST. #3 INST. #4 . INST. #S INST. #6 COMM. BANK S&L/SAV BANK CREDIT UNION FIN LOAN CO BROKERAGE OTHER (SPECIFY)& _. 01 02 03 04 OS 06 __. 11 12 13 14 16

LOAN #3 INST. #I INST.#Z _. INST. #3 INST. #4 INST. #S INST. #6 COMM. BANK S&LlSAV BANK CREDIT UNION FIN LOAN CO BROKERAGE OTHER (SPECIFY)* +e J&&ho;, 1 1 1 1 1 1

I&

16.

Sl_l_l.LI_I

/,I

I

I

I

~~_l_~,~_l_l_l,l_l_l_i

$l_l_l,l

I

I

1.1

I

I

x78itY
YES. .&EASK 43-17. CQL. #2) 1

ti7w7
YES. .(REASK Q3-17, COL. #3) 1

Y78-76
YES. (GO TO EXTRA LOAN PAGE, COL. #4 1.

17.

INTERVIEWER: IS THERE ANOTHER LOAN?

NO.. (GO TO SECTION PAGE l-63).

I, 2

NO. (GO TO SECTION PAGE I-63)

I, 2

NO. (GO TO SECTION PAGE l-63).

I
EXTRA LOAN PAGE LOAN #4 (About the next loan), in what month and year was this loan
klb out:’

LOAN #5

LOAN #6 X7%4 I i MONTH

X39 MONTH

lC904 -YEAR

1-I

x79=
1

i

YEAR

How much was borrowed or financed, m counting the fmance charges? Are you paying on .

$l_l,l

I

I

I.1

I

I

I

$I

I.1

I

I

I.1

I

I

x7’ 105
Yes

X7926
.(SKIP TO Q.8) Q.6) II is I Yes. 1 .(SKIP TO 4.8) 1 No .;~~~!jij 5 II

IhlS

mm now?

:&32d~
6.

When wtll you skin paying on this loan?

X79I’ I l&i lcP
MONTH wwr-wiow Yes . YEAR .-9x98 1 % .(SKlP To 0.15) m Yes ISKIP TO 0.14) MONTH YEAR 98%
1

&ma c x7l9531 I VW
MONTH YEAR . . 4%

1 m

.(SKlP TO 0.14) $%&.lS)

&$ hrrr.+yI X.

l
=$& When did you skirt paying this loan? (TAKE MOST RECENT TlME R BEGAN PAYING ON LOAN) Is this a regular installment loan where you pay a fEed dollar amo”“t each month for a fixed number of months until the loan is repaid, or some other kind? How many monthly payments or yenrs were agreed upon when the loan wt.7 received?

No

m

g I I II MONTH

5
.(SKlP TO 0.1% # I I I YEAR

’ 1 1

1-l-1 MONTH

l-l_1 YEAR

x7733
RtXJtlar Lnstallment. ReglJlZII Installment.

x7934
I<egular I:nstallment. 2 4c

9.

.(GO TO Q.10) TO Q.12) .(SKlP TO Q.12)

1 2

.(GO TO 0.10) TO Q.12) .(SKlP TO Q.12)

.(GO TO Q.10) TO Q.12) .(SKlP TO 4.12)

1 2 .Y

3ther Kind.(SKlP m.

Other Kind.(SKlP m.

tIther Kind.(SKIP 1m.

4f

x7912

Y793S
OR I~%‘ EARS, OR I~ xafi%ARS. I i .% FIP .% 0.13) OR

IO.

)tls113 YEARS, -_

TO 4.13) &FI%N@V.(SKlP TO Q.13)

TO Q.13) TO 1 VIP

TO 4.13) TO Q.13)

.& W-j

EXTRA

LOAN

PAGE

II.

How much ture the monthly payments’ !

(GO TO Q.Il.1)

Quarter
Year

_

Quarter
Yeal

Qwter ...... .....
Year.........

.4#

Other (SPECIFY

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

NO TYPICAL

r..............

Week ._ .x.‘ 2?.4.4. Month er

#? HP #3

12.

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

I

I

II

I

I

.

13.

Is this loan king paid off ahead of schedule, behind schedule. or <are the payments about on schedule? What is the current Cannual rate of interest being charged on this loan?

14.

I

I

I.1

I

I %

-_

-_

I

I

I.1

I

I %

GO TO Q.lS

GO TO Q.15

GO TO Q.lS

EXTRA LOAN PAGE l-

LOAN #4 15. Please look at the Institutions Card. Is this loan with any of the institutions on the Institutions Card, or from someplace else? (IF Ih’ STITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIIZWERz CHECK INSTITUTIONS CARD AND UPDATE LFANEW INSTITLITION IS MENTIONED AT THIS POINT.) How much is still owed on this loan? INST.#l . ..__....... 01 INST. #2 _. 02 INST.#3 . . ..__....11 03 INST.#M . ..___...... 04 INST.#5 . . . . . . . . 05 INST. #6 . . . 06 COMM. BANK. _. 11 S&&‘ SAV BANK . . 12 CREDITUNION __ 13 FINLOANCO . . . . . . . . 14 16 BROKERAGE __ OTHER (SPECIFY)&

LOAN #5 INST.#l INST. #2 : INST.#3 _. INST. #4 INST. #5 INST. #6 COMM. BANK S&L/SAV BANK CREDIT UNION FIN LOAN CO BROKERAGE OTHER (SPECIFY)L. 01 02 03 04 05 06 11 12 13 14 16

LOAN #6 INST.#l . . . . . . . . INST. #2 . _ INST.#3 . . . . . . . . INST. #4 , INST. #5 . . . . . . . lNST.#6 . . . . . . COMM. BANK.. S&L/sAV BANK CREDITUNION...... FINLOANCO ..,._.. BROKERAGE .. . OTHER (SPECIFY). . . L . . . 02 . . . 03 . @I 05 . . . 06 ._ 11 . . 12 13 14 . 16

II

x3946

Y7969
X4208 $LI_I,LI_LI.l_l_i_I x7470
1 I) 2 (GO TO SECTION I)

xq207 $I_l_l,l_l_l_l,l_l_l_I

16.

uw7

17.

INTERVIEWER: IS THERE ANOTHER LOAN?

YES. . .@EASK Q3-II, COL. #5) I NO. _ (GO TO SBCTION

YES. . . 1 I) 2 NO.

.(REASK Q3-17, COL.#6) (GO To SECTION

HDW nut&

In

+2&x1 oud is

a-3

all nr&nhq l@QnS?

H-62

SECTION I: OTHER LOANS
1. Not counting credit cards or loans you may have told me about in detail, do you (and your family living here) owe any money or have any loans: (SHOW CARD 4)

credi+ cards ;I, &
/banJ 1.1. +be

or loan5

ya

have

+dd

w

ym o@k 4~ money 8~ hove any any r~a)sn on tiis ud? 15ye+ NO YES 5:lvo
fwnihtre, or hobby or 2 2 2 1+ l-1 l-1

many

such loans do you have?

fOr household appliances, recreational equipmet,t? for medical bills? from friends or relatives?

1.2. 1.3. 1.4.

any other loans? @F R ASKS: INCLUDE ;&KING ACCOUNT OVERDRAFTS. Do NOT INCLUDE LIFE INS. POLICY LOANS.) 3 IMI\y such # OF LOANS .(GO TO 4.4) I+-w ONE

3.

INTERVIEWER:

IOWU &

~0;

i-&i

@

09 :q&k_l

(SKIP TO 4.16, PAGE I-68)

W-1

LOAN #2 4. what was (this/the largest/the next) loan for? I” what month and year was this loan taken out? How much was borrowed or fmanced, m 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?
Q.10)

X2323 X~‘ LzI3LI IL!L?aO
MONTH YEAR $I
I.1 I I

5.

6.

I,l_l_l__l

x273
Regular Installment. .(GO TO 4.8) To Q.10) 1 2 Regular Installment.

1
1 2 Regular Installment

x28N
.(GO TO Q.8) TO Q.10) . . 1 2

7.

.(GO TO 4.8) TO Q.10)

Other KindfSKIP s

Other Kind.(SKIP

Other Kind(SKIP DopET XZ81s-

x2715

DBIpTx2332
m
(SKIP

TO

Q.10)

8.

Knew...(SKIp~0~.10)

.8

8.

&afil#

YEARS, OR

.?I65 -.(SKIP ‘ Q.10) TO W D@l-W.(SKIP

‘ Q.10,

.:f

83C?

TO Q.10) p&

GO TO Q.9

GO TO Q.9

GO TO Q.9

I-63

LOAN #I 9. How much are the o.w.U& payments?

LOAN #2 e_lxg2zz_l

NONE

-w

.,

. . . . 999998

.:! SK98W

NONE

NOREGPAY...:2499996 (GO TO Q.lO)

Quarter ......_ S&3
Year.. .... Other (SPECIFY) -76 (SKIP TO 4.12.1) 10. What is the typical payment and how often i! it made?

.@a

?) OBeeee -... 9!99998 NOREGPAY. .‘ .2999!9%5 (GO TO Q. 10) Week t@ Month f%2.b. !b2 Quarter .SM Year .* 94 Other (SPECIFY) -985 (SKIP TO 4.12.1)

TjEjEYJ - ::..
pp944t NOREGPAY ..?&9995?F (GO TO 0.10)

week .:.

.:. :. .2&i
.y W .Z (w k @I -3 85

Month x?i?s. Quarter . . _ . . . . Year . . . . . . . , Other (SPECIFY) (SKIP TO 0.12.1)

NONE t . . . . . .?. @t%tX%i DQm%New . . ..%3!?998 NO TYPICAL PAY . . . . . . . . .-2.4999996 Week .12.?to. . . .?jH’ Month . . . . . . . . . . . ..yQE Quarter.. . . , . . ?TH Year . . . . . . . . . . . . . . .c?gr Other (SPECIFY) -3 &

NOM?

??. &MiMtMO

NO TYPICAL PAY..

.

..m

-w

NONE .......?I eeeeeea
9+99% .:ZnnnnnaL

.:299999%

NO TYPICAL PAY..

Week fi?!-? 3 7. .$.J+l Month . .g. pZ Quarter . .61 ti Year. . k 84 Other (SPECIFY) -7 ti l_l_l MONTH _w27w l-11 YEAR F3Z

Week ..E.z$&!?. .&!J4 Month . . . . . . tl pa Quarter . . . . . ;5: .8 Year.. . . . .6. ez Other (SPECIPY) ‘ 165 I Moxtgzt I I1 I I

11.

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

-w
12. How much is still owed on this loan? $I

X23tl
II

?_i_._l MONTH

I_,_I_I YEAR

y2722 . . . . . . 9898

-

~~22 . . . ...989?

l”f’ lTS
I

I

’ (SKIP TO b.13) 12.1. Is this loan being paid off ahead of schedule, behind schedule, or are the payments about on schedule? 13. What is the current annual rate of interest being charged on this
lOFill?

X2gt3 $_1*?_I_~_l,H___I fSKlP To 0.13)
On schedule Ahead of s%%?. . 1 . 2 3 Behind schedule On schedttle .......... ...... . .
1

On schedule

.

, .

. .. 1

Aheadof&zl%?!.....2 Behind schedule __ . . . . _3

2 3

Behind schedule.

y 2324 t
I I.1 I I% I

X274
I l.l I

1
I%

%t8Z4 L.-L-I.1-L-~~
GO TO 4.14 LOAN #3

GO TO Q.14 LOAN #l

GO TO 4.14 LOAN #2

1-64

I
LOAN #I 14. Please look at the hIStiNtiOnS Card. Is this loan with any of the institutions on the Institutions Card. or from someplace else? (IF INSTITIJTlONS CARD: Which
institution?) (IF

LOAN #2 01 02 03 04 05 06 11 12 13 14 16 07 INST. #1 ............ INST. #2 ............ INST. #3 ............ INST. #4 ............ INST. #5 ..... :. ..... INST.#6 ............ COMM.BANK ........ S&L/SAV BANK ...... CREDIT UNION ....... FINLOANCO ........ BROKERAGE. ........ OTHER (SPECIFY) -_07 01 02 03 04 05 06 11 12 13 14 16

LOAN #3 INST.#l ............ INST. #2 ............ INST. #3 ............ INST. #M ............ INST. #S ............ INST.% ............ COMM. BANK ........ S&L,‘ SAV BANK ...... CREDIT UNION ....... FINLOANCO ........ BROKERAGE. ........ OTHER (SPECIFY)_____ . 01 02 03 04 OS 06 11 12 13 14 16 07

SOMEPLACE ELSE: What type of
is that?)

i&iNtiOn

(INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IFANEW INSTITUTION IS MENTIONED AT THIS POINT.) 15. INTERVIEWER: IS THERE ANOTHER LOAN?

INST. #l ............. INST. #2 ............. INST. #3 ............. INST. #4 ............. INST. #5 ............. INST.+% ............. coh4M. BANK ......... S&uSAV BANK ....... CREDIT UNION ........ FINLOANCO ......... BROKERAGE. ......... OTHER (SPECIFY) . rs

-

Id-

YES ...

.(RJ3ASK 44-15, COL. #2 .......

1

YES. .. .f.REASK Q4-15, COL. #3 ......

1

YES. .. .(GO TO EXTRA LOAN PAGE, COL.#4) ...... NO. .. (GO TO 4.16, PAGE I-68) .....

1

NO. .. (GO TO 4.16, PAGBI-68) ......

.

NO. .. (GO TO Q.16. PAGE I-68) .....

2

2

I-65

EXTRA LOAN PAGE

LOAN #4 4. What was (this/the largest/the next) loan for? In what month and yea was this loan mken out: How much was borrowed or fmanced, not counting the tinanc< charges? Is this a regular installment loan where you pay a fured 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?

LOAN #5

LOAN #6

x2g.z 7

5.

6.

X2$3\
%__I I_l_l_l,LI_~_l
9

XZw/
x.J.l_l_l_l,l I I I 1 2 Regular Installment .(GO TO 4.8) Q.10) 1 2 Regular Installment. .(GO TO 0.8) . I ,

7.

Regular Installment. Ot&?&%%O

.(GO TO Q-8) Q.lO)

Other K@S%%

=.

. (SKIP TO Q.lO).+

=

(SKIP TO Q.lO)&

ICWBWT. (SKIP

TO Q.10) .A )_

8.

# mts!iYEARS,
Ix-1

OR I-f& # PAY MFNl3

bti&
Un& to dtik

YEARS. OR

unable

+o utkuJ~k-~--7
fJ.% TO 9.10) .A8

# PAYMENTS

. .. .q
.:I. Sa TO . ..BB IJWWfMN.(SKIP 0.10) Q.10) TO .a

NOSET#....fSKIPTO Q.10) -W.(SKIP

NOSET#....(SKIPTO Q.10) w.(SKIP 0.10)

.rl ?

9.

How much are the monthly payments? NONE . . .._....

$I I I.1 I I
m
NOREGPAY...t&m Week ~~%%?“), Month ........... .&JX .Y

I t3@380 99998

X2935 rst___u I

I

I

.

71 @WXt
49998

NONE .?/. BW %OREGPAY...‘ 2.99!7%

.?.lB Quarter ...........
Year..............G
Other (SPECIFY) -*r-e (SKIP TO Q.12.1)

.ar

Month

.Y.-C3-f

.lN

..5. @f Year .(r.. t?3 3ther (SPECIFY) -‘ ) 03 (SKIP TO Q.12.1)

?uarter

NONE .. . .?.I. d38tHl 99990 NOREGPAY....?.%59?6 (GO To Q.10, Week .x%.t.z,. . .F.,@i Month . .4!. 8? Quarter.. . . .s: 03

Year ....

.Ir

so

Other (SPECIFY) -7aj (SKIP TO 0.12.1)

I-66

EXTRA

LOAN PAGE

LOAN #4 .n What is the. typical payment and how often is SI-l.I_xI~~I_I_l NONE . . . wwPI@ew NO TYPICAL PAY.. . ..d.JUW& . . 9999998 .~.&.999!?96

LOAN #5 %I_l.l_xaslJ_4tl_I NONE ..?l.&&Y?%QO ww ,.,999999x NO TYPICAL PAY .?F. .&O&U Week x?.q.?e Month . ..__. Quarter Year Other (SPECIFY) .?. Pr 3.Z ,!?. 48 Ir.6 -3 tl?

LOAN #6 %I_l.l_&z~&&__l NONE .:I eeeeeo0 ww.. 99wQQ8 NO TYPICAL PAY.. . . _ .‘ t#99996 Week i?3?3?. t: &Il Month ._........ Y..@Z Quarter . . . . . . .s. p3 Year . . . . . . . . . . . . .cr. @f Other(SPECIFY) -7e5

it made?

Week .?z 8;1!? t pU Month I........... g! Quarter . , . . . . , , . r& Year . . . . . . . . . . . . . (rfi -lsf Other (SPECIFY) 11. In what month and year do you expect this loan to be repaid?

aaim?
MONTH wN?xNQw

dfaw
YEAR . ..I. +89l3 m

xe?a
MONTH

c!!mivz
YEAR . . . ?w8

xyg
DowIwIww

l!J&“9
. . . . ..&ui

12.

How much is still owed on thii loan? Is this loan beine.
paid off ahead of schedule, behind schedule, or are the payments about on schedule? What is the cwent annual rate of interest being charged on this
lOiUl?

KZSYO si_l,r_Il_I,I_l_I_I (SKIP To 4.13) Gn schedule AheaddIZ!J8 Behind schedule..

$I

II ??<;3, - (SKIP To ‘ 4.13) . .

I

I

$l_~I~*q40 . -_~_J_lJi_~_~ (SKIP TO 4.13) On schedule .. . _ _. 1 2 ?

12.1.

.... ....
e .

.. 1

On schedule
113513 Ahead of schedule Behind schedule..

I 2 3

.. .. 2 . 3

Ahead of schedule Behind schedule.

K7SlG

x a+1

YZ+~

AZ941
I%
01 . . 02 03 04 . . 05 . 06 _. 11 12 13 . 14m 16 l I I.1 I I% INST.#f . . . . . . . INST.#2 . .._...,.., INST.#3 _. . . INST.#4 .._....____ INST.#5 . . . . . . . INST.&5 . . . . COMh4.BANK _. S&L/SAV BANK CREDITUNION FINLOANCO BROKERAGE . OTHER (SPECIFY):_ #Cd? itit. . . . . 01 02 _, 03 04 . . . . 05 .._. M 11 . . . 12 . _ 13 . . . 14 It - 01 tiS+

I I I.l I 1%
INST.#l . . . . . . . . .._. lNST.sT.2 . ..__....... INST. #3 . . _ . . . . _ INST.#4 . .._......t. lNST.#5 . .._..... (.. INST.++6 . . . . . . . . . . . COMM. BANK . . . . , . S&L/SAV BANK CREDIT UNION . . FINLOANCO . . . . . . . BROKERAGE . . . . OTHER (SPECIFY):‘ 07 *C ilut. !i!8# 01 02 03 04 05 . 06 11 _ 12 13 . 14 . 16

I-- I I.1 I --

14. Please look at the
Institutions Card. Is this loan with any of the institutions on the Institutions Card, or from someplace else? (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: what type of institution is dlat?) (INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IFANEW INSTITUTION IS MENTIONED AT THlS POINT.)

lNST.#l . . .._...... INST.#2 . . . . . . . . . lNST.#3 INST.#4 .,....._,.. INST.#5 . . . . .. . . . INST.#6 . . . . . . . . . COMM. BANK S&L/SAV BANK CREDITUNION FTNLOANCO . . BROKERAGE OTHER (SPECIFY): ‘ 07 1 (cc In4+ r+9t

2844 4 X9110*$-y)* I.
x

&29= xsitr
YES.. 1 NO.. .(REASK Q4-15, COL. #6 .(GO TO Q.16) 1 2

x z9qt x9112
(GO TO Q.16)

15. INTERVIEWER:
IS THERE LOAN? ANOTHER

YES.

.(REASK Q4-15, COL. #5)

NO.

.(GO TO Q.16) . . . 2

l-61

$-

G7.5

16. INTERVIEWER:

st recently, what was the main reason

ces, because they had tbe best interest were recommended by someone else,

Other (SPECIFY)

office where the application was ASKS: WE WANT THE

19. Now thinking of all the various loan payments you made during the u, were all the payments made. the way they were scheduled, or were payments on any of the loans sometimes made later or missed? Allpaidasscheduled . ..(SKIPTOSECTIONJ) Sometimes got behind or missed payments (GO TO 4.19.1) 19.1. Were you ever behind in your payments by two months or more? Yes . . . . . . . . . . . . . . . .., .. ..... ..... ..... .... .. 1 ._..._..._ 1
25

rws

No

. . . . . . . . . . . . . . .._...__.._...

ZS

I-68

I
SECTION J: SAVINGS ATTITUDES
1.

Now I’ lie to ask a few questions about your (family’ savings. People have different reasons for saving. What are you d s) (family’ most important reasons for saving? s)

xscod

Km07

\1(7s/3

- )(7s75

2.

Are there any foreseeable major fmancial obligations that you (and your family) expect will have to be met in the future, such as educational expenses, health czue costs, and so forth? (IF R ASKS, THE FUTURE MEANS THE NEXT FIVE TO TEN YEARS.)

x 3010
2.1.

Yes ................ No ................

(GO TO 4.2.1) ................ ................. (GOTOQ.3)

1 Rg

(SHOW CARD 6) What kinds of obligations are these? (CODE ALL THAT APPLY.) R’ children s Education: Others Health Care: Self/Spouse Health Care: Others Other (SPECIFY): qcc n.u+IT))cc+ 01 02 03 -r

y301l -X301$ ducation:
x7572 x

7n/

04

X 6667

2.2
3.

x7186

AC% yursc*v;yG&stcxpn~nau?

&

(SHOW CARD 7) In deciding how much of their (family) income to spend or we, people are likely to think about different financial planning periods. In planning your (family’ saving and spending, which of the time periods listed on s) this page is most imwrtant to you (and your Ihusband/wife/patmerl)? Next few months
Next year........................................ 1

Next few years Next 5 - 10 years Longer than 10 years

,

2 3 4 5

_/$%G....~

J-69

What are your family's most important reasons for saving? Children's education; education of grandchildren own education; spouse's education; education -- NA for whom -- NFS; "to help the kids out"; estate "For the children/family" Buying own house (code summer cotage in 12) Purchase of cottage or second home for own use Buy a car, boat or other vehicle Home improvementS!repairS TO travel; take vacations; take other time off Buy durable household goods, appliances, home furnishings; hobby items; for other purchases not codeable above or not further specifiec; "buy things when we need/want them"; moving/special occasions 17 Burial/funeral expenses Charitable or religious contributions 18 Buying (investing in1 own business/farm; equipment for businessifarm 21 22 Retirement/old age Reserves in case of UnemplOyment 23 24 1n case of illness; medical/dental expenses Emergencies; "rainy days"; other unexpected needs; for 25 "security" and independence Investments reasons (to get interest, to be diversified, 26 to buy other forms of assets) To meet contractual commitments (debt repayment, insurance, 27 taxes, etc.) to pay off house "To get ahead;" for the future; to advance standard of living 28 Ordinary living expenses/bills 29 N *30 Multiple Reasons *****31 No reason (except 90, 91, 92) Had extra income; saved becaused had the money left over -90 no other purpose specified Wise/prudent thing to do; good discipline to save; habit 91 Liquidity: to have cash available/on hand 92 1 Don't/can't save; "have no money" 96 7 Other 91 D Don't know 98 --> .N NA 99 01 02 03 11 12 13 14 15 16 What kind of obligations 01 02 03 04 05 11 12 13 14 21 22 23 24 25 26 31 *****32 *****33 *****34 41 97 98 99 are there?

R's children (incl. step and adopted); grandkids Education: Education: Others (incl. R & spouse) Health care: Self/spouse Health care: others iincl. elderly parents/disabled child) Health care/medical expenses -- NA for whom General support for R/spouse in Retirement or old age General support for (disabled) child/grandchild: General support for parents General support for others or NA for whom Home purchase (incl. vacation home) Purchase of car or other large durable goods Burial expenses Taxes Home repairs/improvements Weddings, vacations, moving and other special expenditures Business/investment: start/expand own business Divorce, legal expenses Investment, major purchase Charitable expense Bills/living expenses --NFS -, -7 Other m-'- .D Don't know NA N r-G9.5

5.

(SHOW CARD 8) Which of the sratements on this page comes closest to the amount of fmancial fisk that you (and your [husband/wife/partner]) are willing to take when you save or make investments? (READ ANSWERS ONLY IF NECESSARY) Take substantii financial risks expecting to earn substantial retoms Take above average financial risks expecting to earn above average nams Take average fmancial risks expecting , to earn average rehuns Not willing to tie any financial risks

%

3014

. ..

1

2

3 4

6.

(SHOW CARD 9) Which of the following statements on this page comes closest to describing your (and your [husband’ s/wife’ s/pe~s]) saving habits? (CODE MORE THAN ONE ONLY IF NECESSARY.) (READ ANSWERS ONLY IF NECESSARY) Don’ save -- usuallv so-end more than income t

)(30)5X3020

..

1 2

Don’ save -- usually spend about as much as income t Save whatever is left over at the end of the month--no regular plan Save income of one family member, spend the other Spend regular income, save other income Save regularly by putting money aside each month

3 4 5 6

(SHOW CARD 10) How would you rate the retirement income you (expect to) receive from Social Security and job pensions?

lnadequ&e

Maintain Living Standards

Satisfa&y

8.

(SHOW CARD 11) When making & decisions about borrowing and saving, some people shop around for the very best terms while others don’ Where would your family be on the scale? t.

No Shopping

Of Shopping

J-70

9.

Over the past year, would you say that (your/your family’ spending exceeded (your/your family’ s) s) income, that it was about the same as your income, 01 that you spent less than your income? (Spending should not include any investments you have made.) Spending exceeded income Spending equalled income spending was less than mcome (GO TO Q.9.1) (SKIP TO 4.9.4) (SKIP TO SECTION N) 1 2 3

)(75-/O
9.1.

Did any of that spending include purchases of a home or automobile or spending for any investments? Yes No . . . . _. (GOTOQ.9.2) (SKIPTOQ.9.3) _. .._... 1 +.?

0509 9.2.

...... .....

. . .._.

Including only monthly payments on your house or car and leaving aside any spending on investments, over the past year, would you say that (your/your family’ spending exceeded (your/your family’ s) s) income. that it was about the same as your income, or that you spent less than your income? Spending exceeded income Spending equalled income spending was less than mcome (GO TO 4.9.3) (GO TO SECITON IV) (GO TO SECITON N) 1 2 3

x7m
9.3.

To make up the difference, did you borrow additional money, did you spend out of savings or investments, or did you do something else? Borrowedmoney . . . . . . .._................._...._......... , Spent out of savings/investments Other (SPECIFY) N&&A. (SKIP TO SECTION N) 1 2

f7507
9.4.

.

7x

Did any of that spending include purchases of a home or automobile or spending for any investments? Yes __...._...._...._...__.,......_...._........__..._ No ._,..._...__,..._...._..._....__.....,.__...._...._ 1 2

J-71

When expenses exceeded income, what was done to make up the difference?
1

2 3 4 5 6 98

Borrowed money Spent out of Savings/Investments Got behind on payments; didn't pay bills Help from others (Possible respondent error #l) Cut bock on expenses (Possible respondent error #2) Got additional income

---,

.D

I
SECTION N: FINANCIAL ASSETS

1.

Now I’ lie to ask about different types of assets that you might have. First, do you (or anyone in your family living d here) have any checking accounts?

yes ..............

(SKIPTOQ.3) No. .............. (GOTOQ.2)

................ 1 .+-$ .................

2.

Have you (or anyone in your family living here) ever had a checking account?

ac3-t
2.1.

Yes . . . . .._......._....__.........__..._...... 1 No .... ...... ..... ..... ....... ..... .... ..... ..%~

(SHOW CARD 12) Looking at this list, please tell me which is the ~ doesn’ have a checking account. t)
Don’ t

important reason (you don’ t/your family

x3503

writeenough checks to make it worthwhile, _......., ._ _.. Minimum balance is too high Do not like dealing with banks Service. charges are too high No bankhas convenient hours or location Other (SPECIFY)

__. . . . . . . . . .

01 02 03 04 05 M-7

Ckckbcok ha~bccn/coutd /os+s/d~h.~. bc IL

N-73

3.

How many checking accounts do you (and your family living here) have? UF R ASKS: INCLUDE MONEY MARKET ACCOUNTS ONLY IF THEY ARE USED AS CHECKING ACCOUNTS)

X’ ~$$,,f$
X
!
1.

l_l_l_l

# ACCOUNTS
ACCOUNT #1 01 M 03 04 05 06 11 12 13 16 07 ACCOUNT #2 INST. #l .......... INST. #2 ............. INST. #3 ............. INST. #4 ............. INST. #S ............. INST. #6 ............. COMhtBANK.. ....... S&L/SAV BANK ....... CKEDIT UNlON ........ BROKERAGE .......... OTHEK (SPECIFY) ; .. 01 02 03 W 05 06 11 12 13 16 07 ACCOUNT #3 01 02 03 04 05 “6 ,I 12 13 I6 07 .

Please look at the Institutions Card. (Thinking ahout your main checking account. the one used to write most of your chrcks. / Ahout the next accoount) IS th,n account with any of the institutions on the Institutions Card, or from someplace else? (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution IS that?) (INTERVIEWEK: CHECK THE INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) How much is in this account? (What was the average over the last month?) Is this a money marker-

INST. INST. INST. INST. INST. INST.

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

COMMRANK
SBILISAV BANK CREDIT UNION BROKERAGE. OTHER (SPECIFY)

_,__=

NST. #l ............ NST. #2 ............. NST. #3 ............. NST.#kl ............. NST. #5 ............. NST. #h ............. 30MMRANK ......... ;&L/SAV BANK ..... ZREDIT UNION ........ 3RDKERAGE .......... XHEK (SPECIFY) ; srci&_i&

x

3505

x 35M !Pll,J

x911

3 cd. ,A -+Yf=
I %I

i.

%3SO(r $l_l.l_l_l_l,i I I

x3510
I.1

I

I

I.1

I

I

I

ii x3 614 _I,l_l_I_I.l_I_I_I

i.
5.1

type account?
CHECKPOINT: LOOK AT THE HHL (PAGE HHL-1) IS K MARRIED OR LIVING WITH A PARTNER? Is ths a joint account with your (hushand/ wife/partner). is the account in your name. your (hushand’ siwife’ si partner’ name. or s) somethng else? INTERVIEWER: IS THERE ANOTHER ACCOUNT?

;t;:.::?!?!???::::5~ YES. NO .(GO TO Q.6.2) .fSKIP TO Q.7) 1 2 YES. NO. .(GCl TO 4.6.2) .(SKIF TO Q.7) 1 2 (ES. 40 .(GO TO Q.6.2) .(SIUP M Q.7) I 2

j.2

lOinI aox”“f K’ account .x !?&k s S’ accO”“* s Other (SPECIFY)

t

01 02 03 -7 04

Joint account R’ acEOU”f .r s S’ accO”“t s Other (SPECIFY) b+hef kti~ a YES.

%?63.
-3

01 02 03

i’ *cco”“t s lther (SPECIFY)

.tl3 7 c4

04 .ti 1 2 u’ 0. $cr IES. ;b;nt &J. list_

5ce YES.

.a,at

aru.

/i& 1 2 NO.

1.

.(REASK Q.4.7 COL. #2) .(GO TO Q.9) remaining checking l_l_l_l_l_l

.(KEASK Q.4.7 COL. #3) .(GO TO 0.9)

.(REASK 0.4-7 COL. #4) .(GO TO Q.U)

1 2

NO. 8. x How much is in all your (family’ s)

accounts?

(What was the average over the last month’ !)

3s29 X+/‘ /6

$1 I I I.1 I -+y‘ )o

ACCOUNT INST. #l ............. LNNST. #2 ............. INST. #3 ...... ...... INST. #4 ............. INST. #5 ........... INST. #6 ........... COMM. BANK ...... S&L/SAV RANK ....... CREDIT LJNIGN ........ BROKERAGE .......... OTHER (SPECIFY)-

#4
01

ACCOUNT INST. #1 ............. INST. #2 ............. INST. #3 ............. INST. #4 ............. INST. #5 ............. INST. #6 ............. COMM. BANK ......... S&L/SAV BANK ....... CREDIT UNION ........ BROKERAGE .......... OTHER (SPECIFYp

#5 01 02 03 M 05
06

ACCOUNT

#6 “1 “2 (13 (4 05 Oh II I2 13 16 07

..

-

02 03 04 OS 06 11 12 13 I6 07

-

11 12 13 16 07

INST. #l ....... ............. INST. #2 ........ ........ INST. #3 ................. INST. #4 ..................... INST. #S ..................... INST. #6 ..................... COMM. RANK ............. S&L/SAV BANK ............... CREDIT UNION ............ BROKERAGE. ................. OTHER (SPECIFY)

... ...

... ... -

$1__1.1_1_1 I I,I

x3=2

x3526
I I %l_l,l I I I.1 I I I

Yes
No.. .......

.x.3s
...

2.17.
.............

........ g.2

I

YES.
NO

.(GO TO 0.6.2) .(SKIP TO Q.7)
..,

1 2

YES. .. .(GO TO Q.6.2) NO ...

...........

1 2

YES. .. (GO TO Q.6.2) NO ... .(SKIP TO 0.7)

........... ............

, 2

.(SKIP TO Q.7) ............

ks~~~~~‘ ,:::~?r;o:7::::::: .:::x12dzI~:::::: O1~~~~~“~‘ 02
S’ account s Other (SPECIFY) 03 - ‘ ) S’ account s Other (SPECIFY)

O1 02 03 -3

kS:“:c:z:t : : x nlp:T S’ acCO”“l s Other (SPECIFY)

I : : : : : : : :; 03

-7
04

a4
list
YES. (REASK 0.4-7 COL. #5) (GO TO 0.9) 1 2 NO.. 4lv YES. . ,lS in+ de_+. 1s

04
. ,- >a,nt a&t J YES.. .(GOTOQ.S) 1 2 NO.. 1,s

.(REASK Q.4.7 COL. #6) (GOTOQ.9).

I

NO.

.(GOTOQ.Y)

2

9.

(SHOW

CARD

13) Which of the reasons on this card is the most imnortant reason (you/your family living here:) chose

the institution that you did for your p&~ checking account? Was it becausr of the location of their offices. because they had the lowest fees or minimum balance requirement, because you were able to obtain many services at one olace, because they offered snfety <and<anabsence of risk, or some other reason’ ! Location of offices Lowfees __..,......_....__.__._,.....__...... Many services in one place safety........................................ycg Other (SPECIFY)

Au3
las7 67 b

For how many years (have you/has someone in your family living here) done business with this institution? l-l-1 # YEARS . . . . . . . . . . . . . . . . . . . . . ..?!4l@

LESSTHANONEYEAR

lo.

D o you (or anyone in your family here) have any Individual Retirement Accounts, that is, IRA or Keogh accounts’ ! Yes No . . . . . . . . . . (GOTOQ.lO.l) (SKIP TO Q.16) . . . . . . . .._ 1

.25

I
10.1 Who has IRA or Keoogh accounts:’ [CHECK THE BOX NEXT TO THE PERSON(S) (RESPONDENT, SPOUSE. OR OTHERS) WHO HAVE m ASK FOLLOW-UP QUESTIONS 011 - Q14 FOR EACH PERSON.1 ACCOUNT(S). PERSON _________> RESPONDENT SPOUSE x.%lt12 # ACCTS t if i_l_l ACCOUNTS 0 # ACCTS OTHER PERSONS

lr 11 How many IRA and Keogh acco”“ts [do you/does (PERSON)] have’ ! About (PERSON’ S) “ccoun~~ (are these/is this %I) IRA or Keogh account(s)? (CODE ALL THAT APPLY.)

3hYp
l_l_._l

x3t22u IL_._l_l# ACCTS

x3b03

3G13
y
3

X342 IRA . ..x.z&!d
KEOGH

3 .. A

12

lRA .X3wi.
KEOGH .7t,3(r.?c

.x.&s...@

13, Please look at the 1”StiNtiO”s Card. (Is this/Are they) with any of the institutions on the Institutions Card, or from someplace else’ ! (CODE ALL THAT APPLY.) (IIF INSTITUTIONS CARD: Which institution(s)‘ !) (IF SOMEPLACE ELSE: What type(s) of institution(s)? (INTERVIEWER: CHECK INSTlTUTlONS CARD AND UPDATE IFANEW lNSTlTUTlON IS b&S *i MENT1oNED.) -we 14. How much in total is in (PERSON’ S) account(s)? 14. I INTERVIEWER: IS THERE ANOTHER HOUSEHOLD MEMBER WITH AN ACCOUNT?

INST. #I ~ . lNST. #2 INST. #3 . . INST. #4 INST. #5 INST. #6 COMM. BANK . . . . , S&WSAV BANK CREDIT UNION FINLOANCO BROKERAGE OTHER (SPECIi=Y)z

01 02 03 04 OS 06 11 12 13 14 16 07

INST. #I 01 INST. #2 02 INST. #3 03 INST. #4 04 INST. #S . OS INST. #6 06 COMM.BANK _. _, 11 S&L/SAV BANK 12 CREDITUNION .__._. 13 FIN LOAN CO 14 BROKERAGE. 16 OTHER (SPECIFY)__ - 07 I&f

INST. #I INST.!+2 _. _. INST.++3 _.....,..._ t INST. #4 INST. #5 . INST. #6 COMM.BANK S&LJSAV BANK CREDITUNION...... FINLOANCO .,..... BROKERAGE OTHER (SPECIFY)-

01 02 03 04 OS M __, 11 12 13 14 16 -07

xw-

x3409

X3Wb -x3ff19
x392, xw?2 2 et, XYIZY, Y?/2s; W26, X9210,422Y

x3mbx31rz9 x7sD3
m3/2>, 1(9/30,
$l_l,l_l_l_l,l

W/28, x42 II
I

xv/2

if3crw
$l_l.l I I I.1 I I I

X3&30
I I

YES.

.@EASK Q.1 l-14.1 COL.#Z) .(GO TO 4.15)

YES. 1 2 NO..

.@EASK 0.11.14.1 COL. #3) .(GO TO Q.15)

1 2

GO TO Q.15

NO.

IS. How is the money in (this/all of your [family’ s]) lRA and Kogh account(s) invested? bank i~ccounts, most of it in stocks, most of it in bonds or similar assets. or what? CD’ s/Bank accounts Stock . . . . .._............................ Bonds/Similar awls Other (SPECIFY): DON’ KNOW . . . . . . . . . . . . . . . . T see ne)tf _,

Is most of it in CDs or other

..__

. .

.

01 02 03 -?+I+ ., .., OX

sheet +63pJ-77

I
Reason for not having a checking account
01

02 03 04 05 95 96 97 98 99 12 13 14 15 21 20

Don't write enough checks to make it worthwhile Minimum balance is too high DO not like to deal with banks Services charges are too high No bank has convenient hours or location Don't have [enough) money can't manage/balance a checking account 7 other > .D Don't know N NA checkbook has been/could be lost/stolen haven't gotten around to it R has alternative source of checking services EMMA, MIA, etc) (does not include individuals who write checks for R) R not allowed to have account (e.g., asset test for welfare) Credit problems; bankruptcy; R does not meet depository's qualifications for having an account R does not need/want a checking account (NEC) for main checking account

Why you chose instituion
01

a2 03 04 06 07 08 09 10 11 12 97 98 99

3 Location of offices I LOW fees or service charge > 6 Many services in one place 8 Safety >I Recommended ---. 2 High interest rates 4 Other business done here Easy to qualify (for credit); only place that would give us a loan --i 5 9 Other convenience mentions/payroll deduction Personal relationship; they know me; R/spouse works there; small institution Staff qualifications / Other D Don't know N NA Bank bought by another institution Always done business there; banked there a long time Advertisement Convenient hours No particular reason No other institutions Gift for opening account: other promotion Interest rates on deposits Reputation Unable to open an account at another instituions Dissatisfaction with previous institution

'**'13. ****14. ****23. ****24. ****25. "**"26. ****27. "***28. ****29. ****30. ****31.

How is the money in IRA and Keogh account invested?
01

02 03 04 05 06 07 08 09 11 12 13 14 15 16

CDs/Bank accounts; "money market" Stock; "mutal funds" Bonds/similar assets' T-Bills; treasury notes Combinations of 1, 2, 3 ; "mixed"/"diversified" -~ NFS Combiantion of 2 & 3 above Combination of 1 & 2 above Other (incl. combinations of ext. 5 & 6 above) Don't know NA Universal life policy or other similar insurance product Annuity Commodities Real estate/mortgages Limited partnership/other similar investment Brokerage account/cash management account ICMAj

7

D N

N-77.5

16.

Not including ‘ any accounts I have already market accouns’ ?

recorded,

do you (or anyone ............... ...............

in your family here) have any money 1 ~2s

x 16.1.

374
Altogether.

Yes .............. No ...............

(GOTOQ.16.1) (SKIP TO 4.22)

how many money market accountF do you (and your family living here) have? MONEY MARKET
ACCOUNT

I OF #

ACCOUNTS
#I ACCOUNT #2 ACCOUNT #3

17. Does the (I<ugest/next) l~cowt have chwkwntmg privileges?

Yes
No

.
.!.??f!. . .%d

I

Yes

.

1 ??! .$S

Yes

.

.. .. ..

..

..

I

No

,!?,

No _.

.!??!3..x2
1

18. Is this a tax-free money market account’ ?

Yes

1

Yes No .!,??!??. x2

1

Yes
No

No .

..!!~???...5..

..?~?,!ft.,s/
01 02 03 04 OS 06 II 12 13 14 I6

19. Please look at the Institutions Card. Is this acc”unt with any of the institutions on the Institutions Card, or from someplace else? (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IFANEW INSTITUTION IS MENTIONED.) 20. How much is in this account? 20.1 CKECKPOINT: LOOK AT THE HHL (PAGE HHL-1) IS R MARRIED OR LIVING WITH A PARTNER’ ? 20.2 Is this a joint account with your (husband/ wife/partner), is the account in your name, your husband’ slwife’ sl palmer’ s) name, or something else?
21.

INST. #l _. 01 INST. #2 02 INST. #3 03 INST.+% . . . . . . . 04 INST. #S OS INST. #6 . . 06 COMM. BANK __ _. 11 S&L/SAV BANK 12 CREDITUNION...... FINLOANCO .t.._.. 14 BROKERAGE . 16 OTHER: (SPECIFY):07

INST. #I INST. #2 INST. #3 INST. #4 INST. #5 INST. #6 COMM. BANK _, S&L/SAV BANK CREDITUNION...... FIN LOAN CO BROKERAGE OTHER: (SPECIFY)-07

01 02 03 .@4 OS 06 11 12 13 14 16

INST.#l INST. #2 INST. #3 INST. #4 INST. #5 INST.#6 _. COMM. BANK S&L/SAVBANK CREDITUNION..... FIN LOAN CO BROKERAGE OTHER: (SPECIFY’ 0

x3705

x3310
X9132 %I I.1 I 1 ?f,I'lI I
1
i

m_1I.1I I l.l_l_l_
YES. . .(GO TO 4.20.2) NO. . .(SKIP TO Q.21)

J331b
Fl_l_l.i_l_I_1.I_I_I_I

YES. NO..

.(GO TO 0.20.2) .(SKIP TO 4.21)

I 2

YES. NO

.(GO TO 9.20.2) .(SKIP TO 4.21)

I 2

Joint account

01

INTERVIEWER: IS THERE ANOTHER ACCOUNT!

YES..
NO.

.(REASK Q.17.21) COL. #2) (SKIP TO 0.22)

YES.
1

2

NO.

.(REASK Q.17-21 COL. #3) (SKIP TO 0.22)

YES. 1 2 NO.

.(GO TO Q.21.1) (SKIP TO 4.22) 2 (

I
21.1. x How much is in all your (family’ remaining s) money market accounts’ !

$1-1 _l_l.l_l_l_l.l__l_l nP+4 ?I - -vyy 3718 22. ~-~mc&yo~& W’ ++a+- gad oki-Wpr Kcoqb , S NC 11y here) have any C s or certificates o depwt , t tmancial
SAY: Please do & include CDs that are part of IRAs or Keoghs.) (IF R ASKS: CD’ ARE CERTIFICATES S HELD FOR A SET PERIOD RENEWED AT THE MATURITY DATE.) 6F TlME THAT

institutions?

(IF YES, OR

MUST BE CASHED

x

3714
22.1. x 3qv 22.2. Altogether.

Yes No

._............

(GOTOQ.22.1) (SKIP TO Q.23)

1 .sr

how many such CD’ do you (and your family living here) have? s I I I I # Certificates

What is the total dollar value of (this/all these) CD(s)?

x3721
22.3.

51-I_l_l.l_l_l_l,l_l_l_l
(Please look the at Institutions C‘ ud.) (Is this/Are these) CD(s) with any of the institutions on the Institutions Card, 0~ from someplace else’ (CODE ALL THAT APPLY) ! (IF INSTITUTIONS CARD: Which institution(s)?) (IF SOMEPLACE ELSE: What type(s) of instiNtion(s)?) (INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) lNST.#l ..................................... INST.#2 NST.#3 ..................................... INST. #4 INST.#S ._..._..___._...._....._.,..., INST.#6 ..................................... COMMZBANK.. .............................. S&L/SVGS BANK .............................. CREDIT UNION ................................ FIN/LOAN CO. ................................ 01 02 03 04 OS

x 3722 -X 3325

..................................... .....................................

x7u8,x&d,I\ -I 134,y9 135,x5/36
x9

.._.

66
11 12 13 14 07 WITH A PARTNER?

137, xwv,

k92l1, X721% ti4 . %A. Type
22.4.

“T;

(:;‘ ~.):,,xt
CHECK THE HHL (PAGE HHL-1). (GO TO 0.22.5) (SK&’ TO Q.23) IS R MARRIED

-

CHECKPOINT: YES NO

OR LIVING 1 2

22.5.

Wmost

IS (Ihe money in this CD/most of the money in these CDs) held jointly of it) in your name. your (husbansslwife’ slpartner’ s) name, or Joint account..............................,.... R’ account s s’ account s

with your (hush;md/wife/p,utner).

is

yll@
unr,&&J Paep pdm . . . . . .. . . &+I ..I0

02 03

0th~ v t$UaI

(SPECIFY!

23. Do (or YOU

+ R/ SpoUti i j ai*+ 6W6tMh ifi myone in your family living here) have any (other) ~CCDU~LS bw, at savings ‘ md loat, associations, or credit unions? These could be passbook accounts, share xcounts, Christmas Club accounts. or my (,ther type “f savings account.

% 3w

Yes .............. No ...............

(GO TO 4.23.1) ............... (SKIP TO 0.27. PAGE N-X2) .....

1 .p 5

23.1.

Altogether,

how many such accounts

do you (and your family living here) have?

ACCOUNT

#l 01 02 03 04 05 06 11 12 13 I4 16

ACCOUNT

#2

ACCOUNT

#3

24

Please look at the Institutions Card. Is the (next) largest account with any of the institutions on the Institutions Card, or from someplace else’ ! (IF lNSTITUTIONS CARD: Which institution’ ?) [IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK INS?‘ TUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.)

INST.#l .,.. ..__.,, INST. #2 INST. #3 INST. #4 INST. #S INST. #6 COMM. BANK S&LlSAV BANK CREDIT UNION FINLOANCO . _. BROKERAGE . . OTHER (SPECIFY)::07 5). _ trst

INST.#l . . . . . . INST. #2 INST. #3 INST. #4 INST. #S INST. #6 COMM.BANK _, S&L/SAV BANK . CREDIT UNION FIN LOAN CO BROKERAGE. OTHER (SPECIFY): _07 Ii&

01 02 II3 04 OS 06 11 12 I3 14 I6

INST.#I _, INST. #2 INST. #3 INST. #4 INST. #5 INST.#6 _. COMM. BANK _. S&L/SAV BANK CREDITUNION..... FIN LOAN CO BROKERAGE OTHER (SPECIFY):_07

01 02 03 04 05 Oh II I2 I3 I4 I6

x 38Ob x9 139
Fl_l.l YES.. NO. .(GO TO 4.25.2) .(SKIP TO Q.26) 1 2 YES.
IVO

25. How much is in this account? 25.1 CHECKPOINT: CHECK THE HHL (PAGE HHI-I). IS R MARRIED OR LIVING WITH A PARTNER7 25.2 Is this a joint account with your (husband/ wife&ma), is the account in your name, your (husband’ s/wife’ s/ partner’ name, or s) something else’ ? 26 INTERVIEWER: IS THERE ANOTHER ACCOUNT? YES. . .(REASK 4.24-26. COL. #2)

x386
I

I

7
I.1 I I I

.(GO TO Q.25.2) .(SKIP TO Q.26)

1 2

YES. NO

.(GO TO 9.25.2) .(SKIP TO 4.26)

1

1 loint account 1 I t

01

loint account

..

01

Other (SPECIFY)

YES. I 2 IVO.

.(REASK 0.24-26. COL. #3) (GO TO 4.27)

YES. 1 -2 VO.

.(REASK Q.24.26. COL. #4 (GO TO 4.27)

I 2

L -

NO.

(GO TO Q.27)

-

I
ACCOUNT #4 _. _. 01 INST.#l INST. #2 02 INST. #3 03 INST. #4 04 05 INST. #S INST.#6 _. _. 06 COMM. BANK II S&L/SAVBANK 1’ 2 CREDITUNION ._.._. 13 FIN LOAN CO 14 BROKERAGE 16 OTHER (SPECIFY):07 . _ I;&

I

ACCOUNT

#5 01 02 03 04 OS 06 11 12 13 14 16 07

INST. #I

. .

INST. #2 . INST. #3 INST. #4 INST. #5 INST. #6 . COMM.BANK _. S&LlSAV BANK ~ CREDIT UNION . FINLOANCO _... BROKERAGE. OTHER (SPECIFY):_ *c ;n+t Iis+

.

__ . . ._ I

x 3812
)(9/4/ %I I.1 VP ‘ I I , I,?
YES. NO .(GO TO 4.252) .WUP TO Q.26) 1 2

k 3YI5
mrr2 $I I.1VP 5
YES. NO

I I I
1 2

.(GO TO Q.2S.Z) .(SKIP TO 4.26)

s’ account s Other (SPECIFY)

03 ‘ ? l4

Joint account R’ account s s’ account s Other (SPECIFY)

g..&Sa . 02
. . 03 -3

01

. . YES. .(REASK 4.24-26. COL. #5) (GO TO Q.27) YES. 1 2 NO.. (GO TO 0.27) . 2 .(GO TO Q.26.1) 1

NO.

26.1.

How much is in all your (family’ s)

remaining

such accounts?~

uw

ur(ls

_thc

avt “ 9

c oec(

w

Jo&

$I
27.
include

I I,/

I I.1 1 , ,

mon+hl

XSwa

-*w

Do you (or anyone in your family
any pension-typz, Yes No _.............. In how m~any different THE NLJMBER mutual

here) have any shares in mutual funds? (IF YES, SAY: Please do pod d&-saving, 401-K. or IRA/Keogh plans. or accounts I have already recorded.) (GO TO 27.1) (SKIPTOQ.31) funds (do you/does NOT THE NLJMBER 1 $5 own shares’ ! (INTERVIEWER: COMPANIES.) WE WANT

x3wq
27.1.

.

.

your family) OF FUND

OF FUNDS,

MANAGEMENT

I--_ I I I # Mutual Fund5 2X. I need to know what type(s) of mutual fund(s) (this is/these are)? (Is it/Arc any of them)

29.

What is the toul

market value

of all of the (TYPE) that you (and your family living here)

NO

Yes

have?

x3821
28.1. Stock Funds? 2X.2. (Are any of them) Tax-Free Bond Funds? 28.3. (Are any of them) Government or Government Funds! 2X.4. (Are ‘ any of them) other Bond Funds? 28.5 Combination mutual funds or any other “ DK 5 backed Bond

eJ#
r

1

--f

29.1. %I

I.1

1xs3~2,

I

I

3823
1 7‘
29.2. $1 I.1

x3824
I I I.1 I I I

gz’

x3825
5 Z
13823 1 + 29.3. $I I,I

x38tG
I I I,/ / I ,

s

&

x3828
1 + 29.4. $I__1 .I_~1__1.1_~_1_1

funds (INCLUDE

x3829
2 1 --f 29.5. $I_I,I

X3830
I I /.I I I I

TYPE” HERE)?

INTERVIEWER: 30. Overall family

IF R ANSWERS

“ NO” TO Q.2X.l

- 28.5. ASK 0.29 FOR &

MUTUAL

FUNDS:

RECORD

IN 0.29.5

has there heen a gain or loss in the value of all these mutual here) obtained them’ ? (GO TO 4.30.1) ..(SKIPTOQ.31)

fund shnrrs since you (or someone in your

Gain $3931 Neithergainnorloss

I ._..._...._.___ &3

Loss .............. DON-T KNOW ......
30.1.

(GO TO 0.30.2) (SKIP TO 0.31)

.............. ...............

.a x

5

How much have they gained in value since they were obtain&J

I

ti

3632
I I

I.1

x3833
I I% OR $I I I I.1 I I I AMOUNT SKIP TO 0.31 c\\\ . . * . . . . . . 2

PERCENT dir+ual$

DON’ TKNO

__.

(SKIP TO 4.31)

998

31.

Do you (or ‘ anyone in your family here) have any U.S. government swings bonds’ ! (THESE MAY BE CALLED SERIES EE OR HH. ONE WAY THEY CAN BE PURCHASED DEDUCTION.)

IS BY PAYROLL

x3901
31.1.

Yes

_, _.

No

_. _.

(GOTOQ.31.1) (SKIPTOQ.32)

_. _. _. _.

_.

1 .#?5

! What is the totaJ f;lce value of all the savings bonds that you (and your fzunily) have’

It3902
32.
recorded.)

51

I I.1 I I I.1 I I I

Do you (or anyone here) have any other corporate, municipal, government. or other type of bonds or bills? (IF YES SAY: Please do m include any bonds or bills held in pension accounts or tnxts. or in accounts I have alrudy

x3903
32.1.

Yes NO

(GO TO 0.32.1) (SKIP TO Q.35)

1

25

HOW many different bond(s) or bill(s) do you (or your family) own?

I-__ I
33.

I

I # Bonds or Bills
(Is it/Are any of them)

1 need to know what type(s) of bond(s) or bill(s) (this is/these a)?

34. TYPE
No 33.1. Mortgage-backed bonds such as those from “Ginnie-Mae”. “FannieMae” or “Freddie-Mac” 33.2. U.S. Government bonds or Treasury bills 33.3. State OT municinal bonds, or other taxfree bonds 33.4. Foreign bonds 33.5. Corporate or an” other type of bonds (INCLUDE “DK
I

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

34.6. What is the total market value?

Yes

x 3905
d51 +
34.1.

x 39ob
51_l_l,l_l_l I,1 I I I 34.1.

xw3s
$l_l_l,l_1

I I,, 1 , ,

.zs b5
2s

x 3967
1 -_) 34.2.

g3908
$I_I_I,I_I_I I,/ I I I 34.x. 34.3.
--t 34.4.

A7636
$1 I I.1 I I I,1 , / ,

X39909
1

X7&37
$,!???!9, _,___,___
$l_l_!;?x

I / I ,

34.9.

$I i

I_/ ,

/,I 1 I,/

/ I_/

r7(,31+
1

, -._-

34.10. Sl_l_l,l_l

X7&38

TYPE” HERE)

INTERVIEWER:

@ R ANSWERS AND Q.34.1 I.

“NO” TO Q.33.1

0.33.5.

ASK 4.34

AND 0.34.6

FOR &

BONDS:

RECORD

IN 0.34.5

35.

Do you (or anyone in your family living here) own any publicly traded stock? (IF YES SAY: Please do m include any stock held through mutual funds. pension accounts or trusts, or in ilccounts or businesses that I have already recorded.)
Yes ..............

x39)3
36.

No ............... companies

(GOTOQ.36). ................ (SKIP TO Q.40) .............. do you (or your family living hen) own stock’ !

I .74

In how many different

x39/4
37.

I I I I#Comp‘anies

What is the total market value of this stock?

x3415 3%.Overall X391G

$I I I I,/ I I I.l_l_l_l
ha? there been a gain or loss in the value of this stock since you (or someone Gain.. _. Neitber@innorloss Loss DONT KNOW (GO TO 0.3X.1) ..(SKIPTOQ.39) (GOTOQ.38.2) (SKIP TO 0.39) in your family here) obtained I it‘ !

. ..__..._..._ ..,....,...,...

2’ 3
;rs 8

38.1.

How much has it gained in value since it was obtained?

I%
PERCENT gir)u&b DONT KN 1)1\ W . . .. _ 2

OR

I I.1 AMOUNT

I

I

I

38.2.

SKIP TO 4.39 99X SKIP TO Q.39 How much has it lost in value since it was obtained?

I--DONT 39.

Vir)ualhh flII
Kh’ W

-PERCENT

I I% .... - z
998

OR AMOUNT

Of your (fZmIily’ stock. is any of it stock in n company S) worked?

where you (or anyone

in your family living here) work or h;,“e

x392 1
X37f.91

Yes No.

.._..

(GO TO 0.39.1) (SKIPTOQ.39.2)

_.

_. .._..

I 25

rs *is &k inchdad \n +hc htab you What is the total market value of your stock in the company?

pc

bc-bef

$2c’ c

~ain~ally,blrtrcallyYts~3

x34%=
39.2.

$I_1 _l_l.l_l_l_l,l_l_l_l
Of your (family’ stock. is any of it stock in a company s) Yes No (GO TO Q.39.3) (SKIP TO 0.40) headquartered outside of the United States?

x7192 Zs -f&s *jr& intided in +hc What is the total market value in dollars of this stock? 39.3.

%7&Y I
40. Do you (or anyone

%I

/,I

I

I

/,I

I

I

I

in your family here) have a brokerage Yes No.. .............. .............

account for tht: purchase ............... ...............

or sale of stocks and other securitirs’ ! I 15

x3923

(GO TO 4.40.1) (SKIPTOQ.41)

-

PI-04

I
40.1.
Please look at the Institutions Card. (Is this/Are these) xcount(s) with any of the institutions on tht: Institutions Card. or from someplace else? (CODE ALL THAT APPLY.) (IF INSTITUTIONS CARD: Which institution(s)?) (IF SOMEPLACE ELSE: What type(s) of institution(s)?) (INTERVIEWER: CHECK INSTITLJTIONS CARD AND UPDATE.IF A NEW INSTITUTION IS MENTIONED.)

%392q*X3923
xwa, XGbb8) JIrlr(r9

od.3nr).

77pc
X?/V

xw3,
XSq

~SIYY,
6,

X42l2, x9219,

INST. #I INST.++2 INST. #1 ._ ., __ ., INST.#4 INST. #5 __ __ INST. #6 __ ., COMM’ LBANK . . . . ..__.._..........__..__..... S&L/SVGS BANK CREDIT UNION FIN/LOAN CO. _. BROKERAGE OTHER (SPECLFY)

_.

_.

_..,

..,

-

01 02 03 04 05 06 I1 12 13 14 IS 07

in&t. list 5cc Over the past year, about how many times did you (or anyone
other securities through a broker’ ! (ACCEPT RANGE.)

in your f‘ amily living here) buy or sell stocks or

I III I I I#Times
DON’ T NONE rq’ q3 40.3. %~cw/ KNOW . . . . . . . . . . . . .._..__....._..._..__....

boughtor sdclxtzck

999X 4946-1

Not including L y accounts YOU e told me about, do you (or anyone in your family living here) have a “cash” or “call money” account at a stock brokerage? (IF R ASKS: CASH OR CALL MONEY ACCOUNTS HOLD MONEY RECEIVED FROM THE SALE OF STOCK UNTIL THE MONEY IS REINVESTED.) Yes No (GO TO 0.40.4) (SKlPTOQ.40.5) I /r

1( 3929

. .

.

. .

.._.___._..,..

40.4.
E

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

3930
40.5.

~I_l_l_l.l_l_l

I_/ I I I

Other than loans you have already told me about, do you (or anyone in your family living here) have any margin
loans nt a stock brokerage?

x3931
x’ ,Y \,‘

Yes No.

(GO TO 0.40.6) . .

I

Did you WI mc aht Altogether, what is the current balance on

X
41.

3932

$l-'-'-','_l-'-','_l-'-l

accent that you have not already told me about? (IF YES. SAY: a.ss~tsthat I have already recorded.)

Do you (or nnyone in your family here) receive income from or have :6sets in a trust, annuity, or managed investment Please do not include pension-typz ;~ccoums, or any

w3933

Yes No

(GOTOQ.42). WUPTOQ.47)

,_.._...__.,..,

I 2.g

42.

What we these: are they legal busts. ,ulnuities,

or managed .1..

investment

accounts?

(CODE ALL THAT 01 02 03 w-7 only to the m

APPLY)

x393+

% 3937

Legal trwts Annuities __,_......................_.......... Managed investment accounts Other (SPECIFY)

43.

Are any of these set up so that you (or your family living here) ‘ legally entitled are euuitv interest’ ! Yes (GO TO 0.43.1) No . . . . . . . . . . . . . ..(SKlPTOQ.44) DON’ KNOW T (SKIP TO 0.44) 43.1. How much income did (you/your in IYYl?

and do not have an

1 . . . . . . . . . . . . . ..&g X trusts, annuities. or accwnts

f.amily living here) receive from these income-only

13937

$I I I I,/ , I I.1 / I I
Do you (or your family living here) also have annuities, your family) have ‘ & an interest? Yes No What is the total dollar amount (GO TO Q.43.3) (SKIPTOQ.45) trusts, or managed investment xcounts in which you (or

43.2.

3

39e
43.3.

.._........... accounts‘ !

1 2s

of your (family’ interest in m s)
I,1 I
1 1

61 1

I

i,l_l_l

]39q 1
44.

--SKIP

TO 4.45)

What is the total dollar value of your (family’ s)

interest in all annuities,

trusts, or managed

investment

accounts’ !

$39JZ
45.

%I I I I,/ I I I.1 I

I
Card.

Who manages your (family’ trusts, annuities, or investment accounts.--is it any of the institutions on the Institutions s) or are they managed by someone else? (CODE ALL THAT APPLY.) (IF INSTITUTIONS CARD: Which institution(s)?) (IF SOMEPLACE ELSE: What type of institution(s) or who manages them?) (INTERVIEWER: CHECK INSTITUTIONS CARD m UPDATE IF A NEW INSTITUTION IS MENTIONED.) INST.?+1 . . . . . . . . . . . . . . . . . .._................. INST. #2 . . . . . . . . . . . . . . . . . . . . . .._........__... INST. #3 INST.#4 . . . .._............__................. INST. #5 INST. #6 COMM’ LBANK _. S&L/SVGS BANK CREDIT UNION FINJLOANCO. . . . . . . . . . . . . . . . . .._..._...__.... OTHER (SPECIFY) 01 02 03 04 05 06 _, _. 11 12 13 14 - 07

xcJq 43 - xwfb

XWJ 3
x7 J%Y4, IY

7, x9t4v 1
xv5-q

xi213
DCS. zcv&. 46.

-r+c JCC ifut. How is the money in these trusts and managed Interest-earning assets, or what:’ Stocks Bonds/Interest Other (SPECIFY)

Iid-

accounts

invested?

Is most of it in stocks, most of it in bonds or other

~mdd..hd~

. . . . . . . . . . . . . . . . . . . . . -9

01 02 e4

47.

D o you (or anyone in your family living here) have any lift insumnce: ’ Please include not accident insurance. Yes No (GO TO 0.48) (SKIPTOQ.51) I 25

individual

and group policies,

hut

$400’ 4X.

. . . . . ..____....

Ax any of these group or individual term insurance policies? (IF R ASKS: TERM INSURANCE POLICIES HAVE NO VALUE UNLESS POLICIES ARE ISSUED THROUGH EMPLOYERS AND UNIONS.) Yes No DON-T KNOW What is the current !& (GO TO Q.48.1) . (SKIPTOQ.49) (SKIP TO Q.49)

THE PERSON

DIES.

MANY SUCH

XYOOZ

.

.._......,.....

I 25 X

48.1.

value of al1 the term life policies that you (and your family living here) have?

xw3 4X.2.

61 _l_l_1.l_l_l_l.l_l_l_l Do you have any policies that build up a cash vxhx OT that you c,m borrow on’ (IF R ASKS: ! SOMETIMES CALLED “WHOLE LIFE” OF “STRAIGHT LIFE”.) Yes .............. No.. ............. DON-l- KNOW (SKIP TO 0.49.1) .............. (SKIPTOQ.51) ............... (SKlPTO Q.StJ ............... I THESE ARE

25
1

......

49.

Do you have any policies that build up a cash value OT that you can borrow on? (IF R ASKS: THESE ARE SOMETIMES CALLED “WHOLE LIFE” OR “STRtUGHT Yes .............. No ............... DON-I’ KNOW
(GO TO Q.49.1) (SKIP TO Q.SO) (SKIP TO Q.SO)

LIFE”.)

......

............... .............. ...............

I .25 K

LIFE INSURANCE 49.1.

THAT

BUILDS

UP A CASH

VALUE

M-5
49.2.

What is the current &~g value of aI1 of the policies that build up a cash value that you (and your family living here) have? (THE FACE VALUE OF A POLICY IS WHAT THE POLICY WOULD PAY IN THE EVENT OF DEATH.) $I I I 1.1 I I.1 I I I Whllt is tbt: total & value of these policies? (THE CASH VALUE OF A POLICY IS WHAT THE INSURANCE COMPANY WOULD PAY IF THE POLICY WERE SURRENDERED BEFORE DEATH.) %I I I i.l_l I.1 I I I $73 -3 _. against these policies? (GO TO 0.49.4) (SKIP TO Q.4Y.10) I - I .+%36%%8

X400& DON-f 49.3. 14067 KNOW

Are you (or your family) borrowing Yes No

r5

4Y.4.

"'~Obf

(ASK ONLY IF AN AMOUNT WAS GIVEN IN ($49.2.) Is the cash value you just gavr me peg of nny kxms you have against the policy or is it the 9~0s~ cash value’ ? (IF ASKS: THE NET VALUE 1S THE TOTAL CASH VALUE MINUS ANY LOANS.) R Net . . . . . .._ . . . . 1 Gross . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 DONTKNOW . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..fl

49.5.

Did I record these loans earlier in the interview? Yes No ._____,... (GO TO Q.4Y.6) (GOTOQ.49.7) I 25

x4004
49.6.

..__.

., ,.____.__.

Where did you tell me about these loans? J?LY.C c lti

49.7. XqO/O 49.x.

How much is currently

borrowed?

Fl_l_l_l,I_l_I_I,l_I_I_I Typically how often (do you/does $l_l_l.l I I your family) make payments I m-1 9999X 4rwBb -2 yl 2 Or9 03 5 04 b I+3 on these loLans and how large are the payments?

1 +Jll

NONE ..__......_.............___..._ DONT KNOW NO TYPICAL PAYMENTS

IWO12

Week .._ .., .. ... .. Month ..__....._..............._....._ Quarter .._ __ _.._ .._ __ Year......................................... Other (SPECIFY)

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

49.10.

How much in total are the yearly premiums $I I,1 I I IJ I I I

for these policies

that build up a cash wdue’ !

XL/O

tq NONE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..~-1 DONT KNOW 9999998 NOTYPICALPREMIUMS &Y4+%

-2

x

L/or5

Week ..,.......___......,................_.,. Month .._._................................._ Quaner....................................... Year......................................... Other (SPECIFY)

y’ * @“+ I# 5 y4 (, m-7

50.

(Other than this term insurance) What is the current face value of all the life insurance OWli? $1-1 I I,l I I I.1 I I I

you (and your family living here)

X8175

Recode:
1.

Link

code

for loan mentioned

earlier

2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32. 33. 34. 35. 36. 37. 0.

x415 X416 x717 X418 x7500 X6648 X6649 X6720 X817 x917 x1017 X1046 x1112 X1123 x1134 X1217 Xl728 Xl828 Xl928 x2220 X2320 X2420 x7171 X2521 X2621 X7823 X7846 X7869 x7923 X7946 X7969 X2725 X2742 X2825 X2842 x2925 x2942 Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1; not borrowing on policy: X4007^=1; loan not reported earlier: X4009^=1)

I
51. We have talked about various types of savings, investments, and loans. Other dun what I have already recorded, ‘ you are. (or anyone in your family living here) owed any money by friends, relatives outside the immediate family, businesses, or others? (WE DO NOT WAN-f TO INCLUDE LOANS BETWEEN FINANCIALLY DEPENDENT FAMILY MEMBERS.) Yes No s1.1. $clOlg 52. Altogether, ..__.....__. (GOTOQ.Sl.1) (SKIP TO 4.52) .,.._.__,,...., 1 zq

how much <are you owed? $1-1 I I,1 /_I I.1 I I t

Other than pension :t.w?ts, do you (or anyone in your family living here) have any other substantial assets that I haven’ t artwork. precious metals, antiques. oil and gas leases, futures conwxts, future proceeds from a lawsuit or estate that is being settled. royalties, or something else? (DO NOT INCLUDE PENSION-TYPE OR EMPLOYER PROFIT-SHARING ACCOUNTS HERE.)
already recorded -- for example.

wotq

Yes No -

.

. . . . .

(GO TO QJ2.1) . (SKIPTOQ.53)

,,..,,._,,_.,,.

1 25

ASSET #1

ASSET #2

ASSET #3

52.1. (About the m”st valuable of these .,) What kind of asset is it?

X~O20 Xc n& A-c+ ur-

x4oz4

x 4028

52.2. What is the total dollar value that you (and your family living here) have in (TYPE)? 52.3. Do you have any other substantial tl.%o;? S3.

w7zz
$il_l,LLI_I.I_l_I_I

WOZG
~l_l_l.l_l_l_l.l_l_l_I

$l_l_l.l_l_l_l.i_l_l_l

x%330

YES.(GO

BACK TO 4.52.1, ASSET#2 ._,._. 1 2

YES.(GO BACK TO 0.52.1, ASSET#3 _.._., 1 NO. .(GOTO Q.53) 2

GO TO 4.53

NO. .(GOTOQ.53)

Do you (or anyone in your family living here) w any other m~ley not recwded exlier? (WE DO NOT WANT TO INCLUDE LOANS BETWEEN FINANCIALLY DEPENDENT

FAMILY

MEMBERS.)

xW3l
53.1.

Yes No How much is “wed?

.._....._

(GOT0 0.53.1) (SKIPTOQ.54)

1 . pc

x4032
54. INTERVIEWER:

Fl_l_l

I.1 I l_l,l_l_l_l
ANY ACCOUNTS IN THIS SECTION? _. R) I yr

HAS R MENTIONED YES NO
we

X’ IbYr/G 5.5.

(GO TO Q.55). (SKIP TO SECTION

Thinking about all the accounts currency other than U.S. dollars? x%47

have talked about. are any of the accounts

you have told me about held in some

Yes . . . . . . . . . . . .._.............._._........... N”.......................................,...Z~

I

What
01

kind

of asset

is it?

02 03 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 61 62 63 64 65 66 71 72 73 74 75 76 77 78 79 97 98 99

Gold Silver (incl. silverware) Other metals or metals NA type Jewelry; gem stones (incl. antique) Cars (antique or classic) Antiques; furniture Art objects; paintings, sculpture, textile art, Ceramic photographs (Rare) books Coin collections Stamp collections GIXIS Real estate (ext. Cemetery) cemetery plots China; figurines; crystal/glassware Musical instruments Livestock; horses; crops Oriental rugs FlXS incl. baseball cards, records, wine Other collections, moans to friends/relatives Other loans/debts owed to R Cash, n.e.c. Future proceeds from a lawsuit Future proceeds from an estate Deferred compensation Oiligaslmineral leases or investments (Commodity) futures contracts Royalties Non-publicly traded stock computer Equipment/tools, NEC Future lottery/prize receipts Association or exchange membership Other obligations to R; tax credits -_> -7 Other > .D Don't know > .N NA

art.

SECTION R: EMPLOYMENT
1.

OF RESPONDENT

We are interested in your present job status. Are you working now, temporarily laid off, unemployed and looking for work, disabled and unable to work, retired, a student, a homemaker, or what? (CODE &THAT APPLY.) (SHOW CARD 14)

IF R IS “WORKlNG NOW” AND ANY OTHER CATEGORY, ALL FOLLOW-UP QUESTIONS AND GO TO Q.2.

ASK

/I-R

2 = SP/P

)(qoo

Working now or On strike (SKIP TO Q.2) Temporarily laid off: on sick or other leave (GO TO Q.l.l) Unemployed and looking for work (SKIP TO 4.1.3) Student (SKIP TO Q.l.3) Homemaker (SKIP TO 4.1.3) Disabled (SKIP TO 4.1.4) Retired (SKIP TO Q.l.4) Other (SPECIFY) tic rlCYt shrr) (SKIP TO Q.1.3) Do you expect to go back to this job?

01 02 ....... ....... ....... ....... 03 04 05 06 07 a&

1.1.

Yes
X”l1Gl 1.2. No . ..__..........

(GO TO Q.l.2) (SKIPTOQ.1.3)

.._............

1 3

5

When did you last work on this job? x,rrpz, , Y;qIG

MONTH YEAR SKIP TO 4.2 NOTE: CONSIDER THIS R’ “ S CURRENT MAIN JOB” FOR PURPOSES OF Q.Z-Q.39.1.

1.3.

Are you doing m Yes No

work for pay at the present time? (SKIP TO 4.2) (SKIP TO Q.47) disabled)? 1 i+

r

1.4.

When did you (retire/become

l.S

Are you doing w Yes No

work for pay at the present time? (GO TO Q.2) (SKIP TO Q.47) 1 .a-

was

5 or what?

2.

Next are some questions

about your current,

main job.

Do you work for sorne~ne else, are you self-employed, 1 02

XC/I

06

Someone else Self-employed

..

(GO TO 4.3) (SK!P TO 4.14)

f%..h-,-~~~~u IF R SAYS, “I RUN MY OWN B S rwr+c=.-pwn~

~cm/mcd,cJ)denial
bu&ss R-91

03

SS” CODE “SELF-EMPLOYED”

a..ud

$

PEU

02

Codes for X4100 Worker only Worker + disabled Worker + retired Worker + student Worker + homemaker Worker + unemployed/looking for work Worker + temporarily laid off (NO at R1.l, YES at RI.?, R2=current job) NO CURRENT WORK FOR PAY: Temporarily laid off only (R2=job laid off from, to 20. which R expects to return [YES or DK at R1.11) Temporarily laid off--does not expect to return to 21. job and no current work Unemployed and looking for work 30. Retired only 50. Disabled only 52.
11.

12. 13. 14. 15. 16. 17.

"Homemaker" is a low priority working status coded only in 80 and 15. For other combinations including "Homemaker", choose a code on the basis of the other item(s) checked. 70. 80. 85. 90. Student only Homemaker/other not in labor force only Unpaid volunteer Unpaid family workers: R's who volunteer that they work in a family business or farm and are unpaid. (DO not include here "volunteer work" for charitable or non-profit organizations.1 Other combination incl. WORKER Other (incl. combination) not including WORKER Absent spouse not included in IW Inap. (NO spouse)

96. 97. 199. 0.

What is the official

title of your job? (The title that your employer

uses?)

X7qO1 - zL-.J&s
3.1 INTERVIEWER:

,,fw.cAA &n+.&-ce&,mud
OFFICIAL JOB TITLE REPORTED IN SECTION I 2 F? (CHECK

s&k
Q.22, PAGE F-47)

DOES R WORK FOR A BUSINESS YES . ..____._._.........._......_...... NO .,,,.___________.,,.........,._.._._,,....

What sort of work do you do on your main job?

(Tell me a little more ahout what you do.)

What kind of business

or industry

do you work in--that is, wh;tt do they make or do at the place where you wary!

x7roz
How many hours do you work on your main job in it normal week? )(q 110 I___l#HOURS I I Counting 1-l-l paid vxations # WEEKS hefore t,a.xes on your main joli! I 1) I I 10 I I IO (Is that per hour. week, month, year, or whar’ !) I I :a weeks of work. how many weeks do you work on this joh in a norm:d yc;r’ !

(READ SLOWLY) )(Cq / / 1

About how much do you txn XLIJ 12 $I I

NONE . . . . . . . . . . . . . . . . . . . . . . . . ..?.\..tmnnnmtnmmDON’ KNOW ......................... T 9999999999X

X‘ I I 3 l

How
Week

........................................
___..,,.......,..___._.,,,........_._... ..__...______

An
M

Ik
2

XGGS7
9.

f-1

Month __ Quarter .._.. ,._.__._.,, Year......................................... Other (SPECIFY)

Hrw muJ? d;J

_

JH 4 A+i 5 WI t Lm‘ fewer than 10. IO to 19.

About how many employees work for this 20 to 99. 100 to 499. or SO0 or more?) Less than IO .................................... IO to 19 ....................................... 20 to 99 ....................................... loo to 499 ..................................... S(X) or more .................................... I 2 3 4 5 (RECORD

10.

How many years in total bnvc you worked for this employer? III SINCE # YEARS, OR 191 -1-l

LESS THAN ONE YEAR AS 01.)

PII/5

X7679

II.

How many yews do you expect to continue

working

for this employer!

(ACCEPT

RANGE.)

NEVER STOP.. DON’ KNOW T

.?.?,

.6 9X

12.

Are you covered on this joh by a union or employee-nssoci;uion Yes . . . . . . . . . No..........................................~ . . .

contraccT! . . . . . . 1 5

x-m

13.

Do you have my type of insurmcc you become disahtrd?

other than Social Security.

that would help provide you with income in the went

that

X76%1

Yes No.

_. .._.... ..__

(SKIP TO 0.15) (SKIPTOQ.15)

I .._.. .._.... 2 5

14.1

INTERVIEWER:

DOES R WORK FOR A BUSINESS 1 2

REPORTED

IN SECTION

F!

Yes No _...._._.......

14.2

What industry do you work in? That is, what do they do or make? (What industry do you tvnic:lllv work in?)

14.3

How many years have you worked for (yourself/this III # YEARS, 191_t_1 OR SINCE

business)?

(RECORD

LESS THAN ONE YEAR AS 0 t .)

14.4

Ahout

how many

years do you expect

to continue

working

for (yourself/this

business)?

ACCEPT

RANGE

t-l-1 # YEARS

OR

l-l-1 UNTIL AGE: 96 9X

NEVER STOP .................................. DON’ KNOW ................................. T

.+H R-93

I
14.5. How many hours do you work (for yourself/in this business) in a nomxd week:’

I

I I I # HOURS
Counting paid vacations ‘ weeks of work, how many weeks per year do you work on this job! as

14.6.

(READ

SLOWLY)

l-l-1 # WEEKS 14.7. How we you paid? Yes XCI 14.x. 125 No Arc you paid n regular s<tiwy or wages’ ! _._........._,_ 1

__._.,........

(GOTOQ.14.8) (GO TO Q.14.9)

f

5

How much in salary or wages are you paid before taxes? $1 I,1

I

I

111

I

I

I lJtJOOOtX)t) 9999999X 01 02 03 04 05

NONE DON’ T Week Month Quaner Year

KNOW ..__....._.........._..____.,,......., __ ___ . . . __

.

.., .._

.__ __ __.....

_..

Orher (SPECIFY) 14.9. Do you (also) receive a portion Yes No .._....._ _. sakry,) of this net earning. (GOTOQ.14.1U) (GO TO Q.14.11)

or some other kind of income’ ! __............ 1

Y‘ l127
14.10.

_,
receive

.K

(
(What did you

(In addition to regular get in 19911) $1 I I,1

how much do you personally

from tht: business before t:ws’ !

xc/13 I

I

I

I.1

I

I

I

NONE ............................. DON’ KNOW T ............................ Week.. ......................................

r.\ ..9999999X . 2 !.I& q 4% p+ [

>c’ O32
14.11.

Month Quarter

..............
.......................................

........................

Year......................................... Other (SPECIFY) Are you covered Yes on this job by :L union or employee-association

6

7M
contract?

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . .. . . . . . . 1 2 that would help provide you with income in the

No . . . . . . . . . . .._....._...._.._........____..__ 14.12. Do you have any type of insurance event that you hecome disahledl Yes No . . . . . . . other than Social Security,

.._....
. . . . . . . . . . . . ..__.............__.._.

,.....,

I 2

14.13.

Aside frvm IRA or Keogh plnns, we you included work/the business)? Yes No .__.........___

in any pension

plans or t;v;-deferred

savings plans through (your

(SKIP TO 4.17) (SKIPTOQ.40)

.,.........,...

I 2

15.

p-II351

Many employers have pension or retirement plans, and swnr provide tax-deferred pl:ms such as thrift, savings. 4OIK’ profit s. sharing. or stock ownership plans, some plans span multiple jobs. for example, TIAA. CREF. union plans. etc. Are you Included m <my pension or retirement plnns. or in <any tax-deferred savings plans connected with the joh you just told me .rhout! (DO NOT INCLUDE SOCIAL SECURITY.)

34udrs

-UN

4-F

-cnp!zJ D SAY : “WC covered those carher in the interview. IF R MENTIONS IRA OR KEOGH PLANS, NOTE IN MARG N Here, I just vant to find out about aher plans operated through your employer.” Yes No DON’ KNOW T 16 Does your employer offer ;my such plans? Yes No Are you eligible Yes No to he included .._ (GOTOQ.16.1) (SKIP TO 0.40) I .A’ (SKIP TO Q.17) (GO TO 4.16) (GO TO 0.16) I .A- 5 r’

x4

136
16.1.

(

in any of these plans’ ? (SKIP TO 0.40) (GO TO 4.16.2) I .4 5 %

X670%
YES NO DEPENDS DON’ KNOW T (SKIP (SKIP (SKIP (SKIP TO TO TO TO Q.40) 4.40) 0.40) 0.40)

- Y6712

,+

WC+shd)

:

I .p !? ? Hif

-7 cha?c
SMVS.~

Ah151 Cotr\mt 6~ d&s /o: ~4 &nge +o &Il-~~; 17. In how many different plans of this sort nre you included on this JO&?

erqd~ym~t
hr. I j fade

17.1.

Are you currently Yes No

receiving

bencfit payments

from any retirement

plans from this job’ ! I .A c

.. ..

(GOTOQ.17.2) (SKIP TO 0.18)

.._........

x4141 17.3.

Yes ..I.... .._.._. No ._......,,__... How many such plans do you have’ ?

(GOTOQ.17.3) (SKIPTOQ.40)

..__._. ..__........

I X$

# PLANS--NOT

I I I I YET RECEIVING

BENEFITS

RECORD # PLANS IN BOX AT Q.18, NEXT PAGE

,bA4

R-95

PLAN 1 19. (Is this/About the (next) most important of these pl;cns. is it) n pension or retirement plan, or n tax-deferred savings plan of some sort? (IF R ASKS: 401-K. 403-B. ESOP, SRA, THRIFT/SAVINGS. STOCKlPROFlT SHARING ARE ALL TAX-DEFERRED SAVINGS PLANS.) Pension or retirwwit Tax-deferned saving!: 3fher (SPECIFY) Su .x*w20. .(SKU’ TO kos). && PLAN Q.28, PLAN 0.20. PLAN 1) 1) 1) 01 02

7~

GOTO
DON’ KNU\\’ WHAT T KIND ............ Fonnuln. .....

TO Q.20, PLAN 1)

.. .J!.!+ 1 2 3 .&

(SKIP TO Q.21.1, PLAN 1) ......... (S&&&&AN [CO TO 0.21, PLAN 1) PLAN I) I) ..........

Account ...... Both.,

DON’ Kh’ T O\v. .tSKlP TO Q.Zl.1,

5

_~_~.~_.~~__~_1.1_~!_1_1

yj&pJwA

.mzoq... ...... .........
1nt6 -_
YEAKS I) _.

99999999x

XT!OG- 51nc b x7207 -sbey;
1 _. <A K

Yes.. (IF R ASKS: INCLUDE CONTRIBUTlONS THROUGH SALARY DEDUCTIONS, Uh’ ION DUES OR OTHER SOURCES) No.. DOYT )(‘ -12& KNOI\‘ ,

.iCO TO Q.23, PLAN 1) &-PLAN

‘ \hlJ’ TO Q.24. PLAN I) __ ~_1.1__ml_mlPERCENT OR

NONE

~.~

.

.. ... .... ..

...

r-.\.-tim*r
‘ 2 999x

DON’ KNOW T GM+Ll--blJJ4jc Week . . . . . . ..~.~.......................Z

g::;r : : : : : : : :xyzc# Yenr................................,.,C. Other (SPECIFY)

+lq’ .w : : : : : : : : : : : : : : I$ t)s ub --I*

x42vl
AT AGE (__I__:

b!7cK
0ic I\; l__l__l YEARS iiT0 TO Q.25, PLAN I)

X72Ob
3,

Yc”’
.:z._wr

L _

DOWT EXPECT BiSEFlTS (SKIP TO Q.26. !‘ l~-\,y 1)

-M P4ll

X4202, X4302, X4402 Type of retirement plan 1 2 15 17 19 Pension or retirement Tax deferred savings Other federal government plan Other type of annuity/defined benefit plan (include ERDA plans here unless otherwise specified) Other state/local government plan

Tax-deferred savings

.(SKlP TO 4.28, PLAN 2) 02

Tax-deferred savings . . .(SKIP TO Q.28, PLAN 3) . 02

(GO TO 4.20, PLAN 2)

20.

Both.

(GO TO 4.21, PLAN 2)

3

Both. . . . .

(GO TO Q.21, PLAN 3)

.. ..

3

21.

21.1. 22. Yes . . .._..... (GOTOQ,W,PLAN3) .. I

23. OR OR

x4307 $l_l.l_l_l_l,l_l-l-l

y47907$I-l,l_l_l_l,l_l_l_l

Other (SPECIFY)

24. AT AGE l-l-1 OR IN i_l_l YEARS J’ +, (GO TO 4.25, PLAN 2) DONT EXPECT BENEFITS

DON’ EXPECT BENEFITS T

R-91

25.

About how much do you expect your benefits to be? (As a proportion of your pay at retirement, or as an amount per month or year when you start receiving them?)

vf2i 2

I I I.1I I%
OF FINAL PAY

NONE ........................... DON’ TKNOW ......................... Week ................................... xq2)(. ....................................... Month ............. Quarter ......... Year...............................~ Other (SPECIFY) 26. If you were to (leave this job/sell this business) now, would you stan receiving a monthly or annual pension benefit now, would you receive one later, would you get a cash settlement now, would you get nothing or what? (IF R SAYS “ROLL OVER” MARK “CASH SETTLEMENT”.) Benefit now. . . . Benefit later. Cash settlement. Nothing..
ROIIOVV

?.I ..mmv.+t+
9999998 81 3 _ Aa2 ~.I

-7
1) .

ti
01 02 03

(GO TO 4.26.1,

PLAN

(GO TO Q.26.1, PLAN 1) . . . .(S&% b), PLAN 1) . . . ..I.. -14

. t . . ..(SKIPTOQ.27,PLANl)

04

a6

Other (SPECIFY)

26.1.

About how much per month would you receive?

NONE

.Y~.-~~KMXW ...........................................
.... 9999998 . q BT fX? fi go $r 1 2 11

DON’ KNOW T Week $7~9,. .............. Month ........................... .............. Qu~%x.................................~: ~ear...................................~ Other (SPECIFY) 27. INTERVIEWER: IS THERE ANOTHER YES ......... PLAN? NO ............ fSKIPTOQ.40) ...............

--I

(GO BACK TO Q.19, PLAN 2) .......

R-98

PLAN 2 25

PLAN 3

NONE ......................... DON’ KNOW ...................... T Week ............................... Month .......... xqs,j.. Quarter .......................... Yaw ................................ Other (SPECIFY) 26 Bencfit now. ...... Benefit Iatcr. ..... Cash settlement. Nothing. ....... (GO TO 0.26.1,

?\.UbHH%999999X . q. .c .6 UT HI W w

NONE DONT

...................... KNOW ......................

..:.I

..+t,%H Y9999YX ..t. nf

..........

-7 W
PLAN 2) ... 01 02 03 04 06

Week ............................. Monrh .......... Quarter .......... YeaI................................c+ Other (SPECIFY) Benefit now. ...... Bwefit Inter. .....

.&

7w
01 02 03 04

(GO TO Q.26.1, PLAN 3) ... (GO TO 0.26.1, >I!l&,b&7. PLAN 3) .... PLAN 3)

(GO TO Q.26.1, PLAN 2) .... .@3 )&, PLAN 2) .....

Cash settlement. Nothing. Rallww .......

(SKIP TO Q.27, PLAN 2) .....

(SKIP TO Q.27, PLAN 3) .....

26.1

yq

31 y

sl_l.l_l_l_l.l_I_l_l .:I uwuuu0 9999998

)(yy/y

~l_l.il_l_l.l_i_l_l .?./.mmnnOn 999999X ..2 .ut

NONE ......................... DON’ KNOW ...................... T Week .............................. Month ........ g.T&!+2. Quarter ........................... Year.. Other (SPECIFY) 27 YES. ........ NO. ...........

NONE ........................ DON’ KNOW ...................... T Week ............................ Month ................ Q~uarter Year.. Other (SPECIFY) YES ........... NO ............

.2.Ai
...........

...........................

..L.

.Y. . ..~ 83 88 -7 l& ... 1 2

9. ii++ j(76.9.3 .............................
...5. k -7 H4 a u5 I 2 .(SKIP TO 4.39) (SKIP TO 4.40) ............ ............

.............................

(GO BACK TO Q.19, PLAN 3) (SKIP TO Q.40) ............

SAVINGS PLANS 2X. Cm you tell me :Llittle more about this plan? Is it a thrift or savings plan, a 401K. Supplemental Retirement Account (SRA), a profit-sh‘ xing plan, or what?

40lK/403B/SRA ............... ..... Profit Sharing .f!zj Stock purchase, ESOP ... ....... Other (SPECIFY) kL nrrq DON’ KNOW ............................. T

L. .......................... .......... .... &a+ -7

02 03 04 .tV 9x

II

29. For how many yeas altogether have you been included in this plan? (INCLUDE YEARS WITH OTHER EMPLOYERS, IF SAME PLAN.) 30. (Does your rmployer/Does contibutions to this plan’ ! the business) make Yes.. No.. . DON’ KNOW. T %q2lq I .(GO TO Q.30.1, PLAN I) ($‘ &~%?&&.PLAN I) (SKIP TO 4.31, PLAN I) I I.1 I I PERCENT I _. .$??a Y

30.1. What percent of your pay or xn”unt of money per month or ye,ar does (your employer/the business) conuibutc?

x4 zto

$I /,I I PRI,, I I I %$-y@
1 &Jf# 999X ..2. .& ?! +V .!?. 87

NONE ................................ DON’ KNOW ........................... T Week ............................... Month ~~22.. Quarter . Year...................................6.w Other (SPECIFY)

-7 W
I). X

3I.

Do you currently make contributions to this plan? (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY DEDUCTIONS. UNION DUES, OR OTHER SOURCES.) 3 I. I. What percent of your pay or itm”unt of money per Imonth or ytx do you currently contribute’ !

~~~.~.~.~.~.~.~.~.~.~.~.~l~~~ :; ::::::d
DON’ TKNOW...(SKIPTOQ.32,PLAN

a223

l-1

I.1

I

I PERCENT

DON’ KNOW ........................... T 999X Week ............................... ..z .++t Month ........... .xvz;T ........... 9. &? Qu,uter.................................$. & Year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..L .H Other (SPECIFY) -7 cn 32. Roughly how much money is in your account at present? (WE WANT THE AMOUNT GROSS OF ANY LOANS AGAINST THIS ACCOUNT.) Can you borrow against that account?

$~_I_l%!!J& DON’ KNOW T

I.1 .

I

I

I 99999999X I .$2 .A

33.

Yes. .(GO 0 34, PLAN I) .......... No ...................... (SK&&&?LAN I) ..... DON’ TKNOW...(SKIPTO0.35.PL AN I). ....... Yes.
No.

34.

Do you currently

have a loan against that account?

34.1. What is the amount of the lo:~n bnlnnce? ! 34.2. Did you tell me ahout this lonn exlier’

%l_l_l~27?

I.1

I

I

I

? 34.3. Where did you tell me ahout this loan’

x 7211

GO TO Q.35. PLAN

I

SAVINGS 2X PLAN 2 01 02 03 04 9X SAVINGS PLAN 3 Thrift or Savines . 401K/403B/Sti ProfitSharing ._ .f+!$!!c::::::::::: Stock purchase. ESOP Other (SPECIFY) ti ruhc+ 5he.t DONT KNOW 01 :: 04 /M 9X

Thrift or Savines 401K/403B/S6 ......................... Profit Sharing .... .$.~~j& ..................... Stock purchase, ESOP Other (SPECIFY) Cu n&s+ Sb+ DON’ KNOW .......................... T

___ ...........

-7 M

-7

29 YEARS DON’ KNOW T 31) Yes. No.. DON’ KNOW. T .......................... $30 TO 30 , PLAN 2) (S@ d&d .PLAN2) (SKIP TO 0.31. PLAN 2) 1 ..a a DON’ KNOW T

X722Y

Smrr
9X

yN~~.~,~.~.~.~.~.~.~,~,~,~~ ::xi
DON’ KNOW. T (SKIP TO Q.31, PLAN 3) .9

30.1

XC1319 I I I.1 LR IPERCENT
NONE ,?I *HIHH DON’ KNOW T 999X Week . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..z RT Month .._. xq.sz.\ __.,...._.. 9 e Quaner < W Y~~................................L. @I Other (SPECIFY) -7 la

DON’ KNOW ........................ T Week ............................ .................. $q!jz). Month Quarter..
Yex................................(;.

............................ ..
u4

..2. .‘ J

Y99X CrT J&I &H

Other (SPECIFY)
Yes. ,

-7

Hs

31 DON’ KNOW. T 31.1 (SKIP TO 0.32. PLAN 2) H

No. DON-f r(qy2)

KNOW. I
I

(SKlP TO tj.32: PLAN 3j
I.1 I I PERCENT

:

.t?

x4323 I I I.1 I I PERCENT XCr32Y 1.1 p",,I I I%% $1 I
NONE . . . . . . . . . . . . . . . . . . . . . . . . . . ..-\.~ DONT KNOW 999X Week .._......_.___.......__.._...., 2.4 Month __.... Quarter Ye:r................................ Other (SPECIFY) -76S

.j(Lj.3~. . . . .. . . . . . ..tt.Hp

DONT KNOW Week . . . . . . . . . . . . . . . . . . . . . . . . . . . . ...2.

9Y98 u)

,“23::::::wz3~::::::::::::~ ii
Year................................C. Other (SPECIFY) ew 7m
I,/ I I I Y9YYYY9YX .(GO TO .34, PLAN 3) SI DONT KNOW I lXY%x

32 si-1 DON’ KNOW T 33 Yes. %.GiG::t~~:~;~~; 1 %%6 I,1 1 1 1 99999999X 1 .:::?z

.(GO TO 0.34, PLAN 2)

Yes.

I .Gz .m

No. DON’ KNOW. T

PLAN 3) .3S,PLAN3).

34

34.1 34.2

34.3

GO TO Q.35. PLAN 2 \A 7210 1 /,,

GO TO 0.35,

PLAN 3

x7221

*%I

x7224 X7230

SAVINGS 35. If you needed money in ~1 emergency, could you withdraw some of the funds in that xcount’ ! (CODE “YES” EVEN IF WITHDRAWAL INVOLVES PENALTY.)
Yes .., . . . . . . . . . . . . .._

PLAN 1
. _..

1

No .._.._,. DON’ KNOW T All. Some .__.,. None .

., .

..~%%I.. .,, .._._.. ..sT:
.

36. If you were to (leave this job/ sell the business) now. would you lose ~111, some, or none of the money in this account?

(SKIP TO Q.37, PLAN 1) (GOTOQ.36.1,PLANI) (SKIPTOQ.37,PLANl)

.
I)

$
I 01

A

.. .

.._..._.. t.......

s..U’ Z 3:&l

Other (SPECIFY)

dY232
(GO TO Q.36.1, PLAN IPERCENT

--l&r

36.1. What proportion

would you lose?

X9233 I I I I.1 I
OR

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

hbb,

“ :~mllm&

01

Mostly or all interest earning

Snrursnu

/Mwsrnd
d L

P/m
-1w

OS
03

Split..................................... Other (SPECIFY) KNOW

X’ 13 T DON’
3X. INTERVIEWER: IS THERE ANOTHER PLAN? YES. NO.. 39. (IF 4 OR MORE) Altogether plan(s) from this job?

.,

. . .._ __..... _.....
PLAN 2) (SKIP TO Q.40) for any other pension pl;m(s) or savings

‘ ?8 1 II 2

(GO BACK TO 0.19,

how much do you have in your account h:dancc(s)

#‘ I3b
3Y.l. Altogether,

$l_l_l_l.1_l_l_l,l_l_l_l NOTHING DON’ KNOW T what other benefit payments

>(w/lcl - lvw+f
.r 1. &+%%t#@ G4tMQSL other pension plan(s) from this job’ !

do you expect to receive from (this/these)

I
I

SAVINGS 35. Yes ................................... ... w-a

PLAN 2 1 Yes

SAVINGS ...................................

PLAN 3 * ..c & 8 PLAN 3) ........ ...... . 3_& . .<a -7 PLAN 3) I PERCENT &f 01

No ............. DON’ KNOW T 36. All ........ Some.. None ......

.........

.......

.5-.

+? 8

No .......... DONT KNOW

yc/v3/ ...................
........................... (SKIP TO 4.37,

........................... (SKIP TO Q.37, PLAN 2) ........ ..... ..... .3. .s;Tw

01 @f?

AU. ....... Some ...... N one ......

.. ..(GOTOQ.36.1.PLAN2) (SKIP TO Q.37, PLAN 2)

(GOTOQ.36.1.PLAN3) (SKIP TO Q.37, PLAN 3) 1 +jzz (GO TO Q.j6.1, I.1 I

Other (SPECIFY)

14 332
(GO TO 0.36. I, PLAN 2)

-74

Other (SPECIFY)

9

333

I I I I.1 I I PERCENT
OR

)(4y331 I 1

r7vtb
Rcrl cr*

51_1,1_1_l_l.l_l_l_1
01 ....... bJ h/ MC .oJ(42 65 R&M.& Plw, 03

~ x7&#9p 51_1._1 I., :“
Mostly or dl stock

I I I
01 OY
02

Mostly or all stock ........................ Mostly or all interest earning %aw..-u ] Split .................................. Other (SPECIFY)_ x 4

........................
.................

lb’ cs4wk Mostly or all interest earning 3~me-l(+/~~
Split.. ................................ xqq Olher (SPECIFY)

P)*c\

OS
03

-7.W
.. 9’ 8 .... I 2

34
............. ............

2
DON’ KNOW T YES. ....... NO. .......... ........................ (GO BACK TO Q.19. PLAN 3) (SKIP TO Q.40) .............

-7.w
& 1 2

H-7231
DONT ICUOW .......................... (GO TO Q.39) .(SKlP TO Q.40) YES ........... NO ...........

I
X4216, X4316, X4416, X4437 Type of retirement plan
*1 1

2 3 4 7 11 12 13 14 17 18 24 25 26 *la

--> -7 Pension or retirement Tax deferred savings/Thrift or Savings 401K/403B/SRA Profit sharing Stock purchase/ESOP Deferred compensaton IRASEP (not to be confused with a regular IRA) Defined-contribution plan; TIAA-CREF (Teachers Insurance and Annuity Association/College Retirement Equity Fund) Money purchase plan Tax-deferred annuity (TDA); tax-sheltered annuity (TSA) Other type of annuity (include ERISA plans here unless otherwise specified) Salary reduction plan; deferred compensation plan Other state/local government plan Other federal government plan Other type of account --> -7 Combination

40.

Are you doing any work for pay now, other than your main job, such :IS R second job, the militnry business of you own’ ? Yes
No 40.1. w.n2 Is this it second job, the militnry (GO TO 4.40.1) (SKIP TO Q.44) I Y (CODE

reserves. or (another)

I

s ALL THAT APPLY.)

reserves. your own business. or wha? (SKIP TO Q.41)

XYSC,

XYSW
40.2.

3

Second job Militay Business Other (SPECIFY)

Or
m

x4su.r

(SKIP TO Q.41) (GO TO 4.40.2) -7ns

m

6= CMJA,+

(SKIP INTERVIEWER:
YES NO 41. DOES R WORK

TO 0.41)
REPORTED IN SECTION I 2 F!

FOR

A BUSINESS

.......................................... ..........................................

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

yq537
42.

I

I

I

I#HOLJRS

Counting paid vxntions f(Js7) 8 l_l_i

:s weeks of work. how many weeks do you work on these other johs in ;L norm:d yc:lr? # WEEKS

43.

Ahout how much do you earn before taxes from these other jobs? (Is that pa hour, week. month. year. or what?) X3509 51 NONE DON’ T IJ I I 111 I I I.1 I I

.................................. KNOW ...........................

999999998 ..+I-)? *
. . LH +tHC .

Hour ...................................... Day ......................................... ti4sIo
Week ...................................... Month ...................................... Quarter......................................~ YZ~U........................................~ Other (SPECIFY) 44.

1

1&w (IF R IS

Thinking about all your cutrent work for pay, do you consider yourself to be working full-time or part-time! LAID OFF OR A SEASONAL WORKER, ASK ABOUT “JOBS WHEN R IS WORKING”.) Full-time ........... Part-time ........... (GO TO Q.45) ................. (SKIP TO 0.46) ............... I

2

WORK 45.

HISTORY

FOR R’ CURRENTLY S

WORKING

FULL-TIME Including ‘ any perio& full-time’ ? of self-employment. (Roughly the

(READ military.

SLOWLY:)

Now I have a few questions

about your past jobs.

and your current

iob. since you were 18, how many years have you worked

how many ye&!)

xw2
45.1.

l-l-1 #YEARS
LESS THAN ONE ..(SKIPTOQ.45.9) ..t.i..+ employers have you worked in fullYEARORNONE

Including any self-employment and your current job, for how many different time jobs lasting one: or more?

)&St 45.2.

3
Now.

/_I_1#EMPLOYERS
not counting Yes No your current job. have you wx (GO TO Q.45.3)

r&NE

=

-

\ job that kstcd I .A 5 for three ycxs or more’ !

had R full-time

ws14

(SKIP TO Q.45.9)

Someone else Self-employed (m c.c,,&. burtnrrr)

01

i%,‘ ~.~),.vhrm
45.4. (Tell me :L little x7w5 more ah&t what&u

JmuW/deAl
did:)

-

1

02

i%

What sort of work were you doing when vou left that ioh?

45.5.

What kind of business or industry worked:’

did you work in -- that is, what did they mxke or do at the place where you

45.6.

In what yalr

did you swt

working

!(4Slk 191_1_1 45.7. In what yea

x7233
Asc

at that job?

x723q
+

vrs. at that job?

did you stop working x723’ s

X7236
vra+ (Is that pqhour, week. month, ycx. 01

X‘ JSrY
4s.x. )(yz” &) About what?)

191_1_1

+

how much were you earning before tnxes when you stopped’ ! %l_l,l NONE DON’ T Hour I l I.1 I I I.1 I I

.............................. KNOW ...........................

-1. W
99999999X CrrlP eI W i U-9 vii _..................... L&6 c k+?- -7

........................................

X4s2r

Day ......................................... Week Month ....................................... Quarter....................................... Year .._ . Other (SPECIFY)

........................................

+9+)1-/05

45.9.

Since you were 1X. have there been years when you &

worked ..............

pat-time? 1

w522
45.10. Ahout

Yes

..............

No ...............

(GO TO Q.45.10) (SKlPTOQ.45.11)

.............

.

s

how many years in total did you work part-time’ ?

X4-523
45.11. Thinking

‘ dEis
XYSZY I I I
#

A/WE= -/
X7220
J
do you expect to stop working

now of the future, in what ytx

I
P’ ra
STOP

I

c

y

full-time’ ?

cbe

X7237
-2 &K&G

Jrr

NEVER DONT DcgC& 45.12.

(SKIP TO 0.4X. PAGE R-l 11) &UP TO 4.48: PAGE R-l 11;

KNOW

j ; ti

Do you expect to work p;m-time Yes ................. No ..................

.after that?
(GO TO Q.45.13) (SKIP TO Q.48) ........... ........... R 1

X~S25
45.13.

DON’ KNOW/DEPENDS T

.. (GO TO Q.45.13)

..........

A-7

<

_) x67.52 &.uu&rkr

NEVER STOP DON’ KNOW/DEPENDS.. T

_.

.:,2+9‘ 99
.T? yssc) 3

X6732&e.&

r)ycl

(SKIP TO Q.4X. PAGE R-I 11)

WORK 46.

HISTORY

FOR R’ WORKING S ;t fw questions

PART-TIME

NOW Including any self-employment & your current job. sinct: you were IX (Roughly how many ye:us?)

Now I h:w

ahout your past work.

:khout how many yaw

in total have you worked

part-time

for all or most of the y&!

l-1-1

YY527
46.1.

#YEARS
1 YEAR

LESS THAN

.’ I.

CT

Since you were IX, hwc Yes .............. No ...............

you ever worked

full-time

for p;ty--including ............... .............

any self-employment
I

and the tnilitxy’ !

(GO TO 0.462) (SKIP TO 0.46.14)

2-

r

I
46.3. INTERVIEWER CHECKPOINT -- SEE Q.46.2.
R HAS WORKED FULL-TIME FOR 5 YEARS OR MORE ORDK __........ (SKtPTOQ.46.6)

I

._..........__

1

46.4.

In what yea did you last work full-time for pay?

46.5.

About how much did you earn before taxes that year? (Is that per hour, w&k, month, year, or what?)

NONE ...............................

DONTKNOW Hour

.............................
......... ......... ......... ......... ......... .........

.?-I.%999913

e+rk
4221

XYrn

z&y
Month Quarter Year.. Other (SPECIFY)

2
87-7

~46

(SKIP TO 4.46.14) 46.6. Including any self-employment and your current job, for how many different employers have you worked in fulltime jobs lasting one or more?

46.7.

I want to know about the longest full-time job you had. Did you work for someone else, were you self-employed, or what? Someone else Self-employed/&.

fcj535
46.8.

r~latcerp-k

.bv.r.rtu.d

01 02

What sort of work were you doing? (Tell me a little more about what you did.)

46.9.

What kind of business or industry did you work in -- that is, what did they make or do at the place where you worked? X7408

46.10

When did you stat working at that job? 19l_l_l C v(th
b

46.11,

2 XWT3% x7 41 When did you stop working full-time at that job? 19l_l_l

X72 43r

xv35

y4J;L13

vG*+ X72Vy R-107

46.12.

About how much were you earning what?)

before taxexeswhen you stoppedl

(Is that per hour, week, month, year. 01

!4mo

_, $’ ”
NON!?

_I_l_L_I_1_1.1_1_1

-I.-aAennne
999999x .......... .......... .......... .......... .......... ..........

DON’ KNOW T Hour Dav W&k .......... Month ......... Quxter Yex Other (SPECIFY)_ 46.13. In what ye:u did you kwt work full-time
191_1_1

m

12

. . ..gj

‘ -i

Q66

for pay?

46.14.

ww92
Thinking now of the future, do you wpect
Yes

to do any full-time

work for pay? 1 y 5 8 -7

.._ (GOTOQ.46.15)

‘ ysL13 46.15.

No .._._ DON’ KNOW/DEPENDS. T

(SKlPTOQ.46.17) (SKIP TO Q.46.17)

..,,,..._._ ,,,._.___.

9

x6753(-f)

4w+ 46.16. And in what year do you expect to stop working I Y?T OR (GO TO Q.46.1:) *cc 0 NEVER S 7 OP. DON’ KNOW/DEPENDS. T 46.17. I I I I (S$IPTOQ<K) I full-time’ ?

-7

3

x7701
l_l_l AGE (GO TO Q.46.17) .(SKIP TO Q.4X) (GO TO 4.46.17) !J@% -2 .9998 -7

+

to stop working OR

for pay altogether’ ? x7-702 IL-1 AGE (SKIP TO Q.48) x72a p+

NEVER STOP. DONT KNOW/DEPENDS.
WORK 47. HISTORY FOR R’ CURRENTLY s

.(SKIP TO Q.4X) (SKIP TO Q.4X)

.9ep6 -2 9YYX --j
HOMEMAKER,

_,
j %

&473s[yj5)
OR OTHER.

RETIRED/DISABLED,

STUDENT,

Since you were IX have you ever wurked full-time Yes No ...............
47.1.

for pay? ............... ............. I &$

..............

(GO TO 0.47.1) (SKIPTOQ.47.12)

How many yexs have you worked full-time for all or most of the year’ ? Irrclude ;my periods of xlf-employment, and the military. (Roughly how many years’ !)

47.2.

INTERVIEWER

CHECKPOINT -- SEE Q.47.1.

R HAS WORKED FOR 5 YEARS OR MORE FULL-TIMXORDK ,(SKIPTOQ.47.5)

,.............

1

47.3.

In what year did you last work full-time

for pay?

47.4.

About how much did you earn before taxes that year?

(Is that per hour. week, month, year, or what?)

NONE

?\

.-

DONT

KNOW

9999998 . . . . . . . . . . . . . . . . . . . . . . . ..~
_.......__ _...., _.......__ .. __ .., . . .._ . . _........ _...... ___ _..

How . . . . . . . . . . . . . . . Day . . . ., . . . ..___ Week _.......... ___ Month . . . . . . . .._ ___ Quarter . . . . . . . . . __ ___ fear...................................... Other (SPECIFY)

. . . ..___

Iv 82 1 . . ‘ J3 2 __.. 89 __ __.. 85 r 86 6

TO (SKIP

-1s

4.47.12) have you worked in full-

47.5.

Including any self-employment and your current job, for how many different employers time jobs lasting one or more?

47.6.

I want to know about the m or what? Someone else Self-employed [*

full-time job you had.

Did you work for someone

else, were you self-employed.

m-.ed

.bvVnkrZJ.

01 02 e-7 about what you did.)

47.7.

47.8.

What kind of business worked?

or industry

did you work in -- that is, what did they make or do at the place where you

XWlO
47.9. In what year did you start working at that job?

Y%Jl

19l_l_l 47.10.

w72s3

Y725-v

In what year did vou stop working

at that job?

47.11.

About how much were you earning what?)

before taxes when you stopped?

(Is that per hour, week. month, year, or

NONE

............................

.:.I. .99999999X ........... ........... ........... ........... ........... ...........

DON’ KNOW T

...........................

@I.

19

Day

................

Week ............... Month ..............

Quarter Year
Other (SPECIFY)

_*

-0aV 45 I!%5 -7
for all or most of the ye&
I

*2

*I

47.12.
xc/G./r 47.13.

Since you were 1X. were there any years when you (only) worked par-time Yes
No.. _.

(GOTOQ.47.13) (SKIPTOQ.47.14)

.3

r

For about how many years did you work part-time

(for al1 or most of the yew)‘ !

47.14.

Do you expect to work for pay in the future’ ?

%‘ /G 47.15.

I7
+b

Yes No _..

.._..

(GO TO Q.47.15) (SKIPTOQ.4X)

1 ,,, ..a5

In what year do you expect to start working?
I

I

I

I

I

x72s7
vcos

Y72sB
9’ 48 -7 3‘ +

OfYEARs D%!%%W,DEPENDS

f&736&~+)

47.16.

Will any of that be full-time

worltl .(GO TO Q.47.17) .(SKIP TO Q.47.19) (SKIP TO 4.47.19)

jWb1’ 3

Yes No ... DON’ KNOW/DEPENDS. T ................

.................

...........
52 ............

I

?.7. 4t +

Xb7.W(yc++)

47.18.

expect to stop working

full-time’ ?

(GO I TO 4.47.19)

O~QA
47.19.
#t*

.(SKIP TO Q.4X)

In what yenr do
EARS I @bfl

.+Y% --I rut
4445 .9%++

+x
:7”2 -2 _ 7

ou ex ect to stop working

I’ pay alto ether? m

I cI+LnL*+ 1
SkWk _-,

OR

(GO TO Q.4X) NEVER STOP DON’ KNOW/DEPENDS. T

I&@ (GO TO Q.4X) .(GO TO Q.48) (GO TO Q.4X)

)(67xq

[y$)

A&-L9-110

48.

INTERVIEWER:

SEE HOUSEHOLD

LISTING,

P. 1
(GO TO Q.49) PAGE 115) I 2

R 1S MARRIED/LIVING ALL OTHERS..

WITH PARTNER

(SKIP TO 0.96.

IF SPOUSE/PARTNER IS PRESENT, TRY TO OBTAIN EMPLOYMENT INFORMATION FROM (HIM/HER) DIRECTLY.
I

I

I
At what age or in how many years do you expect to stop or start working full time? X6732, Y6733,1WW, X&‘ Js; I’ X&X\,

m .... 3
..I

5 6 7 a 9 '10 +11 *12 *13 l14 *15 *16 *17 *la *19 *20 *21 *22 *95 *99 *99

Number of years __> -2 Never stop As long as health lasts, as long as I can Until have children Until return to school; until get married; until other non-work activity Until finances are adequate; ****depends on finances Depends on Interest, How I feel Depends upon opportunities/economy Never go back full time Whenever find job, ASAP Depends upon health After school, children Only if need to, no plan When R can turn over/sell the business Depends on retirement age/incentives in future Depends on what spouse does; depends on spouse health Depends on family needs/situation Depends on whether part-time work is available Depends on when liscensed Uncodable response Don't know Refused

Year Age

‘ 6737, I(

x6739,

X6739

X6736,

Do you expect to work part-time after you stop full-time work?
1

X67R
5

Yes

2 3 4 *11 6 7 8 9 *95 *9a *99

--> If health lasts; if "feel like it"; health of other family members If need the money; if "need to"; the neconomy" If get bored If still enjoying work If there is an interesting opportunity --> Probably yes --> Probably no Uncodable response Don't know/maybe Refused
No

1 5

Do you expect to do any full-time work for pay?

wc7s3

1
4

'~,

l11 6 7 8 9 *13 *15 *19 *21 *22 *95 '98 *99

--> 5 NO If health lasts; if "feel like it"; health of other family members If need the money; if "need to"; the "economy" If get bored If still enjoying work If there is an interesting opportunity >1 Probably yes > 5 Probably no Whenever find job, ASAP After school, children Depends on what spouse does; depends on spouse health Depends on whether part-time work is available Depends on when liscensed Uncodable response Don't know/maybe Refused

Yes

Will any of that be full-time work? 1 2 4 fll 6 7 8 9 *10 *95 l98 *99
Yes
NO

Xb7W

--5 5 As soon as can find full-time job Depends on opportunities/interest Depends on pay Depends on health or health-related issue No particular plans Expect to go into self-employment/expand time for Self-employment Depends upon family or child-care issues Uncodable response Don't know Refused

,

EMPLOYMENT

OF R’ SPOUSE S

(Q.49~Q.95.20 APPLY TO R’ SPOUSE/PARTNER) s ,,__49.

We are interested in your (hush: unemployed and looking for work. disabled THAT APPLY.) (SHOW CARD 14)

and unable to work, retired, ;L student. a homemaker.

or what?

(CODE ALL --t=J/#

3:bea&afC
ANY OTHER CATEGORY, AND GO TO Q.SO. ASK CaK

IF S IS “WORKING NOW” m ALL FOLLOW-UP QUESTIONS

Working now or
On strike Temporarily laid off; on sick or other leave Unemployed and looking for work Student Homemaker Disabled Retired Other (SPECIFY)Av (SKIP TO Q.SO) (GO TO Q.4Y.1) (SKIP (SKIP (SKIP (SKIP (SKIP TO TO TO TO TO Q.4Y.3) Q.4Y.3) 0.49.3) 0.49.4) Q.49.4)
thcck

01 02 03 04 05 Oh 07
M-7

nru+

(SKIP TO Q.49.3) 49.1. Does (he/she) expect to go back to this job? Yes No 49.2. (GO TO 0.49.2) (SKIP TO 0.49.3) I ,Z 5

When did (he/she) last work on this job?

NOTE:

C0NSIDER

THIS SPOUSE’ S

“CURRENT

MAIN JOB” FOR PURPOSES

OF @SO-Q.87.1.

49.3.

Is (he/she) doing a Yes No

work for pay at the present time’ ? (SKIP TO Q.50) (SKIP TO 0.95) disabled)? xvwf 191_1_1 YEAR I ,Z

49.4.

When did (he/she) (retire/become

h72&Lj

X72b5
Yn. pso

49.5

Is (he/she) doing m

work for pay at the present time? (GOTOQ.50). (SKIPTOQ.95) main job. ................ ............. Does (h&he) 1 ..z 5 else, is (he/she) self-employed

pl~~5
50.

Yes .............. No ...............

Next are some questions or what’ !

about (his/her) current,

work for sotneonc

Pi3OG
_~.,’

Someone else Self-employed

(GO TO Q.51)

I
02,

(SKI! BUSINESS” w,ou&

TO Q.62) C DE “SEL -EMPLOYED” bus.;usr acud by

%&u&,&//4r IF R SAYS, “SPOUSE RUNS 0 0%~ n.w,-

fk+dwJ~dm)rl

03

Pai m.

-

a-112

Codes for X4700 Worker only Worker + disabled Worker + retired Worker + student Worker + homemaker Worker + unemployed/looking for work Worker + temporarily laid off (NO at R1.l, YES at R1.3, RZ=current job) NO CURRENT WORK FOR PAY: Temporarily laid off only (R2=job laid off from, to 20. which R expects to return [YES or DK at R1.11) Temporarily laid off--does not expect to return to 21. job and no current work 30. Unemployed and looking for work 50. Retired only 52. Disabled only "Homemaker" is a low priority working status coded only in 80 and 15. For other combinations including "Homemaker", choose a code on the basis of the other item(s) checked. 70. 80. 85. 90. Student only Homemaker/other not in labor force only Unpaid volunteer Unpaid family workers: R's who volunteer that they work in a family business or farm and are unpaid. (Do not include here "volunteer work" for charitable or non-profit organizations.) Other combination incl. WORKER Other (incl. combination) not including WORKER Absent spouse not included in IW Inap. (No spouse) 11. 12. 13. 14. 15. 16. 17.

96. 97. 199. 0.

62.4.

About how many years does (he/she) expect to continue working for (himself/herself/this RANGE

business)? ACCEPT

“, .,

I(1
# YEARS NEVER STOP DON’ KNOW T 62.5

OR

UNTIL

AGE III

.___,....,,...._.._.._____.._....

96 9X

How many hours does (he/she) work (for himself/for herself) in this business in R normal wcekY I I I I # HOURS Counting paid vacations as weeks of work. how many weeks per year does (he/she) work on

62.6.

(READ this job?

SLOWLY)

l-l-1 # WEEKS 62.1. How is (he/she) pnidl Is (he/she) paid a regular salary or wages? (GO TO Q.62.8) (SKIP TO 4.62.9) I

Yes No
62.8.

if

$

How much in salary or wages is (he/she) paid beforc taxes? $I IJ I I I.1 I I .._ KNOW _. __ ___ ._ .._ _.........,. _._ . . . . . __ .,_ _.. ., . . . __ _. __ ___ __ ., __ ___ . . . I.1 ___ I I OoO@JX#J 999999998 _..... .._.. .._ . . . . . 01 02 03 04 OS 06

NONE DON’ T .__; Hour Week Month Quarter Year

___ __._ __ ._ ___

. . . . .

. . . . .

Other (SPECIFY) 62.9.

Does (he/she) (also) receive a portion of the net earnings. or some other kind of incume?

Yes
No.. 62.10.

.............. (GO
.............

TO Q.62.10)

..............
.............

(SKIPTOQ.62.11)

I 2s

(In addition to regular salary,) how much does (he/she) personally receive from the business before taxes? (What did (he/she) get in 19911) $I I IJ I I I11 I I IJ I I m-1 9999999998

xL173\ x43332

NONE DON-f Hour

._____.......................... KNOW ..........

Week .......... Month ......... Quarter ......... Year.. ......... Other (SPECIFY)_

.............. .............. .............. .............. ..............

62.11.

Is (he/she) covered on this job by a union or employee-tlssociation Yes . . . . . . . . . . ,.,

contract?

No...........................................
62.12. Does (he/she) have ‘ any type of insumnce, other than social security the event (he/she) became disabled? Yes ._.__....,....:_..__.,,.,,................ No .._.._,,..,....__...__.._,,..,..__.._.,.... 62.13. Aside from IRA or Keogh pl~ans. is (he/she) included [(his/her) work/the business]? (SKIP TO 0.65) (SKIPTOQ.XX) plans, and some provide

I
2 that would provide (him/her) with income in

I 2 in any pension plans or taxdeferred savings plans through

Yes No .,..._._.._.... 63. Many employers have pension or n&went

.._..... tax-deferred

I 2 pl:ms such as thrift, savings, 401Ks.

profit shnring, or stock ownership plans, some plans sp:m multiple jobs, for example. TIAA. CREF, union pkms. etc. IS (he/she) included in any pension or retirement plans. or in any w-deferred savings pkans connected with the job you just told me about? IF R MENTIONS (DO NOT INCLUDE IRA OR KEOGH SOCIAL PLANS. SECURITY.) NOTE IN MARGIN AND SAY: “ We covered those earlier in the interview

Here, I just want to find out ahout other plans operated through

(his/her)

employer.” 1 5 K

Yes .............. (SKIP

TO Q.65)

...............

No...............(GOTOQ.64).................~ DONT KNOW ...... (GO TO 4.64)

.................

64.

Does (his/her)

employer Yes

offer any such plans? .............. (GOTOQ.64.1) (SKIPTO Q.XX) ............... I

No ...............

...............

2’ 5

64.1.

Is (he/she) eligible Yes

to be included

in any of these plans’ ! (SKIP TO Q.88) (GOTOQ.64.2) (GO TO 0.64.2)

No .__..___..,....
DONT x4 7/3-&G 64.2. ?/? Will KNOW

1
.,..._____..... p5 X

Whuf Kin& d +dMU ate (he/she) be eligible if (he/she) continues Yes

-))lwc 5

see

nc#f

dwe+
1 .g’ s.
X

to work for this employer?

xq738

No
DEPENDS DONT KNOW

(SKIP TO 4.88) (SKIP TO 4.88) (SKIP TO 0.88) (SKIP TO Q.XX)

if-7

I

I

I

I

# PLANS
65.1. Is (he/she) currently Yes No receiving benefit payments from any retirement plans from this job? 1

._,

(GO TO Q.65.2) ._ (SKlPTOQ.66)

.Ts

-

R-lib

I
51.
What is the ofticitd title of (his/her) jobl (The title tlmt (his/her) employer uses?)

‘ ~7, 51.1.
INTERVIEWER:

OFFICIAL

JOB TITLE REPORTED IN SECTION F!

DOES SPOUSE WORK FOR A BUSINESS CHECK 4.22. PAGE F-47. __ .,., _____

YES _.., ._ __.., ._ _.. NO _...,...__...,...._....,,...__..._._...... s2. What sort of work does (he/she) do on (his/her)

_......

I 2

main job?

(Tell me a little more ahout what (he/she) does.)

53.

What kind of business or industry works’ ?

does (he/she) work in--that

is. what do they make or do at the pk~ce where (h&hc)

X3912
s4. How many hours does (he/she) work on (his/her) main job in :i normal we&?

ss.

(READ normal

SLOWLY) yea?

Counting

paid vacations

as weeks of work, how many weeks does (he/she) work on this joh in ii

56.

About how much does (he/she) earn before taxes on (his/her) XwJt $I

main job? I _. I

(Is that per hour, week, month. yau, or wh:it’ !)

I

I
_.

IA
_.

I

I

Id _.

I _.

I

I.1

NONE

_. -H+WWHH 9999999999X

-1

Pi713

DONT How Week

KNOW ,.........,,........,,.,,,..............~

.._ ..____ .._ __ _.......
+‘ this company d you am for

llf @! t WY uer !xb

Month . . . . . . . . . . . . ..___........_..__......... Qu‘ arter....................................... Year......................................... Other (SPECIFY) 57, $pbSg tbw p&h out how many emp oyees war

yk-?

In -Me past year or orgamzatlon. tncludt g all locations?

(Is it fewer than IO, IO to 19,

20 to 99, IO0 to 499. or 500 or more?)

58.

How many yecars in totaI has (he/she) worked for this employer? Xqq/s III OR SINCE 19 l-l-1 x 7 VOc,

# YEARS
LESSTHANAYEAR ,_..,_..._..___.__._..__.. ?. 01

x72&r sin&f +je

59.

How many years does (he/she) expect to continue )(L(7/ClIl OR

working for this employer? UNTILAGEI~I

(ACCEPT

RANGE.)

#YEARS
NEVER STOP.. DONT KNOW

X7707
_. _. .7tj6 9X

x 7267
until yr.

_.

60.

Is (he/she) covered on this job by :I union or employee-nssoci:ltion

contract’ !

Fe 17
61.

Yes .......................................... I
No..

.......................................

..Z5
with income in the event

Does (he/she) have any type of insurance. (he/she) hecnme disabled?

other than social security that would provide (him/her)

x

7708

Yes No _...___..,._,,,

(SKIP TO Q.63) (SKIPTOQ.63)

.__..____...._.

I 2s

::,.,

(OFFICIAL

JOB TITLE)

62.1.

INTERVIEWER:

DOES SPOUSE WORK FOR A BUSINESS CHECK Q.22, PAGE F-47

REPORTED

IN SECTION

FI

YES .......................................... NO ..........................................

I 2

62.2.

What industry does (he/she) work in? That is, what do they do or m,ake? (What industry does (he/she) M work in?)

62.3.

How many yexs

has (he/she) worked for (himself/this business)? (RECORD LESS THAN ONE YEAR AS 01.) OR SINCE 19 l-l-1

III # YEARS

What kinds of plans are these?

2’
'-, 3
‘ ~ ; 4 7

8
9 10

11

13 14 15 16

> 2 401K/403B/SRA Thrift or savings >l Profit sharing Tax-deferred annuity (TDA); tax-sheltered annuity (TSA) Stock purchase/ESOP/Employee stock option plan Deferred compensation IRA-SEP (not to be confused with a regular IRA) Defined-contribution plan; TIAA-CREF (Teachers Insurance and Annuity Association/College Retirement Equity Fund) Money purchase plan Salary reduction plan; deferred compensation plan Other state/local government plan Other federal government plan Other type of account

1’ ‘ about the benefits later. 11 ask drawing benefit payments? Yes No.. 65.3.

Are there any retirement

or savings plans from u

job where (he/she) is not

.............. (GO TO Q.65.3)
............. (SKIPTOQ.88)

............... ...............

I ,Zr

How m:my such plans does (he/she) have?
I I I I

# PLANS--NOT RECORD

YET RECEIVING

BENEFITS

# PLANS IN BOX AT 4.66, NEXT PAGE

66. 61. ..-

I(IS this/About the (next) most important of dxse plans, is it) R pension or retirement PINI. or a kzx-deferred savings pl.ul of some sort? (IF R ASKS: 401-K, 403-B. ESOP, SRA, THRIFT/SAVINGS. STOCK/PROFIT SHARING ARE ALL TAX-DEFERRED SAVINGS PLANS.) Pension or retirement Tax-det&ed
savings

PLAN

1 01 02 -+2fl

(GO TO Q.68, PLAN 1) . .(SKIP TO 4.76, PLAN 1)

Other (SPECIFY)

xq_&t 2 (GO TO 4.68, PLAN 1) DON’ KNOW %&AT T set Ace KIND.. .._... ,...... (GOTOQ.bg.PLAN I)

nat

t
98 1 .2 . 3 8

6X.

(SHOW CARD 1 I) I would like to know whttt genertl type of pl.at this is. (In the most camtwn pension or retirement plan, the monthly retirement benefit paid is usually based on n fomwla involving age. yews of service and snlwy. In other plans. money is tscumulated in an account for you until your retirement.) Is (his/her) (first/next) plan like the fomuda plan or the account pla? For that pan of (his/her) plan where money is accumuiated in an account, how much is in the account’ ?
long has (he/she) been in the

Fomtula. Account... Both

.(SKIP TO Q.69.1, PLAN 1) wo . ..(SKIPTOQ.76.PLAN . .(GO TO Q.69, PLAN 1) .(SKIP TO Q.69.1, PLAN I)

. _,

3

I)

DON’ KNOW. T

69.

%I DON’ KNOW T Z.1 G

I

I

I.1 X4804

I

I

I.1 .

I .

I

I 999999998

XlT71_2

plan?
70.

AT173 YEARS ~;rkc~~

272’ 5;nu
I . cg 8

Does &‘ &) pl,an?

currently

make contributions

to this

Yes No.

(GOTOQ.71,PLANl) .!$!I?T%Q.72, PLAN 1)

(IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY DEDUCTIONS, UNION DUES OR OTHER SOURCES)
71.

DON’ KNOW.. T

(SKIP TO Q.72, PLAN I)

What percent of (his/her) pay or amount of money per month or yenr does (he/she) currently contribute?

I

? ‘ 8”

‘ :

I PERCENT

NONE . . . . . . . . . . . . . . I$miv~~nw.ti~ v;rl’ s’

.

. . .

. .

. ?j.&M%

...

;29998

Week . . . . . . . . . . . . . . . . . . Month . . . . . . . . . . . . . . . . . Quarter.. . . .-. Year . . . . . . . . . . . . . . . . . . . Other (SPECIFY)

. . . . . . . . . . . . . . . ..~Sr . . . . . . . . . . . . . . ..ti &iZ _. . K’ cn . . . . . . . . . . . . . . . ..k W -‘ Lo5

72.

At whttt nge does (he/she) expect to stat receiving benefits from this pl,ul?

AT AGE l_Ll

OR

lq

809

IN l_l_l YEARS (GO TO 9.73, PLAN 1) Dt% E&i?& BENEFITS.

13313
y721s

(SKIP TO Q.74, PLAN 1)

.Y&

.H(

PLAN 2 61 Pension or retirement Tax-deferred savmgs (GO TO 4.68, PLAN 2) &UP TO 4.76, PLAN 2) 01 02 Pension or retirement Tax-deferred savings

PLAN 3 (GO TO 4.68, PLAN 3) .fifUP TO 0.76, PLAN 3)
9

.

01 02’

Other (SPECIFY)

Xv90 2

-7p3
98 0 ‘ T 1 2 3 X

Othei (sPEcuw
DON-T iu-iuw KFNn . Formula. Account Both DON’ KNOW. T

-783
9P 1’

(GO TO 0.6% PLAN 2) DON.1 KNOW w?IAT’ 5CC -nCi+ Jhief IUND .__ . . (GO TO 0.68. PLAN 2) 68 Formula. .(SKIP T0~0.69.1. PLAN 2)

(GO TO 4.68, PLAN 3) WHRT 9 nuC+ shed' (GOTnohX,PLAN3) .._ .(SlUP TO 4.69.1. ( $30 TO Q.69, PLAN 3) PLAN 3)

.76, PLAN 2) Both DON’ KNOW. T .(GO TO 4.69, PLAN 2) .(SKlP TO 0.69.1. PLAN 2)

3 8

.(SKIP TO Q.69.1, PLAN 3)

69

~l_l_l_l.l_l~l_l,l~l_l_l

$I_l_l_l.l_l_l_l.l_l_l_I

DON’ KNOW T 69.1

I

x4904 99999999X K1fjJ-j x7232 X7281
YEARS 5;raCRtc %ed I _.... s.& 8 Yes. No. DONT . . . (GO TO 0.71. PLAN 3) . &Do* ’ .(SKlP TO Q.72, PLAN 3) KNOW. (SKIP To 4.72. PLAN 3) , $2 8 1 (GOTO0.71.PLAN2)

Yes No

..___

wr1ps(KIPTOQ.72.PLAN2)

DON’ KNOW. T

(SKIP TO Q.72. PLAN 2)

1 I I.1I

I PERCENT

I

I

I.1

I

I PERCENT

$1_1.1_1_1_1.1_1_1_1
NONE

W%l

.:I
_.*

IJC&I~~~+rgyC

438W 9998

NONE

. . . . . . . . . . . . . . . . . . . . . . . . . .

..............
-2

..7l.MF.t)
9998 . . jb! Cy

Week . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..Z~ Month . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..~e?.

Quaner
Year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other (SPECIFY)

.fA3

..(I. 04

-78s

Week .............................. Month ............................... Quarter ___,,..____. __..._............ Year................................~. Other (SPECIFY)

Sit3
_

01
3 w

72

AT AGE 1_1__1

OR

%q

909

AT AGE l_l_l

OR

x

5009

IN l-l-1 YEARS (GO TO 0.73. PLAN 2) DfN’ :yP&T T BENEFITS.

Xq'16
X7wi

.(SKIP TO Q.74, PLAN 2)

:.?j6

BENEFITS.

.(SKIP TO 4.74, PLAN 3)

C?

M ‘ J b

X4802, X4902, X5002 we of retirement plan 7'~\, 15 17 19 Pension or retirement Tax deferred savings Other federal government plan Other type of annuity/defined benefit plan (include ERISA plans here unless otherwise specified) Other state/local government plan

I
PLAN 1

,/’_\73. .i”

About how much does (he/she) expect (his/her) benefits to b6? [As a proportion of (his/her) pay at retirement, or pi ,m amount per month or y&v when (he/she) SLXLY
receiving them?]

$l_l.l

x40/0-u-1
I2

NONE ........................... DONT KNOW ........................ xqsa Week ................................ Month ............................... Quarter.................................5: YGU...................................+. Other (SPECIFY)

90 I(w

.T.I WZWJ
9999998 ..z. J+‘ l ..J .yr! 83 ‘ .

-708
PLAN 1) . . , . 01 .?I: 08 03 Ob 04

74.

If (he/she) were to (leave this job/sell this business) now, would (he/she) start receiving a monthly OT annual pension benefit now, would (he/she) receive ant: Inter, would (he/she) get R cash settlement now. would (he/she) get nothing or what? (IF R SAYS “ROLL OVER” CODE “CASH
SE’ lTLEMENT”.)

Benefit now. , . . . . (GO TO 4.74.1, tceh sd)lun& Benefit later. C~iCe 0)
Cash settlement. Nothing.

. .

+ mbnthb fUUi&n (GO TO Q.74.1, PLAN I)

ROIIOLW

p@ytiU+ e .(SlUP TO Q.75, PLAN 1) . . . . (SKIP TO 4.75. PLAN 1)

Other (SPECIFY)

xl/813
(SKIP TO Q.75, PLAN 1) . . . (SKIP TO 0.75. PLAN 1) .

-7/die
. . 98

DON’ KNOW. T 74.1. About how much per month would (he/she)
receive?

NONE ............................ DON’ KNOW ........................ T Week ............ ...... Month ............................... Quarter.................................5: Year....................................~ Other (SPECIFY) 75. INTERVIEWER: IS THERE ANOTHER YES. ........ PLAN? NO. ........... (SKIP TO 0.88) ...............

71 JlfSlW@
9999998

x791g .............

.?A
..y .ti . .04

-705
...... 1 2

(GO BACK TO Q.67, PLAN 2)

I
PLAN 2

73.
NONE

$l_l,l~~d~I_I_l

sl_l,ly/l=)_l_l ?I. i&&WI& NONE

90 XYSjZ
KNOW

90 x . 5012 .. .
.._.,
......................

-1

-Bw)oBO

DONT

.9999998

DON’ KNOW T Week .&.e.!).
........

9999998

Week Month .............................. Quan~r..............................C Year .............................. Other (SPECIFY) 74. Benefitnow __.__.

u911
. ti
..b. -7d . Id

Month

. @
.5: @
04
-7 Qf 01

.zw

Quarter ............................. Year................................C. Other (SPECIFY) Benefit now. ..... carh dtkm~l+ Benefit later. ..... (GO To 4.74.1,

(GOTO0.74.1.PLANZ)

01

PLAN 3) ....

c mod+ fkaion (GO TO Q.74.1, PLAN 3) .... IP TO Q.75, PLAN 3) .

al

02

03 *$r

(SKIP TO Q.75, PLAN 2) Other (SPECIFY) Ir’ ! (SKIP TO Q.75, PLAN 2) (SKIP TO 4.75, PLAN 2)

.%

Nothing. Other (SPECIFY)

(SKIP TO 4.75, PLAN 3) x501 3 (SKIP TO 4.75, PLAN 3)

913

-7us
9X

-7s
98

DON-I
74.1. NONE

KNOW.

DONT

KNOW.

. (SKIP TO 4.75, PLAN 3)

‘ FI_I.IJ~~&I_I_I .......................

Sl_l,ldS&Jkj_U_l

..T! ..
9999998 .............. . LK .? ca? .s:H ...* Qa -7HIi ... 1 2

NONE

.........................

.-.I. d3tFtMW
9999998 @? kk? wr

DONT

KNOW

......................

DONT KNOW

......................

m/9 Week ........... ..... Month .............................. Quarter ............................. Year ............................. Other (SPECIFY)
75.

Week . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..~ Month ,.,,....__..__.__._.__..____.. q Qu~er..............................$:U17 Year................................b. Other (SPECIFY) -?d YES. .......... NO ........... (SKIP TO 4.87) .(SKIP TO 0.88) ............ ............

x7320

YES. ........ NO.. ..........

(GO BACK TO Q.67, PLAN 3) (SKIPTOQ.88) ............

1 2

SAVINGS 76. ?

PLANS

SAVINGS

PLAN 1

Could you tell me a little more about this plan? Is it a thrift or savings plan, a 4OlK. n supplemenkzl retirement account (SRA), a profit-sharing pl<an or what?

F’ rofit Sharing . Stock purchase. ESOP Other (SPECIFY) er DON’ KNOW . . T

.. ... . arc . . t .

.

. 03 04 -7 k+s 98

77.

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

)r727b mu rgc
DON’ KNOW T

%W
YEARS , . .

I i ::l;j _. . .

. 98

7X.

.(GO TO 4.78.1, ::.i(.%??g. (SKIP TO 4.79 DON’ TKNOW..(SKIPTOQ.79:PL
1~trlp.d 9

I PLAN 1) ......... PLAN 1) ............ .S?g AN 1). .. .8 OR ..L 1 oBo8

78.1. What percent of (his/her) pay or anount of money per month or year does [(his/her) employer/the business] contribute?

I PERCENT

Fl&~l.l_l_l_l NONE ............................. DON’ KNOW ...... T Week ....... ..s.qgzl. ............ Month .._._._______._~ ____.._.,____..__. Quaner . t Year...................................I. Other (SPECIFY)

9.d .5. & & -3 @

Does (he/she) currently make contributions to this plan? (IF R ASKS: INCLUDE CONTRIBIJIlONS THROUGH SALARY DEDUCTIONS, UNION DUES, OR OTHER SOURCES.) 8” 39.1. What percent of (his/her) pay or amount of money per month or yw does (he/she) currently contribute?

zzwfa’ icz: DON’ KNOW. T

.(GO TO 4.79.1. PLAN 1) ......... I (SKIP M Q.80. PLAN 1) ..... ..5. g (SKIP TO Q.80, PLAN 1) ........... 8

I._._l_&$~
%i_;y!l&!!l.l

31

I PERCENT
I I I

OR 8880

NONE ..,...........................?J. DON’ KNOW T Week _. .x.qfz.$ Month ................................ Quarter.. ............................... Year................................: Other (SPECIFY)
$l_UXlsB

.I%#+. . .%,@2 . @ ..k Q4 -7ps
li)L4Ll,I_l_I_l

Roughly how much money is in (his/her) account at present? (WE WANT THE AMOUNT GROSS OF ANY LOANS AGAINST THE ACCOUNT) Can (he/she) borrow against that account?

DON’ KNOW T

.. .

. . . . . . . . . 999999998

Yes.... ....... .(GO TO Q.82. PLAN 1) ........... No x48.29. (SKIP TO Q.83, PLAN 1) ...... DONTKNOW..(SKIPTOQ.83.PL AN 1). ........ .(GO TO Q.82.1, PLAN 1) (SKIP TO 4.83, PLAN 1)

1 .sz .8 1

Does (he/she) currently

have a loan against that account? ::‘ .i(.q.ti%.

.

.sJ

What is the amount of the loan balance? Did you tell me about this loan ealier?

Where did you tell me about this lo,ul? Hbw

much tart -he ptqmcnisf
.I

r

.-

7 238GO

TO Q.X3, PLAN I

SAVINGSPLAN
Thrift or Savings 4OlK/403B/SRA $!!.?& Profit Shearing ........................... Stock purchase, ESOP ..................... Other (SPECIFY) ti et DONT KNOW .......................... 01 02 03 04 +%s 9X

SAVINGSPLAN
Thrift or Savings 101K/403B/SRA Profit Sharing Stock purchase. ESOP Other (SPECIFY) sef DONT KNOW

~SUii:
. . . rIr&_&zc+ . . 03, 04 -7165 . 98

-7

sfur4c
DONT
Yes.

XWu5

x7zw
98 (GO TO 4.78.1, PLAN 2) fl,Z X 1 . , . . . . . , . . . . . _. . 98 .(GO TO Q.78.1, PLAN 3) (SKIP TO 4.79, PLAN 3) DONTKNOW..(SKIPTOQ.79,PLAN3) l_l~$-&l@l OR PERCENT 1 s X . . . . . 8

KNOW

No DONT

xYqJ8’ (SKIPTOQ.79,PLANZ)
KNOW. (SKIP TO 0.79.

PLAN 2)

I-

I&9/f3

I PERCENT

NONE .?I. #H+ DON’ KNOW T .%not.r.wd--~ 999X .?“ ?f .c ti Week x!iq.z 1. Month _...__..____...__...._..__.... 9. ti Qu;lner..............................t:~ Year................................(C. &f Other (SPECIFY) -?ur: .(GO TO 0.79.1, PLAN 2) (SKIP TO 4.80, PLAN 2) (SKIP TO 0.80, PLAN 2) PERCENT OR 1 SA X

NONE . . . . . . . . . . . . . . . . . . . . . . . . . . ..?i%W DONT KNOW .......... .&sOOt V&U+: 999X Week .......... #.mz1.. .. .?!?!.-.f ..t tU’ Month .............................. !/. @

%I_l.~lzn__l_I_I

Quarter ..............................
Year.. ............................

.

..b.
. . . . . .<n 1 8

Other (SPECIFY) Yes. . .(GO TO Q.79.1, PLAN 3) No. x .s%?% (SKIP TO Q.80, PLAN 3) DONTKNOW..ISKIPTO0.80.PLAN3) l_l~l~ 2 3 I PERCENT

l?‘ %r.%%. DONT KNOW.

I_I~ti~l~_l

OR

$ll(lilqaq l.l_l_l_l NONE . . . . . . . . . . . . . . . . . . . . . . . . . ...+ OOB DON’ KNOW ........ T .‘ bllPt. .@f’ ti 9998 Week ......... 2 Month .._. y. C!? Quart~r..............................~M YGU................................(/. H4 Other (SPECIFY) -‘ )As

it!!q2s:. ... .??$.:?.

BT

a_lx$aed_l_l_l NONE . . . DONT KNOW .......... Week ........ .x.*25 Month .............................. Quarter ............................. Year................................& Other (SPECIFY) Sl_l_l_~lZb-l-l-i KNOW ....................

. ?.I. @@#I &UVI& #Cd 9998 .... .??ff.‘ ?. .?JH . yl+f .5: !Xf .@I -9 af

$I_l-l-l.lX!Zb_l_l_l DON’ KNOW T

99999YY98

DON-I

999999998

:%92.7.
DONT KNOW.

.(GO TO Q.82, PLAN 2) (SKIP TO 4.83, PLAN 2) (SKIP TO 4.83, PLAN 2)

1 ,5X 8

.(GO TO 4.82, PLAN 3) ........ $?i&27. .... (SKIP TO 4.83, PLAN 3) .. .x.4 DONT KNOW .. (SKIPTO Q.83, PLAN 3) ....... YesxSDtg No.. .......... .(GO TO Q.82.1, PLAN 3) (SKIPTOQ.83.PLAN3) ... .... ..f

1 8 1 .R

$l_I_lxg7aj-l.l-I-I-I

GO TO 4.83, PLAN 3 x

‘ 129G

I( 3297

SAVINGS PLAN 1
$+3!

1

If (he/she) needed money in NI emergency. could (he/she) withdraw some of the funds in chat xcount? (CHECK “YES”EVEN IF WITHDRAWAL INVOLVESPENALTY.)

Yes

., . . . . . . . . . . .

..... .... ..... . ........

1

No . . . . . . . . . . . .% . YQ3l . . . . . . . . . . . . . . . ..s.@ . ...... DON’ KNOW . . . . T All. Some. None. ..(SKIPTOQ.S5,PLAN . 1) . , 8

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

. . . . . .._. 01 .s
.. .s$

.(GO TO Q.84.1, PLAN 1) .(SKIP TO Q.85, PLAN 1)

yp’

X4832 Other (SPECIFY) (GO TO Q.84.1, PLAN 1)
84.1. What proportion would (he/she) lose? I- l@j$~~_l OR &a_r_a~~_l_ 85 How is the money in this accent invested? Is it mostly in stocks. mostly in interest earning ‘ assets,is it split ktween these. or what? PERCENT

-? M

Mostly OT stock all 01 R&J csfo)c Mostly OT tnterest earning all (~sh/&nk&.J. .% I tnx4mlce/n~r~~~ plan Split ___ __.._ .._ _.._ ._ ,.., 03

as

Other (SPECIFY)

Jr9

344

-31#
1 .2

,.)

y”

8 5. I vo you hAJC any ehaies dad hw +hc ?Mbf’ iS invu~dz ty 86. INTERVIEWER: IS THERE ANO’ l&R PLAN?

DON’ KNOW . .y. T YES..

. . . . . . . . . . . . . . ...98

. . . . . (GO BACK TO Q.67. PLAN 2) . . . (GO TO Q.88) ,. . . . . . . .

NO.. . . . . .

87. (IF 4 OR MORE) Altngether how much does (he/she) have in (his/her) accent balance(s) for any other pension plan(s) or swings pl.an(s)from this job? $l_lIl.IIll.llII NOTHING DON’ KNOW T Xws2J-m~ ~JJJOOOOOO 99999999X

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

she&

NONE

.. .. .. ... .. ..... .... ... ..... .. ..... ...

..._

DON’ KNOW T

.....

.....

..

.....

..fl-1 .... 8

79
A-3.

SAVINGS PLAN2 Yes ................................... 1
No . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..~n

SAVINGSPLAN Yes .. ............................ .
No I

VY93I

xy33. . . . . . . . . . . . . . . . . ..cf? .
.. ... .............. . . 8
. . . . .._ .._.. J. 01 ti I# . . . . . (SKiPTOQ,8S,PLAN3) (GOTOQ.84.1.PLAN3) .(SKIP TO Q.8.5, PLAN 3) x

DON'T KNOW x4. All.
Some.

__.___........ .._ __ __
(SKIP TO Q.SS, PLAN 2)

8
01

DONT KNOW
All

.(GO 4.84.1. PLAN 2) TO
.(SKIP TO Q.8.5, PLAN 2) .r

.?, J?2 Some ..___..
84 None. . .

None.

. . . .?

Other (SPECIFY)

x493 2
(GO TO Q.84.1, PLAN 2)

-7644

Other (SPECIFY)

SbJ2

-7 &r

(GO To Q.84.1, PLAN 3) I IXm&&lPERCENT
OR

84.1.

I-

I

xtls3

I3 I PERCENT
OR

$I

Iu: n12h:I_I_I 01 earning Mostly or all stock Mostly or a11 interest earning t

85. Mostly or all stock

01

EnsUf~nCC/O?fittynu4t
Split..................................?: Other (SPECIFY) DONTKNOW

&&/bank.ad. p/an

Realestate

(cathl~&

hmvkr/nSirun,~
Split _.......................

bUf~).'Ofi ptrvl 4.5 03

p/934
... . .... .(GO BACK TO Q.67, PLAN 3)

-194
.. 1 2

Other(SPECIFY)
DONTKNOW YES. . . .. . . . ,

x-34
. .

-?a4
98 :~ ,,,, 1 -+’ . . . . . . .

X6. YES..
NO ..___....

.,,.r)p. @f... ,. _ -1 (GO TO Q.87)

(SKIPTOQ.88)

NO............

(SKIPTOQ.88)............ 2

--

I

X4816, X4916, X5016, x5031 Type of retirement plan --5 -7 Pension or retirement Tax deferred savings/Thrift or Savings 401K/403B/SRA Profit sharing Stock purchase/ESOP Deferred compensaton IRA-SEP (not to be confused with a regular IRA) Defined-contribution plan; TIAA-CREF (Teachers Insurance and Annuity Association/College Retirement Equity Fund) Money purchase plan Tax-deferred annuity (TDA); tax-sheltered annuity (TSA) Other type of annuity (include ERISA plans here unless otherwise specified) Salary reduction plan; deferred compensation plan Other state/local government plan Other federal government plan Other type of account --> -7 Combination

I~~

3 4 7 11 12 13 14 17 18 24 25 26 *18

88.

Is (he/she)doing any work for pay now, other than (his/her) main job, such as R second job, the militaty reserves, or @tother) business of (his/her) own? Yes No . . . . . . . ..__.. _. (GOTOQ.88.1) (SKIPTOQ.92) .__.__._.,.____ _. _. 1 .&s (CODE ALL THAT APPLY.) 01 02 03 Z&t Q.89) IN SECTION x 516 b = conjure,+ 7: &e&f; O= tcra/d mbv

88.1. Is this a second job, the lnilikv x s/o2 Second job Milikvy Business Other (SPECIFY)

reserves, (his/her) own business. or what? (SKlP TO 4.89) (SKIPTO 4.89) (GOTOQ.88.2)

A5163 XC’ 0q )

_. .._..,._..,_.

(SKIP TO

9 = mdnagenvhm* ;
F?

hobb

88.2. INTERVIEWER:

DOES R WORK FOR A BUSINESS REPORTED CHECK Q.22, PAGE F-47 __ __ .._

/-I ahk

YES NO

.......
.......

1
2

89.

How mmy hours does (he/she) work on these other jobs in :I nmn:~l wck’ ! XT/o7 I-__ I paid v:mtions I I#HOURS ye:u?

90.

Counting

;LFweeks of work. how mmy weeks dws ilwlsbe) wrvk on these other jobs in a nonnnl

‘ 51 o9 x
91.

IL-1 #WEEKS
before t~axes from Lhw uther jnhs? (Is ~h;lt per hour, week. month. year. or what?) I .I
I

About how much does (he/she) em
x5] oq Sl_I.l_l_I_I,I_I_I NONE _.

I

.,. /

-I
999999998

xSl)O

DON’ KNOW T Hour Day Week Month Quarter Year Other (SPECIFY)_

/m ‘ 0

M-2
04 05 06 II7

Hz’

92.

Thinking about all (his/her) current work for pay, does (he/she) consider (hinwlfiherself) to tx: working full-time or pxtime’ (IF S IS LAID OFF OR A SEASONAL WORKER, ASK ABOUT “JOBS WHEN S IS WORKING”.) !

X51\\

Full-time Part-time

........... ...........

(GO TO Q.93) ................. (SKIP TO Q.94) ...............

I 2

‘ .._,

93.
~~. \ ~.:x

(READ

SLOWLY:)

Now I have a few questions about (his/her)

past jobs.

Including

nny periods of self-employment,

the

milikuy, and (his/her) current iob. since (he/she) was 18, how many yeax the year? (Roughly how many years?)

has (he/she) worked full-time

for <alI or most of

511%

I #YEARS -‘ -I
NON!? OR LESS THAN ONE YEAR

(SKIP TO Q.93.9)
and (his/her) or more?

.? III
employers h.as (he/she) worked in

93.1.

Including full-time

‘ any self-employment jobs lasting one

current job. for how many different

93.2.

Now. not counting

(his/her)

current job, ha

(he/she) ever had a full-time

job that lasted for three wars or more?

Yes

..............

(GO TO 0.93.3)
(SKIPTO 0.93.9)

...............
1 .............

No ............... 93.3.

..2? 5

I want to know about the m employed, or what?
Someone else Other (SPECIFY)

such job (he/she) had.

Did (he/she) work for someone else. was (he/she) self

x5115

01 -7urr

PaAnq-sh;p ; /aw&n;
93.4. (Tell me n little

medW~/duNl

What sort of work was (he/she) doing when (he/she) left that job? more about what [he/she] did.)

03

~“3 ,d’
93.5.

x w/5

What kind of business or industry (he/she) work&? XV/II,

did (he/she) work in -- that is, what did they make or do at the place where

93.6.

When did (he/she) skvr working 191_1_1 Rge

at that job? vn.+p

93.7.

x3300 x wr(l When did (he/she) stop working at that jobl

x9301

93.8.

About

how muc

en (he/she) stopp&

(Is-that per hour, week. month. YGU.

X5W~
%!5l2\

NON!?
DON’ TKNOW Hour Dny Week .._.. ,.,:I:...

.Y! !?lemmr
9999998

__ __

__ __ _............. .._ __ _.__......

d

Month Quater Yex

HT J’ d l?2 I u-2 04 OS
II6 07

Other (SPECIFY)

93.9.

Since (he/she) was 18. have there been years when (he/she) g& Yes No About (GO TO Q.93.10) . . . (SKIPTOQ.93.11)

worked

p,at-time? I

x

sltz 93.10.

.._.

. .

._.....

. ..pr

how many years in total did (he/she) work part-time’ !

93.11.

Thinking

now of the future, in what year does (he/she) expect to stop working

full-time’ !

ld7doti I YEAR
NEVER STOP. DON’ KNOW T 93.12. ~PCndS Does (h&he) expect to work pwt-time

OR

AGE I&El23 M-2 999X -7+~b7q/

y;$

(SKIP TO Q.9S.20. PAGE R-133) (SKIP TO 0.9520, PAGE R-133) after that? .(GOTOQ.93.13) (SKIP TO Q.95.20, (GO TO 0.93.13) altogether’ ! OR AGE

yenclc).ahce+

Yes
No DON’ T 93.13.

.
KNOW/DEPENDS..

I

PAGE R-133)

$5 y-7 *x &“ l

or z

se<

net

sheet

When does (he/she) expect to stop working

I Y3d6Sl
NEVER STOP.

YEAR

I&T&? 9
99W-2
9998 -7 3 f;,:‘ ; ;_: i

..................

DONT KNOW/DEPENDS.. .................. Depend5 (SKIP TO Q.9S.20) WORK 94. HISTORY FOR SPOUSE’ WORKING S PART-TIME NOW

Now 1 have it few questions about (his/her) past work. Including any self-employment & (his/her) current job. since (he/she) wits 18, ahout how many years in total has (he/she) worked pnrt-time for all or most of the yetu’ (Roughly how ? many yetus?)

LESS THAN 94.1.

1 YEAR full-time

f.
for pay--including

01
any self-employment I 25 and the military’ !

Since (he/she) was 18, ha (he/she) ever worked Yes No .._.._....

x

5128
94.2.

.._..

(GO TO Q.94.2) (SKIPTOQ.94.14) full-time

,___.....,...

How m,any years has (he/she) worked (Roughly how many years?) l_l_l # YEARS

for all or most of the year?

I(

srzq

94.3.

INTERVIEWER

CHECKPOINT

- SEE (X94.2.

SPOUSE HAS WORKED S YEARS OR MORE FULLTIMEORDK LESS THAN .,,.... 5 YEARS (SKIPTOQ.94.6) (GO TO 4.94.4) . . . . . . . . . . . . . . . I 2

94.4.

In what year did (he/she) last work full-time v&5-1

for pay?

k330CI reg=
I.1 I I

x 7363 eu?gb
(Is that per hour, week, month, ye%, or what’ ?)

94.5.

About how much did (he/she) earn before taxes that yetu’ !

x

932

$1 I 111 I I
NONE DONT KNOW

.-if .9999998 . ‘ ,p

Hour ................................................................................. Day Week ........................................ Month _..._ __ ___ __. __ Quarter __ Yau......................................... Other (SPECIFY) (SKIP TO 94.14) 94.6. Including in full-time any self-employment jobs lasting one <and (his/her) or more? ___

___

A+2 wr7 2 04 OS 06 07

current job, for how many different

employers

has (he/she) worked

#EMPLOYERS
94.1.

FJclFIf
full-time

= -1
job (he/she) had. Did (he/she) work for someone else, wils (he/she)

I want to know about the &!tg&t self-employed. or what?
Someone else

01
.~bn.-.Carf3~f&. btl&ti> 02

)i

5135
94.x.

Self-employed 1&lV. Other (SPECIFY)

-7ti 03 (Tell a little more about what (he/she) me

Parh~h+;

~crwktvrt 1 mcd;td/doltaI

What sort of work was (he/she) doing when (he/she) left that job? did.) 8 3411

94.9.

What kind of business or industry (he/she) work&?

did (he/she) work in -- that is, what did they make or do at the place where

X7418
94.10. When did (he/she) start working 19lX$z!38 at that job?

..~J’

x3308

+I=

x33m Yn.Ago
l+u6

R-129

94.11.

When did (he/she) stop working full-time at that job? 19$_u.q

x33m

x 7311

94.12.

$F About how much was (he/she) earmng before txes or what?) $I 1) I
I IA I I I.1 I

Ye* 0 when % e/she)
I

stop@?

(Is that per hour, week, month, ye‘ u.

X5)YO

NONE

.T!. KNOW

DONT

poBo(wmn 99999999X

X514\

Hour ................................ Day ................................. Week __ ._ _..._ _____ ___ Month . . . . . . . . . . . . . . . . . . . Quarter . . . . . . . . . . . . . . . . . . . Year . . . . . . . . . . . . . . . . . . . . . Other (SPECIFY) In what ye‘ did (he/she) Inst work full-time u 191&J’ .+/2 .‘ k+/z

._ __.... _. . . . . . . .._ .., . . . . . . . . . . . . . . . . . .. . .

(Hz
04 0s 06 -07

94.13.

for p;~y?

94.14.

C
Thinking now of the future. does (he/she) expct Yes No.. . ................ DONT KNOW/DEPENDS. to do my full-time work for pay’ ! I 2’ 5 d- ‘ --p x b 7

.................

.(GO TO 0.94.15) .(SKlPTOQ.94.17) (SKIP TO 0.94.17)

........... ....................

743

SC=nvDt 5hbe:

94.15.

In what ye;lr does (he/she) expect to skvtworking full-time?

94.16.

And in whzct year dozs (he/she) expect to stop working full-time? I )17a&IYEAR (GO TO Q.94.17) NEVER STOP. DONTKNOWlDEPENDS OR )II%&AGE (GO TO Q.94.17) xr/Y5 u &+jof = vcs.

(SKIP TO Q.95.20. PAGE R-133) ___. (GOTOQ.94.17) ,,,,..,

9448-738~~9+ecncrtsh~+

94.17.

In what yenr does (he/she) expect to stop working for pay altogether? I xl73 In I YEAR (SKIP TO Q.95.20) NEVER STOP ......... DONT KNOW/DEPENDS. OR xlt31 AGE (SKIP TO 9.95.20) ....... ....... K5j *afYa. opu6 -a 419% -7 JL

.(SKIP TO 0.9520) (SKIP TO Q.95.20)

-7 X&WS
OR OTHER

S~MXt-Jhd

WORK 95.

HISTORY

FOR R’ CURRENTLY S

RETIRED/DISABLED,

HOMEMAKER,

STUDENT

Since (he/she) was 1X h:ls (he/she) ever worked full-time Yes No

for pay? 1

(GO TO Q.9S.l) (SKIP TO Q.95.12)

p5

i. .._

95.1.

How many years has (he/she) worked full-time for all or most of the year? Include <anyperiods of self-employment, and the military. (Roughly how many yexs?)

95.2.

INTERVIEWER

CHECKPOINT

-- SEE (295.1.

SPOUSE HAS WORKED 5 YEARS OR MORE FULL-TIMZORDK .(SKIPTOQ.95.5)

1

9s.3.

In what year did (he/she) last work full-time for pay?

x33318
95.4. $I x

x7

3q
that per hour. week. month, year. or what’ ?)

I

Id

I

I

I_1

I

I LIouwo-1 99998 @ I&? ’ @ 2 i!4 OS 06 07

5zos

NONE DONT

..___.___..___.___.__...__..._.___ KNOW

Hour .................................................................................. Day Week ........................................ Month .__....____..___..___..___.____._...... Quarter _. __ __ __ _., __ _____ ____ Year......................................... Other (SPECIFY) (SKIP TO Q.95.12) 95.5. Including any self-employment in full-time johs lasting ant: I I I I # EMPLOYERS and (his/her) currat or more?

__ ___

job, for how many different employers has (he/she) worked

x5207
95.6.

Nc&Jb=-\

I want to know about the w self-employed, or what? Someone else Self-employed [.0&C Other (SPECIFY)

full-time job (he/she) had. Did (he/she) work for someone else. was (he/she)

)@o8

f. fiPn r COqaca+&

&G~.&. -7.a

i:

Rarinmhi~ ’Law h’ rm ; wdhl,&nta/
95.7. What sort of work was (he! she) doing when (he/she) left that job? did.]

03
[Tell me a little more about what (he/she)

z 74J9
9s.x. What kind of business or industry did (he/she) work in -- that is. what did they make OT do at the place where (he/she) worked?

959.

In what yw

did (he/she) start working at that job?

191 %I~11 95.10.

x737.0
17322

8 7321
A7323
(Is that per hour. week. month. ye.u,

In what

!%* .,ya**o year did (he/she) stop workmg at that Job! 19l_x67 n

95.11.

Yn. Ago *9= About how much was (he/she) enming before LEXUS when (he//she)stopped’ ! or what?) $I Id I I I_1 I I I.1 I I #%i#t%# 999999998

NONE DONT

................................. KNOW ...........................

-I

Hour ...................................... Day ......................................... Week ........................................ Month ....................................... Qwter .......................................
Y~~u .........................................

Other (SPECIFY) 95.12. Since (h&e) ws

..u,‘ 8 yZ I 017 2 04 OS 06 II7 for all or most of the ye:r’ !

IX. wert! there any yexx when (he/she) (only) worked p;ut-time (GO TO Q.95.13) (SKlPTOQ.95.14) did (he/she) work pnrt-time I 25

Yes No . .._....__..... 95.13. For about how many yeus

,..,....,,_._

(for all or most of the year)?

%stj~
95.14. x52,’

l-l_1 # YEARS

N6N E-- -I

Does (he/she) expect to work for pay in the future’ ? Yes No . . . . . . . . (GOTOQ.9S.IS) .._. (SKIP TO Q.95.2(1) ..__..__. I Zs

95.16.

Will ‘ any of that be full-time

work? .(GO TO 4.95.17) .(SKfPTOQ.95.19). (SKIP TO 4.9519) ........... ................... 1 25 p-73

Yes ................. No.. . DONT KNOW/DEPENDS. ................ 95.17. In what ytx

,,& % @(*q ccc

she+

does (he/she) expect to start working full-time’ ?

95.18.

And in what y&v does (he/she) expect to stop working full-time? 1 xfl%zg II-EAR (GO TO Q.95.19) OR J!I!!~AGE (GO TO Q.95.19)

XSZZI
*&Ye.
9596-f -3 3X&7+% bee

\
_ ,./ 9519.

NEVER STOP.

(SKIP TO 4.95.20)

D tids In what yex ‘ oes (he/she) expect to stop working for p”y altogether? %”

nurtskj

l11773a4 I YEAR
DONTKNOWlDEPENDS

OR

x

?m AGE

x

SZ22 *of YEI *

.

NEVERSTOP................................9996-2 . . . . . . . . . .._....__._... %#-?Xb?Jqke ttCJ+ Sk+

95.20.

END OF SPOUSE SECTION.

REMAINING

QUESTIONS (GO TO Q.96)

IN THE SECTION APPLY TO R AND SPOUSE.

74-i+@ a-133

At what age or in how many years do you expect to stop or start working full time? $GW, XCW~,,XG~VS ,xcw~,~~7us; x67% 1 Year tiWi7, tiCll48, Mi7sr9 2 el Age 3 Number of years __5 -2 5 Never stop 6 As long as health lasts, as long as I can 7 Until have children 8 Until return to school; until get married; until other non-work activity 9 Until finances are adequate; ****depends on finances *10 Depends on Interest, How I feel *11 Depends upon opportunities/economy *12 Never go back full time *13 Whenever find job, ASAP *14 Depends upon health *15 After school, children *16 Only if need to, no plan *17 When R can turn over/sell the business *la Depends on retirement age/incentives in future '19 Depends on what spouse does; depends on spouse health *20 Depends on family needs/situation *21 Depends on whether part-time work is available *22 Depends on when liscensed '95 Uncodable response Don't know *99 *99 Refused

^.

v

Do you expect to work part-time after you stop full-time work?

Xc762
5

1
4 *11 6 7 8 9 *95 f98 f99

Yes --> If health lasts; if "feel like it"; health of other family members If need the money; if "need to"; the veconomy" If get bored If still enjoying work If there is an interesting opportunity --> Probably yes --> Probably no Uncodable response Don't know/maybe Refused
No

1 5

Do you expect to do any full-time work for pay? 1 2 3 4 *I_1 6 7 8 9 l13 *15 *19 *21 *22 *95 *98 *99

f6763
5

Yes > No if "feel like it"; health of other family If health lasts; members If need the money; if "need to"; the "economy" If get bored If still enjoying work If there is an interesting opportunity --> Probably yes --> Probably no Whenever find job, ASAP After school, children Depends on what spouse does; depends on spouse health Depends on whether part-time work is available Depends on when liscensed Uncodable response Don't know/maybe Refused

1 5

“ .,../ ,,

Will any of that be full-time work? 1 P-Y :
*11 6 7 8 9 *10 *95 *9a *99

Yes
No

>

5

As soon as can find full-time job Depends on opportunities/interest Depends on pay Depends on health or health-related issue No particular plans Expect to go into self-employment/expand time for self-employment Depends upon family or child-care issues Uncodable response Don't know Refused

I
96. Are you (or your [huband/wife/partnerI)
currentlv receivinq Social Security benefit payments. or any other type of pension, retirement, or disability benefit payment? (DO NOT INCLUDE SUPPLEMENTAL SECURlTY INCOME [.%I]. INTERVIEWER: IF R ANSWERED “YES” AT 4.17.1, PAGE R-9.5 OR S ANSWERED “YES” AT 4.65.1. PAGE R-116, THAT PENSION SHOULD BE REPORTED HERE.)
Yes

$534
96.1.

No

(GO TO Q.96.1) (SKIP TO Q.98, PAGE R-138)

.

Do these include Social Security benefit payments? Yes No (GO TO Q.96.2) (SKIPTOQ.97.1)

$532 96.2.

.._...._..

,,_.__._.

,_

Are you boti receiving Social Security payments or is only one of you’ (Which one?) ? INTERVIEWER: CHECK PERSON(S) (RESP, SPOUSE) IN 0.96.3. THEN ASK FOLLOWUP QUESTIONS 96.4-96.6 FOR EACH PERSON CHECKED. RESPONUENT [? -

96.3. 96.4.

RECIPIENT

------v--s>

AS363

Are the payments for retirement. disnhility, or survivors benefits?

96.5.

How long (have youjhns h&c:/ she) rcceivcd these benefits?

III

# YEARS

x7330 4c

III

# YEARS

x7331
Age
~,,

OR x7934
SINCE 19 l-l-1 96.6. How much (do you/does he/does she) rcccive each month or yea? NONE DON’ KNOW T

ORx7335
SINCE 19 l-l-1

x53 II %~_1,1_1_1_1.1 I I I
.T! +3@30WH
9999998
NONE

‘ .

.?I.

-4+fFHW

DON’ KNOW T Month ..!.%.? Quarter Yenr..................t!.url Other (SPECIFY)

99999% !!J.?l .¶-. w -7 od

/I

Yex...................k Other (SPECIFY)

u3

-q&l

/’ /

.

v

-.+I%

x-135

I
97. )( Are you (or your [husband/wife/pnnner]) cu~ently receiving any p&r retirement. pension, or disability 1 benefit payments?

5313
97.1.

Yes No

(GO TO 4.97.1) (SKIPTO Q.98)

.zt?

Not counting Social Security, how many retirement. pension or disability benefit p:~yments are you (:md your [husband/wife/partner]) currently receiving’ (DO NOT INCLUDE INCOME FROM IRA AND ! KEOGH ACCOUNTS ALREADY REPORTED.)

FIRST 97.2. (For tbe fust/scc”nd/ next benefit), who is receiving these benefit payments, you or your (husb;md/wit~/p:lrtner)? Is this R benefit from your current job, past job. a disability or military benefit, spouse’ s pension or something &h&a+ M Respondent spme/Pmner

BENEFIT I 2

SECOND Respondent Spouse/Panner

BENEFIT I 2

THIRD Respondent Spouse/Pxtner

BENEFIT . .. I 2

x5315
Current job &53Jlr pension . . Past job pension Disability Military &pension er (SPECIFY)*01 02 03 04 05

x5323
Current job x432q pension Past job pension Disability Militxy Spouse pension Other (SPEClFY)AP.%%s YEARS 8 01 02 03 U4 OS

x

5331

97.3.

,O - &$&u

II- U&on #c&on 97.4. How-long have (you/ he/she) received this benefit?

a#

Current job x 5 3 3 2 pension . 01 Past job pension 02 Disability 03 Miiitxy . . 04 Spouse pension OS Other (SPECIFY)-3$6 YEARS 43335 tlg=

7333 -3 OR Asc

sm:
Month Yem............b.w? Year 1
Yes

191x3&@

SINCE 191&31390 %I_I~~_l_l fl Ln .G M 1 Year Yes No 1 2 I. YES NO .? .???4: .. .

How much is received each month or yens?

$I_I_Xl~l_l .Y sz.7.

.4 M
1 .s. 2 1 2

97.6.

Has this benefit been increased when the cost of living has increased? INTERVIEWER CHECKPOINT: IS R LEGALLY MARRIED? If (RECIPIENT) were to die, what percent of this benefit would (you/your husband/your wife) continue to receive or

Yes No . YES NO

..!??...~~
(GO TO Q.97.X) (SKIP TO Q.97.9) 1 2

x 5328 No . . . . . . . . . . . ...52 YES NO I (GO TO Q.97.8) (SKIP TO 4.97.9)

97.7.

(GO TO Q.97.8) (SKIP TO 4.97.9)

97.x.

I-lJL63UL1 PERCENT stop .. ... .rl DONT KNOW . Other (SPECIFY)A% YES.(R!ZASK Q97.2-97.9 COL.#2) . . NO. .(GO TO Q.9X) 996 998

)Si3aoI
PERCENT

l_~wa~l_l PERCENT @t 991

stop DON’ KNOW T rOther (SPECIFY)*%

.-I p% stop . . .? 99X FONT KNOW Other (SPECIFY)%5

97.9. BENEFIT? ,.~. %IERVIEWER:

1 :

YES.(REASK 497.2-97.9 COL. #3) NO. .(GO TO 4.98)

1 i

t YES.(REASK Q97.2-97.9 COL. #4) NO. .(GO TO 4.98) FOR . :

BE sum

T NUMBER

OF BENEFITS

RECORDED

IN Q.97.1 ARE ALL ACCOUNTED

-2’ %A

a+ a ta+~r

+in\~,

no ;OL~A+O

of rch~

bed+

..........................................
IleT ............

ner ............

ner ............

YES.@EASK Q97.2.97.9 COL. #S) ...........

1

YES.(REASK Q97.2-91.9 ........... COL.#6)

1

GO TO 0.98

98.

Have you (or your [husb.andlwifelpannerl) job? Yes No .__..______.__. How many different

ever received a cash settlement

from a pension or retirement

plan of a previous

,~ ~.\&

5501
98.1.

(~20 TO Q.98.1) (SKIPTOQ.99)

1
..__..... ss.I received’ ?

cash settlements

have you (01 your [husbnnd/wifel)

1-I-1
# CASH SETTLEMENTS

CASH SEl-lLEhfENT 98.2. Who received (this/ the tirstJsecond/etc.) cash settlement, you or your (husband/ wife/partner)? 9X.3. What was the amount of this (tirsr/ second/third/fourth) cash settlement? 9X.4. In what year was (this/the fussr/ seccond/thirdlfounh/ fifth) cash settlement received? 98.5 INTERVIEWER: IS THERE. ANOTHER SETTLEMENT? #l

CASH SETI-LEMENT

#2

CASH SETTLEMENT

#3

J
YES (ASK 0.9X.2-098.5 COL. #3)

1

COL. #4)

1

99.

Now I want to ask about future pension benefits

that you (and your [husband/wife/partner])

have earned rights to from told me about, do you (and

past or current jobs. Aside from Social Security and any pension benefis you have already your [husbnnd/wif~/p~rtner]) expect to receive ‘ any (other) pension benefits in the future? Yes No .__.......__... (GO TO 0.99.1) (SKIPTOSECTIONT) __..,,,.,_ I YS

CASH SETl-LEhIENT Respondent Spouse

#4 1 2

CASH SETI-LEMENT Respondent Spouse

#5 . 1 2

X95l2

x 5515 . .

1

s5r3
$I I I

x=1&
I,I I I III 1-l-l

$l_l_l_lJ_l_l_l,l_l_l_~

~55r4
191__1_1 x ?ziiq YES

19l_l_l

Yfm 7
ii 730
h-S. &ID
ti

73115

&73Y(r
Aatz
1 2

vr<.Fb7J
(ASK Q.9fUQ98.5 COL. #5) (GO TO Q.99)

GO TO Q.99

NO.

.&l-a6 R-139

99.1. Xc&2 = ena\

How many such benefits do you (and your [husband/wife/panner]) 3cl-l# FUTURE BENEFITS

expect to receive in the future?

COLUMN A 99.2. Who expects to receivr (this/the largest/the next) benefit? About (this/the largest/the next) benefit. is this from :t pension pkan where a certain ‘ amount of money is accumulated in an acc”““t for you. a formula plan that 94 will give you a specific amount of income each month or year when you retire. or what? How much is in the XC”““f now? Respondent .. 1

COLUMN B Respondent Spouse xsw I 2

COLUMN C Respondent spouse . . . .. I 2

spouses ............. 2 *ho b

alrtz

99.3.

Income formula Account. Both.

Xsbo3 (SKIP TO Q.99.5) (GO TO Q.99.4) .(GO TO Q.99.4)

1 2 3

IncomeX~~‘ ~ formula. (SKIP TO 0.99.5) Account. Both. (GO TO 0.99.4) .(GO TO Q.99.4)

~s~lq 1 2 3 Income formula. (SKIP TO Q.99.5) 1 2 3

Account. (GO TO Q.99.4) Both.. .(GO TO 0.99.4)

rctck fiJUkr P*YMC x734 I'LcUnQs-

., when y6u dfe, nlu;Jl yol4 ticLift ++w rl n l@mp JLtl)7 DC 6 0 V

a = kjuhr

pymb.

Y3356
uSbIt ~~_u1_1_1.1_1_1_1
1 Yes, IRA/KEo Yes, pension No .._ __ ___ 5 .._ 1 2 3

Y 7352
$I l.l” ??
Yes, IRA/la0 Yes, pension No . .._............ AT AGE .

99.4.

Sl_lI

1 *bbq .__l_I,l_LI_I

5,: I l I -I 2 3

Yes, IR/vKEo Yes, pension .

2 3

No . . . . . . . . . . . . . . . . 5 99.6 When do you expect these benefits to swt? AT AGE Ix<&@ 7

AT AGE ufilr!

I&e3
x7353

xc13* $y,,

x735r
&qRs
Fl_l.l_&a&l_l

--

vcar

)rcar

,,l?$q& -_
~I_I.I_Ixa&__I .-I

Y ear

99 R

About how much per month do you expect them to be?

%i_l.&~f~l_l_l NONE DON’ KNOW T

.-t J~EMWS~
. 999999X

NONE
DON’ KNOW T

.FJ. uooeweUNONE
9999998 DON’ KNOW T

BBBBBeu 9999998

8 sloq Week .__._........ Pp Month . . . Y.IJZ Quarter . . . f.98 Year . . . . . . . . . . . . . (1.06 Lumpsum P.eJ Other (SPECIFY)_ -1:@ INTERVIEWER: IS THERE ANOTHER BENEFIT? u/’ YES. .(REASK 4.99.2.Q.99.8, COL. B) NO. .(SKIP TO SECTIONT) ‘ ,,_, ,i ,~ 1

XSG I3 Week . . . . . . .?.J+Month 7. I$? Quarter $Z @3 Year . . . . . . . . . . . . . CI. o/ Lumpsum _....... fy. 0S Other (SPECIFY) -7 C@ YES. .(REASK 4.99.2.0.99.8, COL. C) NO. 2 .(SKIP TO SECTION T)

Week . . x5(*25. . . . r&i . . . . . . Month . . . . . . . . . . . tl.@2 Quarter . . . . . . . . . . St33 Year ............I l.& Lumpsum ..,..... P.L% Other (SPECIFY)-786 YES. .(REASK Q.99.2-Q.99.8, COL. D) NO. .(SKIP TO SECTIONT)

1

I

2

2

+m R-W

COLUMN despondent

D 1 2 Respondent Spalse

COLUMN

E 1 Respondent Spouse

COLUMN

F 1

...... ,. ,.,

XSb30 spouse

1. . . . . f

xsc.38.

.I..... 2

x56;& .

.

.

2

;ncome X5G23 ‘ ormula. (SKIP TO Q.99.5) 4ccount. Both. (GO TO Q.99.4) .(GO TO 4.99.4)

1 2 3

Income. “lr3’ formula. (SKIP TO Q.99.5) Account. (GO TO Q.99.4) ,

_ . _. _ 1 2

Income ” * q3 formula. (SKIP TO 4.995) Account. (GO TO 4.99.4) Both. .(GOTOQ.99.4).

1 2 3

Both. . .(GO TO 4.99.4)

.. ... ,, 3

P

7354
X5GZ8
$1_1.1_1_1_1.1_1_1_1

a335tR $l__II 251r 3cI % _LL~,C_I_L~
1 2 . ... .. . 3 Yes. iRAiK!zo Yes, pension , . .... . ... .. . 1 . . . . . . . . 2 3

it3358 x5 444
%1_1.1_1_1_1.1_1_1__1

Yes, RAKE0

. .

.

Yes, IRA/la0 Yes, pension .

.

... .

.

1 2 3

Yes, pension ‘ ..... ... .... ... Jo 4T AGE lm@ j

No , .,,...,.............. AT AGE

No . . . . . . . . . . . . . . . . . . . . . . AT AGE l&6&#

&_5A39
&3 ‘ 351 ycar

x3355 NGgRS
w__1.12&k3&1-l

x3359 _I_ Ltl~wk.S
$l_l,l_~*ff.&3l-l

e4r

m&%s
$l_I.IXIS~~I~!_I

Yeti

VONE . . DON’ KNOW T

t!

lH0tX%8 9999998

NONE DONT

. . ..____. 71. Q%%tH KNOW . . . . . . . . 9999998

NONE DON’ KNOW T

. . . . 7.1.

60808@ 999999t

x 54.33 Week .2: fi Month !f. !&2 Quarter . .5: 83Year...................&. 89 Lumpsum . . . . . . . . . . . . . r’ Bs . Other (SPECIFY) * 7 & YES. .(REASK 4.99.2.4.99.8, C0L.E) NO. .(SKIP TO SECTION T)

Week . . . .XSbN. . . . . . . . . . tst .. .. Month . . . . . . . . ti. .82 Quarter _ . . .._._._.... $: 83 Y,,...............,.Ir. m 9. 05 Lumpsum .._.__....... - ‘ 6 ) Other (SPECM) YES. .(RJ5ASK Q.99.2-Q.99.8, C0L.F) . NO. .(SKIP TO SECTION T)

Week _..I . . . . . . . . . . . . . . ?.m Month .‘ 8! I. Quarter . . . . . . . . . . . . . . . . .5.E Year...................II.@ Lumpsum . . . . . . . . . . . . . . af.@! Other (SPECIFY) -7 Lx

~~Wcj

.

1

.

. . . 1

SKIP TO SECTION

T.

2

,,.

2

X73bo

100.

An

any OF +hw
pendon

I- Ibs, alwJwg~
2 : yr5, chl*

part & an *cRrs, &eOghor ~thcr pcm’ on
R-141

plant

SECTION T: INCOME

1. We have talked about various sources of income. Now we would lie to get the overall picture of all the different sources of .~Y; income that you a”d members of your family living here had in 1991. Did anyone have income from wages aad salaries, z including bonuses. overtime and commissions?
INTERVIEWER:

-

FORM 1040 LINE REFERENCES

2.
NO

ES

xs:a 1.1. 1.2. WAGES AND SALARIES? Did (you/anyone) have income or losses from a professional practice, business or farm? (Other than wages or
S&lies)

I

7
2

-

In total, how much income from (SOURCE) did you (and your family) receive in 1991. before deductions for taxes and anything else? [WRITE LOSEi ( ).I

1 1

2.1 > 2.2 >

xs7oz
$I
I I

I.I_I_LI.Ih__u
1,1_1___1,1_1_~_1

@-I

:5703
12, 19

X57OY $I
I I

pI4-I

1.3.

non-taxable invesrments such as municioal bonds?
other interest income?

x5705
8b X5707 8a
ks-J9

1

2.3 .__> 2.4 > 2.5 .__> 2.6 > 2.1 ,__>

XS7ob

(b-s-I

5
2

s,_l~=Ob
Sl_l_l_I,l_l_l_I,LLl_I

1.4. 1.5.
$5. .,

1 1 1

_I.I_I_l_I.I_l-1-l

4

4

-1

dividends?

9

5
I,
5
R

XS7JO fS7JZ
$1_1_1_1.1_1_1_1.1_1-1-l $l_I_l_l.I_l_l_l.I_l-I-1

~4-1
4 -9-1

,~‘ .l’ 1.7.

net gains or losses from the sale of stocks. bonds. or real estate? . . . net rent, tmst income, or royalties from any other investment or business? unemployment or worker’ s comoensation? child support or alimony which you or your family here receive? Did (you/anyone) have income from ADC. AFDC. food stamps, or other forms of welfare or assistance, such as SSI? income from Social Security or other pensions, annuities, or other disability or retirement programs? Did you (or anyone in your family living here) have income from m other sources? (What other sources?)
X5725 (Cu nrx+ &A)

XS7Jf
13, 14
x-13

XS7JY

6-3-l
@ 3-1
69-I

18 xs715 g,7

1

1.8. 1.9. 1.10.

1
1

2.8 > 2.9 > 2.10 > 2.11 .__,

$I
$I
$I

XF7/6
I I

I,I_I_I__l.l_L~-1

xs7Jg
I I I,I_l-l_l.I_l-l-1

XSTJS
21b (SSI Only)

< R -

xs720
I I I,I_I_l-u-f-I_1

$4-,-r

1 -

1.11.

xs72
17a. 21a

I

5
2

xs722
$I I I III

pl-7”

1

l_l__IJ_Ll_~

1.12.

2.12

X5723
22 1 ___> ___>
$I I

x5724 @*:,-I
$I_l_I_I.I_I_L_l.I_L_L I I,I_Ll_l,I_I_l_

I
Did you or anyone have income or losses from any other sources? 1 2 3 4 11 12 13 14 15 21 22 23 30 31 Settlements; form lawsits, divorce, insurance Gambling winnings; prize money Education scholarships or grants (not including loans); G.I. Bill; "fellowships" Honorarium *I IRA" , NFS; IRA withdrawal Inheritance/gifts Other help/support from relatives Repayment of debts Income tax refund Care of foster child in the home Housing subsidy/rent paid by some (government) agency Trestee fee; executor fee Sale of asset (cdding as capital gain/loss has priority) Alaska Permanent Fund

T-HZ. 5

X7362 About what would your income have been if it had been a normal year? ,r\ x304 ~-, Over the past five years, did your total income go up more than prices, less than prices, or about the same as prices? Over the past five years, did your total family income go up more than prices, less than prices, or about the same as prices? l=Up more 2=Up less 3=About the same X7364 Over the next year, do you expect your total income to go up more than prices, less than prices, or about the same as prices? Over the next year, do you expect your total family income to go up more than prices, less than prices, or about the same as prices? l=Up more 2=Up less 3=About the same X7586 At this time, do you have a good idea of what your income for next year will be? (1 .'Z:',j:$ At this time, do you have a good idea of what your family's --L',income for next year will be? l=YES 2=NO --> 5 X7366 DO you usually have a good idea of what your next year's income will be? Do you usually have a good idea of what your family's next year's income will be? l=YES 2=NO ----> 5

3.

How much was the total income you (and your family living here) received in 1991 from all sources, before

taxes and other deductions were made? $I
I I.1 I I IJ GO TO 4.4.7 I

I

I q+-\
99999997 99999998 OOOCC031

x572cl
4.

REFUSED ........... DON’ TKNOW ....... ADD UP Q.2.1-4.2.12

(GO TO Q.4) ........... (GOTOQ.4) ........... .. (GO TO Q.4.7) ..........

Did you (and your family living here) receive more than S30,OCKJ 1991? in Yes ................ No ................
REFUSED ........... DON’ KNOW T ....... 4.1. Was it $5O,ooOor more? (GO TO 4.4.1) (GOTOQ.4.4) (GO TO 4.4.7) (GO TO Q.4.7) ................ ................ ................ ................

1 2
7 8

Yes ................ No ................ REFUSED ........... 4.2. Was it $liXKlOO or more? Yes ................ No ................ REFUSED.. ......... 4.3. Was it $25O,CMlor more? Yes ................ No ................ REFUSED ........... 4.4. Was it $5,ooO or more? Yes ................ No ................
REFUSED 4.5. Was it $lO,ooO or more? ...........

(GO TO 4.4.2) (GO TO Q.4.7)

................ ................

1
2

(GO TO 4.4.7)

................

7

(GOTOQ.4.3)
(GOTOQ.4.7)

................
................

(GOTOQ.4.7)

...........

.: ...

1 2 1

(SKIP TO 4.4.7)

...............

(SKIPTOQ.4.7)
(SKIP TO Q.4.7)

...............
...............

1 2 7

,;i.,
,,”

(GOTOQ.4.5) (GO TO Q.4.7) (GO TO Q.4.7)

................ ................ ................

1 2
7

Yes ................ No ................
REFUSED 4.6. Was it $2O,COO or more? ...........

(GO TO 4.4.6) (GOTOQ.4.7) (GO TO 4.4.7)

................ ................ ................

1
2 7

Yes............................................ No ... ... ... ...... .. .....
REFUSED 4.7.

...... ..

....

1 .. 2

. . . . . . . . . . . . . . . . . . . . . . . .

.. . . . . . . . . . . . . 7

Is this income unusually high or low compared to what you would expect in a “normal” year, OTis it

normal?

$7633
JG~G~

Low.._.__.........._._._..__..___..,,...,.,, .. 2
Normal Rcatin .._..__......._.____._____.,.,,,..,,...__ *mcamc uwsua\\y 3

High

___ __

._ .__

..,

1

hi$h

X6765 Reason income unusually hiah 1. Capital gains Sale of assets Higher business/self-employment income t: Higher return on investments 5. Worked more; took second job 6. Stopped working since then: child 7. Stopped working since then: retired 8. Stopped working since then: other 9. Pension settlement 10. Other Settlement 11. Bonus 12. Inheritance 13. Good weather/crop 14. Took more money out of business 15. Good economy n.e.c. 16. Unexpected income n.e.c. 17. Change in household composition 18. Salary increase/higher salary; promotion 19. Social security/retirement/support payments began or increased 20. Social security/retirement/support payments stopped or decreased 21. Loans payed off 22. Changed jobs 23. Qualified for unemployment 24. Less able to work/ill since then

X6766 Reason income unusually low 1. Low business/self-employment income 2. Low returns on investments 3. Worked less; laid off; fired 4. Illness; disability 5. In school 6. Stopped working: child 7. Stopped working: other 8. Current pension or other type of income not started yet 9. Depreciation 10. Business/job startup 11. Bad weather/crop 12. Took less money out of business 13. Bad economy n.e.c. 14. Change in household composition 15. Charitable donation made 16. Decrease in benefits 17. Legal expenses/law suit 18. Not enough tax write-offs/tax problems 19. Bankruptcy 20. Lower salary/wages 21. Capital loss 22. Moved

5.

During ~1991, did you (or ~lyone

in your family living here) w

any alimony, ................ ...............

sepaation I .>c

payments,

or child support?

Yes ................ TO Q.S.l) (GO
No ................ (SKIPTO 0.6)

5.1.

Altogether,

how much alimony

and/or child support did you (and your family) pay in 19911
$I

xs732
6.

I

I

I.1

I

I

I

During 1991, did you (or anyone in your family living here) provide any (other) financial do not live here?

support for relatives or friends who

)!5733
6.1.

Yes ._..

.._..,..,

..(GOTOQ.6.1)

No

.___..,..,,_....

(SKIPTOQ.7)

I Z

g

How much support did you (and your family) pay’ !

$5734
6.2.

s I

IJ

I

I

I11

l_l_l

To whom wls this support given’ (Anyone ?

else’ !)
(CODE ALL THAT APPLY)

\Arns

Xs73L

Xs73b
x5734

35737

X57YO
XS7YI ~5742

Children Under 18 Children 18 and Over Parents (In-Law) GrandChildren .__................................ Grand Parents.................................... Siblings (In-Law) Niece/Nephew Friend ._ __ .._ ___. __............................ Other (SPECIFY)

_,

01 02 03 W OS 06 07 OX *

CA&J-J
N&C&&J=S

xs7q3 9’ cx-sp& to* CAku vcl.+ks

Did you (or your [husband/wife/parmer])

tile or do you expect to file a 1991 Federal Income tax return? I k 6 7 8 <

x$794

Yes. .(GO TO 4.7.1) No.. .(SKLP TO SECTION X, PAGE X-149) NOTYETFILED..(GOTOQ.7.1) REFUSED. .(SKIP TO SECTION X, PAGE X-149) DON’ KNOW T .(SKIP TO SECTION X. PAGE X-149)

7.1.

INTERVIEWER

CHECKPOINT--SEE

HHL, P.I.

R. MARRIED/LIVING WITH PARTNER

(GO TO Q.7.2)

.

. . . 1

_. /

7.2.

(Did/Will) you and your (husband/wife/partner) of you file? (Which one?) File Jointly. File Sep~mtely Only R File Only S File DON’ TKNOW

fde a joint return, (did/will)

you file separately,

or (did/will)

only one

(SKIP TO Q.7.S) (SKIP TO 4.7.7) ..,

._ ___

I 2 3 4 98

7.3.

Did/Will you (or your [husband/wife/partner]) file a Schedule C, E or F with your return? (CODE ALL THAT APPLY.) (IF R ASKS: SCHEDULE “c” IS FOR BUSINESS INCOME OR SELF EMPLOYMENT. “E” IS FOR TRUST AND PARTNERSHIP INCOME, AND “F‘” IS FOR FARM INCOME.)

)t57Y? XS7Y 9

g-97

Schedule Schedule Schedule No . . .

C
E

F . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ...2

,Y ,3_ .&

c.,&& A/&U&&=5

1

dcom?c& 7 adjusted gross in&e return’ (What do you think it will be?) ! (FORM IWO, LINE 31).

(AGI) on your IYYI tax

REFUSED DON’ KNOW T

99999YYY7 999999998

SKIP TO SECTION

X

(IF R WAS NOT MARRIED IN 1991 OR R WAS MARRIED TO A DIFFERENT INCOME (AGI) ON THE FORM R FILED AND NOTE ANY COMPLICATIONS ‘ -yi 75.

PERSON, ASK FOR ADJUSTED IN THE MARGIN.)

GROSS

Did you file a Schedule C, E. or F with your return? (CODE ALL THAT APPLY.) (IF R ASKS: SCHEDULE “C” IS FOR BUSINESS INCOME OR SELF EMPLOYMENT, “E” IS FOR TRUST AND PARTNERSHIP INCOME, AND “F” IS FOR FARM INCOME.) Schedule Schedule Schedule No . . . C ,P E .X F 4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..~ o L~_&,J &k-b k.&i 3 , = 5

;;yn

x 7.6.

77GO )<776 I

yK73C% Os~Wd( 7.6A What was your total adJusted gross mom (AGI

x”

ikm;~

dedwblnsun

4-a fc+um!

your 1991 tax return?

(What do you think it will he’ ?)

7.7.

Did your (hush,ud/wife/p:mner) ScheduleC

file n Schedule C. E, or F with your return?

(CHECK ALL THAT APPLY.) uxulvJ= I

)( 7762

*3763 X 776’ 1
7.??‘ $:t:s y 76%

yhi~;~; : , .. .
No ~~~~~. (hi$I&i%l.a

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ../r..
. . .

<
Y

&

UC&J2 s
.

..
. . .

..
.

.

.
.

...
. . . .

-r’

?Lq

Oi.j xp+ i)aitc dtdU&o~~ 00 &he &rnf mco e ( GI) on your 1991 tax return! (What do you think il will k!)

$1_1_1_1.1_1_1_1.1_1_1_1

SECTION X: CHARITY AND INTER-FAMILY 1. Haveyou (or your[husband/wife/partner])
other fornl? Yes.. t.. No .._............. (GOTOQ.2) (SKIPTOQ.9) . . . .

TRANSFERS
assets in a trust 01 in some

ever received a” inheritance,

or been given substantial

1 *r

2.

How many of these have you (or your [husband/wife/parmerl) I-I I # OF INHERITANCES, TRUSTS,

ever received?

OTHER TRANSFERS

T 3. (Thinking about the [largest/next largest] of these) was that a” inheritance, a hut, OT what? W.) 1. What was its approximate value at the time it was received? xs0cM I___~_--I I l.il I DONT KNOW i. In what year was it received?

INHERITANCE Inheritance

# 3 _. . 01 66 02 63

Shdd-rcudTrust . .. r~&)b&+ Other (SPECIFY)‘ 7z 02 Ttust Other (SPECIFY)_

01 06
02

Inheritance

13

w=a&kw+ Trust . . . . . . . kbd;f~ Other (SPECIFY)_&_.

xso9
I 1l_l_l_l l_l_l_l,1_l_l_lJ_l_l_l DON’ T KNOW DONT KNOW . . . . xsws, 999999998 999999998 . 999999998

.

X5905
191 Grandparent

I

I
. 01 02

191 -Grandparent Parent .XSSJJ.. Child Aunt/Uncle Sibling
.

I

I
. . 01 .02

l? L-_~-~
Grandparent Parent . lus# Child *. ..:..I:. Ilr.

;~: ,,
01 : 1. ,02

5. From whom was it received?

. .....

Parent . x5%%? Chid

. . . . . . . . . . . . . 03 ......... 04

_.. ___

03 04 05 .06 p

. <‘ *. . . . . 03 .. .. .. . . 04

Aunt/Uncle Sibling

Aunt/Uncle Sibling

............

05

...

..

.

05

msjir;‘ .,+
Other (SPECIFY_ 7. INTERVIEWER CHECKPOINT (SEE Q.2) IS THERE ANOTHER INHERITANCE. TRUST OR TRANSFER? YES. .(REASK Q.3Q.7 COL.#2) NO. (SKIP TO Q.9) _ _.,__ .

oy

Friend -wL-+/tp Other (SPECIFY)_

~~E~Qgij

1

YES. .(REASK QSQ.7 COL. #3) NO. (SKIP TO 0.91

YFS.(GOTOQ.fJ) 1 NO. . . 2

. . .. 1

2

(SKIP TO Q.9) . . . . .. . . :

x-149

8.

How much altogether were any others you have received?

.s 1
9.

1

I

1,1_1_!__1,1_~_l_~

ybyS/

‘ VP

Do you (or your [husband/wife/partner]) expect to receive a substantial inheritance or transfer of assets in the future? Yes.. _. No . . . . .._.t....... 9.1. (GOTOQ.9.1) (SKIPTOQ.lO)
. 1 . . . . . . . . . . . . . .25

Is that likely to involve a large amount of money, a moderate amount, or what? 03 Snu))/lu‘ Large ._..........__.,..,,..__...........__.... 01 Moderate 02 -7-K+Other (SPECIFY) DON’ TKNOW _......, ._ .._ 98
INTERVIEWER: -

9.2.

10.

During 1991, did you (or anyone in your family living here) make charitable contributions of money or property totaling $500 or more? (Please do not include political contributions.) Yes . . . . . . . . .._.._.. No. . (GOTOQ.lO.l) . . . ..__........ (SKIP TO 4.10.2) . . 1
Z 5

x(822
10.1

Roughly, how much did (you/your family) contribute?

y5323
10.2.
more a

$1_11_1,_1_1_1,1_1_1_1
During 1991, did you (or anyone in your family living here) volunteer an average of one hour week to any charitable organizations? (Please do not include time volunteered for political causes.) Yes . . . . .._ ._ __......... _............. 1 No . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..X s
or

x7 G4.32
11.

Some people think it is important to leave an estate or inheritance to their surviving heirs, while others don’ Which is closer to your (and your [husband’ t. s/wife’ s/partner’ feelings? Would you say it is very s]) important. important, somewhat important. or not important? Very Important.................................... 1 Important . .. . .. . . :. 2 Somewhat Important . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..X y NotImpatant.....................................4 5 R&SDFFER . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..A 3 Do you (and your [husband/wife/partner]) expect to leave a sizable estate to others? Yes .._ ._ ., . . . . .._................... 1 No . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ...2-s POSSIBLY . . . . . . . . .._........................... 3

)(BZY

12.

. .._/

x-150

SECTION Y: RESPONDENT DEMOGRAPHICS
1. I’ now like to ask you some questions about your background. What is the highest grade of school or year d of college you completed? GRADES OF SCHOOL .......... ......... ....... .(GOTOQ.l.l) (GOTOQ.l.1) (GOTOQ.l.1) (GO TO Q.l.1) (GOTOQ.l.1) (GOTOQ.l.1) (GOTOQ.l.1) (GOTOQ.l.1) (GOTOQ.l.1) (GOTOQ.l.1) (GOTOQ.l.1) (GOTOQ.l.1) (GO TO Q.l.1) ............... ............... ............... ............... ............... ............... ............... ............... ............... ............... ............... ............... ............... 00 01 02 03 04 05 06 07 08 09 10 11 12
I,_” .i

OCXADE ISTGRADE

ZNDGRADE..

3RD GRADE ......... 4THGRADE 5THGRADE 6THGRADE.. 7THGRADE 8THGRADE.. 9THGRADE.. 1OTHGRADE 1lTHGRADE ......... ......... ....... ......... ....... ....... ........ ........

12TH GRADE ........ COLLEGE 1 YEAR COLLEGE ..... 2 YEARS COLLEGE .... 3 YEARS COLLEGE .... 4 YEARS COLLEGE .... GRADUATE SCHOOL ... 1.1.

.(GO TO 4.1.3) .............. .(GO TO 4.1.3) ..............

13 14 15 16 17

.(GO TO 4.1.3) .............. .(GO TO 4.1.3) ..............

.(GO TO Q. 1.3) ..............

Did you get a high school diploma or pass a high school equivalency test? Yes............................................ No . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ...> 1 5

)(STOZ
1.2.

Since completing your formal education, have you had on-the-job training or other vocational training lasting 100 hours 01 more? Yes No (SKIF’ TO 4.2) (SKIP TO Q.2) > 1 5

Y-151

1.3.

Did you get a college degree? Yes.. .............. (GOTOQ.1.4) (SKIPTOQ.2) ................ ................ 1 r$

No ................ 1.4.

What is the highest degree you have earned? Associate’ ...................................... s Bachelor’ ...................................... s 01 02

MA&
Ml?4
Ph.D. _.. __ &J&.w d.c+wt&j MD........................................... UunGr, degca Law ..___ ___._ dcu ~f=rn~*~ tvhf&.k Other (SPECIFY)

.._ __

....

. . . . . . . 04

09

03

lo
____... _.......

05 06

-7

$4

2.

Have you ever been in the military service?

Yes ............................................ 1
No ............................................
,~.C?> ,;~;,_ yj

.

.I_./

3. What is the month and year of your birth?
I I II

--

1

I

Month

Y&U

xmP7
4. Native Ametican/Eskimo/Aleut Asian ......................................... ....................................... _..............._

Xs908
01 02 03 ._.__ .. ..... . . . . . . 04

Are you Native American, Asian, Hispanic, black, white, OTanother race? (SHOW CARD 16)

Hispanic Black white

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 05 7-er

Other (SPECIFY)

Y-152

5.

Now I’ like to ask some questions about your family living elsewhere. Altogether, including children from d previous marriages and adopted children, how many sons and daughters do you (or your [husband/wife/ partner]) have who do m live with you?
I I I

jt 5910
5.1.

If Children NONE .

(GO TO Q.5.1) (SKIPTOQ.6)

@+-I

How many of them are 25 OI older? I I I # 25 or Older ALLOFTHEM NONE

x5911

(GO TO Q.5.2) (SKIPTOQ.6) (GO TO Q.5.2) . . . . . . . . . . .

96-2
BQ-I

5.2.

And how many of them are less than 18 years old? I-I I # Less than 18 ALL OFTHEM _............................. NON!? _.......................................

xs912

6.

How many living brothers and sisters do m

have?

x

5913
6.1

#Brothers/Sisters
NONE .. .

I

I

I

(GO TO Q.6.1.) (SKIPTOQ.7) . . . ..__........ 40--I _: “ ’

)’ ,..

How many are older than you?

ALL ......................................... NONE ........................................

05-t

@a -I

7. INTERVIEWER P.1.

CHECKPOINT:

SEE R’ MARITAL S

STATUS

Ri HOUSEHOLD

LISTING,

MARRIED; INCLUDING SPOUSE . . AWAY IN SERVICE . .(GO TO Q.7.1) . . . . PARTNER . . . (SKIP TO Q.11, PAGE Y-156) . _ SEPARATBD , . (SKIP TO Q.8) . . . . , , ,. , . . . . DIVORCED. (SKIP TO Q.9) . _ . . _. . . . . . . . . . . . . . .. WIDOWED . . . (SKIP TO Q.10, PAGE Y-156)

*-. . . . . . . . . . . .

. 01 02 . 03 . 04 . 05

.
‘ -d

Y-153

HOW many years HOW many years -,, x7370 ~! YEARS

have you been have you been

married living

to your with your

current partner?

spouse?

0

----> -1

x7371 SINCE AGE: X8005 SINCE

YEAR:

X7372 What is your current separated, divorced, l=MARRIED 3=SEPARATED 4=DIVORCED 5=WIDOWED 6=NEVER MARRIED legal marital status? Are you married, widowed, or have you never been married?

In what year In what year In what year <q
A/J

were you were you

separated divorced?

from your

spouse?

were you widowed? were you separated, divorced, or widowed?

In what year X8007 YEAR: X7373 AT AGE: X7374 YEARS

AGO

0

--, -1

In what

year

did your

current

marriage begin?

begin?

In what year X8008 YEAR: X7375 AT AGE: X7376 YEARS
._.

did that marriage

:

AGO

0

-->

-1

x5925

j

Do you receive support from your is there no support involved? Do you receive support from your is there no support involved?

Q35(7/8),

do you pay

support,

or

wife,

do you pay

support,

or

J-rsr

Do you receive support from your husband, do you pay support, or is there no support involved? l=Receive Support 2=No Support Involved 3=Pay Support

HOW much do y6u receive? How much do you pay? x5927 I X-29

SF

;rsr2~~3-m%

Vl4LuESm~S928,X~t?

Is that weekly, monthly, quarterly, yearly, or what? 2=Week 3=Biweekly 4=Month 5=Quarter 6=Year 8=Lump sum/one payment only ll=Twice per year 12=Bimonthly 20=0ther pi -7

x5930

Are the assets and debts that you've told me about in this interview owned mainly by you and your partner, are they owned jointly with your Q35(7/8), or what? Are the assets and debts that you've told me about in this interview owned mainly by you, are they owned jointly with your Q35(7/8), or what? Are the assets and debts that you've told me about in this interview owned mainly by you and your partner, are they owned jointly with your wife. or what? Are the assets and debts that you've told me about in this interview owned mainly by you, are they owned jointly with your wife, or what? Are the assets and debts that you've told me about in this interview owned mainly by you and your partner, are they owned jointly with your husband, or what? Are the assets and debts that you've told me about in this -interview owned mainly by you, are they owned jointly with your husband, or what? l=Owned by R 2=Ovmed Jointly 3=Other --> -7 Mainly owned by spouse ---> 3
No tAss& _-I .., I ..’

x7377 Was this your first marriage, or had you been married before?
L/

Is your marriage to your absent spouse your first marriage, or have you been married before? Is this your first marriage, l=First Marriage 2=Married Before or have you been married before? Y-IS5

How old were you when you were married the first time? --.\ ’ X7378 YEAR: X8011 AT AGE:
x7379

YEARS AGO X6026

0

---_, -1

NOW I'd like to ask about your parents IS your mother still living? l=YES 2=NO ---> 5 X6027 What is her age? Age X6028 Is your father still living? ,~'? ';$jS i
X6029

--, 5

What is his age? Age X7380 NOW I'd like to ask you some questions about your health; do you currently smoke? l=YES 2=NO ---a 5 X6030 Would you say your health is excellent, good, fair, or poor? l=Excellent 2=Good 3=Fair 4=poor X7381 About how old do you think you will live to be?

r3 N.

I
I’ now like to ask you some questions about your (hosband’ d s/wife’ partner’ background. what is the s/ s) highest grade of school or year of college. (he/she) completed? GRADES OF SCHOOL . .... ........ . . . (GOTOQ.17.1) .(GOTOQ.l7.1) (GO TO 4.17.1) (GO TO 4.17.1) (GOTOQ.17.1) (GO TO Q.17.1) (GOTOQ.17.1) (GO To Q.17.1) (GOTOQ.17.1) (GO TO 4.17.1) (GO TO 4.17.1) (GOTOQ.17.1) (GOTOQ.17.1) . .. . . . . . . . . . . W-) 01 02 03 04 05 06 07 08 09 10 11 12

OGRADE 1STGRADE

.............. .............. .............. .............. .............. .............. .............. .............. .............. .............. .............. ..............

2ND GRADE ......... 3RD GRADE ......... 4THGRADE .........

STH GRADE ......... 6THGRADE .........

7TH GRADE ......... 8THGRADE. ........

9TH GRADE ......... 1OTH GRADE 1lTHGRADE 12THGRADE COLLEGE 1YEARCOLLEGE .... ........ ........ ........

(GOTOQ.17.3) (GO TO Q.17.3) (GO TO 4.17.3) (GO TO 4.17.3)

.............. .............. .............. .............. ..............

13 14 15 16 17

2 YEARS COLLEGE ... 3 YEARS COLLEGE ... 4 YEARS COLLEGE ...

GRADUATE SCHOOL .. (GO TO Q.17.3)

21. XW%

Did (he/she) get a high school diploma or pass a high school equivalency test? Yes ............................................ No .......................................... 1 ..2’ 5

I3 tn.

Since completing (his/her) formal education, has (he/she) had on-the-job training or other vocational training lasting 100 hours or more? Yes.. No .............. ................ (SKIPTOQ.18) (SKIPTOQ.18) ............... ............... 1

#5

Y-159

Did (he/she) get a college degree? Yes . . (GO TO 4.17.4) (SKtPTOQ.18) . . . 1

No . . . . . . . . . . . . .

... ....... ... ..Z 5

What is the highest degree (he/she) earned? Associate’ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 01 s Bachelor’ s
. . . . . . . . . . . . . . . . . . . . . . . . . . ..__........
.._ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .._ .

02
05

mslft
Ph.D. tier

09

04 05

dfi0rtora-b MD.............. . . . . . .._...........__........

.....
dthv
Other (SP CIFY)

.. .._..$ ‘
II
_z 07

lqr0hsion~I

cerf-isitatt

F
Xl/l0

Has (he/she) ever been in the military service? Yes............................................ t3J No . . . . ..t................................._... 2’ 5 1

;q

g

What is the month and year of (his/her) bib?
l I II -4,’ XblO8

X&/O? 16 2d. x l,pq It ‘ 2&l

-- Month

How many living brothers and sisters does (he/she) have? ‘ -II # Brothers/Sisters

(GO TO 4.20.1) ... .. .. . . . . 96’ )

None . . . . . . . . . . . . . . . (SKIPTOQ.21) How many arc older than (he/she) is?
I x,‘ , ) I t3 I I

# Older

ALL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ...90 NONE......................................... 88’ I

~wife/pmer)

been married before?

Y-160

In what year was your X8016 YEAR: X7383 AT AGE: X7384 YEARS AGO

(spouse/partner) Q1474?

0

----> -1

In what year did your partner's current marriage begin? In what year did that marriage begin? X8017 YEAR: X7385 AT AGE: X7386 YEARS AGO X7387 Does your partner receive support from his wife, does Does your partner receive support from her husband. does (he/she) pay support, or is there no support involved? l=Receive Support 2=No Support Involved 3=Pay Support X6650, X6652 How much does How much does X6651, X6653 Is that weekly, monthly, quarterly, yearly, or what? 2=Week 3=Biweekly 4=Month 5=Quarter 6=Year ll=Twice per year 12=Bimonthly 20=Other --> -7 (he/she) pay? (he/she) receive?

./

SF X7387 = I -lMiv v&&s Du u’ bbsb,Xm

x7392

Is this your (spouse/partner)'s married before? Was this your partner's married before? l=First marriage 2=Married before

first marriage,

or has

(he/she) been
‘ j_,

first marriage,

or has (he/she) been

J-IG\

HOW old was ,-)x7393 YEAR: X8018 AT AGE: x7394 YEARS AGO X6120

(he/she) when

(he/she) was married the first time?

0

--, -1

IS your (spouse/partner)'s mother still living? l=YES 2=NO ----i 5 X6121 What is her age? Age X6122 IS your (spouse/partner)'s l=YES 2=NO ---> 5 X6123 What is his age? Age
x7395

father still living?

Now I'd like to ask you some questions about your (spOuSe/partner)'s health; does your (spouse/partner) currently smoke? l=YES 2=NO --, 5 X6124 would you say your (spouse/partner)'s health in general is-excellent, good, fair, or poor? l=Excellent 2=Good 3=Fair 4=poor X7396 If we asked your (spouse/partner), about how old do you think ^' would say that (he/she) expects to live to be? .i (he/she)

23.3.

What is his age? I I I

AS
24. Now I’ like to ask you some questions about your family’ he&h: d s in gzner;d is excellent, good, fair, or poor? Excellent __ Good. __ ___ Fair Poor DON’ KNOW T __ _..,_ _...., __ _____ ._.._ _, ,..,., __, .., would you say your (husband’ s/ wife’ s/p,utner’ s)
health

.,., ,..., _....

., ..,

_. 1 ,. 2 _.._ 3 4 X

25.

INTERVIEWER

CHECKPOINT:

SE

HOUSEHOLD

LISTING,

P.l.

1 OR MORE ADULTS WITH INDEPENDENT FINANCES (COL. F MARKED “INDEP”). (GO TO 4.22.1) ALL OTHERS 2.5.1 READ:
For the rest of the questions

_. t

_.

1 2

(SKIP TO Q.29)
in the interview,

please include

the adults

in your household

who have

26.

QUESTlON

DELETED health insurance progwns. such as Mtxliwc. Mediaid.

27.

Are you currently eligible to receive benefits from any gvernment or CHAMPUS. VA, or other milikry prognms’ ? Yes No 27.1. _. _. (GO TO Q.27.1) (SKIP TO 0.28)

1 2

Which program is that? (Anything
(INTERVIEWER:

else?) (CODE ALL THAT APPLY.)

ONLY PERSONS 65 OR OLDER OR BLIND OR DISABLED SHOULD BE ELIGIBLE FOR MEDICARE. ONLY POOR PERSONS SHOULD BE ELIGIBLE FOR MEDICAID. CHAMPUS IS FOR AClTVE MILITARY.)

Medicare.. ..................................... Medicaid ....................................... VA/Champus .................................... Other (SPECIFY)

Ill 02 03 04

27.2.

Are you covered by any other type of health coverage such as employer or union plans, or Blue Cross-Blue Shield, a Health Maintenance Organization (HMO), or some other health ~IWUZUK~? Yes No (GO TO Q.28.1) (SKIP TO 0.41) I 2

.:\

2X.

Are you covered by any type of health coverage such as employer Maintenance Organization (HMO) or some other health insurance? Yes No (GO TO 4.28.1) (SKIP TO Q.32)

or union pl,ans or Blue Cross-Blue

Shield. a Health

1 2

28.1.

Is this coverage obtained through your employer or former employer, insunnce comp.any. AARP or what? (CODE ALL THAT APPLY.) Employer .............. Former Employer ........ Union ................ Direct Payment .......... AARP ................ Other (SPECIFY) ............ ............ ............ ............ ............

a union. through direct payments

to an

01 02 03 04 05 06

2x.2.

How is this coverage paid for -- by you, by an employer, ALL THAT APPLY .) R Employer Relative FORMER EMPLOYER Other (SPECIFY) (GO TO Q.28.3) (SKIP TO Q.41) (SKIP TO Q.41) (SKIP TO 0.41)

by you and an employer.

by a relative, or what’ (CODE !

01 02 03 04 05

(SKIP TO 0.41)

2X.3.

How much do you pay cxh S1_1_1,1_1_1_1

month for this insurance’ ?

Week ._.__..,,__......_.........,____......... Month .., ._ ., ,......_ .., . . Qwter __ ___ __ ., __ _..._ __ Year __ ., .._ _., .._ __ __ _....... Other (SPECIFY) (SKIP TO Q.41)

. .

01 02 03 04 US

RDOESNOTLIVEALONE 29. Are you or,myone your family living here (including family members with independent finances) currently eligible to in receive benefits from ‘ government he,& insurance programs, such as Medic.ae, Medicaid, or CHAMPUS, VA, or any militxy programs?

y6’ 30\

Yes (GO TO 429.1) I No ....... .........(SKIF'TOQ.30) ........ .......Z$j

29.1. Which program is that? (Anything else?) (CHECK ALL THAT APPLY.) (INTERVIEWER: ONLY PERSONS 65 OR OLDER SHOULD BE ELIGIBLE FOR MEDICARE. ONLY POOR PERSONS SHOULD BE ELIGIBLE FOR MEDICAID. CHAMPUS IS FOR ACTIVE MILITARY.) _. _. _. .,& ’ ,4X? z

xbti2

Medicwe

Ts::::::..........................
-‘ w

ktf

x (t3ob
29.3.

Yes No

(GO TO 429.3) (SKIP TO 029.4)

I

.A?5

Are you or anyone covered by ‘ other type of he&h coverage such as employer or union plans, or Blue Crossany Blue Shield, a Health Maintenance Organization (HMO). or some other health insurance? Yes No (SKIPTO 0.31) (SKIPTO Q.33) I

.A5

29.4.

Who is &
*b3°g
wl3eq

covered? (Anyone else’ (CODE ALL THAT APPLY.) !) 01 02 03 04
OS

R .__..___....___..___.._.
sp ouse

__ __ __ ..__ x (r 3/O Child(ren) Under IX ~63 // Child(ren) I8 and Over )Ib3/ 2 Father (In-Law) &z/f Mother (In-Law) &3I(l 30. o~p~~~$c I;Ji’ g

___

__ .._

___ .,

__,

06 htfl

09 10 covenge such ‘ employer ot union plans. or Blue Cross-Blue as Shield, R Health Mainten,uce Organization (HMO), or some other health insurance’ ?
Yes ................
(GO TO 4.31) ................. (SKIP TO Q.32) ..............

No ................

1 .25

31.

former employer. THAT APPLY.) 8 GYG
‘ .--) .j

IS this coverage obk+ned through your employer, former employer. or union. (your [husband’ s/wife’ p.utner’ employer. s/ s] or union,) through direct payments to M insurance comp.any. or AARP or somewhere else? (CODE ALL

R’ Employer s R’ Former Employer S a317 R’sUnion .,. _.._ _... Xb318 Ss Employer 1. xlr3,9 ‘ Former Employer s )tim~ xlr3zj S’ Union s ZDirect Payment IcbY ~....................................,.,,, X7’ Other +‘ (SPECIFY)-

__.,.,

__

.._

._ __.,

01 02 __ 03 W OS 06 07 OX
499

\=

chcdud

X63236Wcr pcrJm\ ir\

&&tu

p-n

ouhid~ M-4

HU

31.1.

How is &%%$ $d%?-%~yb??@” ALL THAT APPLY.)

~1 employer. in w

by you and an

Xbw

RfFNnily ; ;3$Employcr Relative FORMER EMPLOYER wsx? Other (SPECIFY) lo?* &$qw & JImwe How m%?@vv o

(GO (GO (GO (GO in

TO TO TO TO

Q.31.2) 0.3 1.3) 0.31.3) Q.31.3)

01 02 03

\= $2

cil&d h&ccH‘ ~Lc(

04
f

XG32t hu
z;T”

6-q-Erw.k
9”

uu(GOTOQ.31.3)&v~%

31.2.

ou (‘ Of -*“? faml y ?“dc and your wmg

ere) ltU each month for this insurance? pay

w1r7

Week /H 2 Month . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..~ Y I!?35 Quarter Year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..H4ir es-3 Other (SPECIFY)

..,_ ___ ..,

__ __ ,.......... ., ._ .___

_., .., __ ___

::?J

31.3.

Is everyone

in your family living here covered by at least one of these ptiv:lte he&h progr‘ ulls? (SKIP TO Q.33) (GO TO Q.31.4)
............... 1

Yes ................
No ................

.............. tinnnces)? (Anyone

.,fC$else?)

31.4

Who is m covered (including those with independent (CODE ALL THAT APPLY .) yb33O R . . . . . ..___..........._..__......,.____...... Spouse .,. ,,...,. . . . . . . . y(r~tChild(ren) Under 18 &$333 Child@@ 18 and Over x$33’ / Father (In-Law) &b 335 Mother (In-Law) y(,33b Other (SPECIFY)

x1331

. .

. .

,,......

.,

01 II2 03 04 05 ;I

4zc)&J
G rw4 &.e&&

dG33C hu t-10
& v&c why (you/some

32.

we xlr30z This is a list of wtsons whv some oeoole don’ have health insurance. t Which number && describes members of your family living here) ‘ not covered? (SHOW CARD 17) &e Too expensive, can’ afford health insurance t Can’ get insurance because of poor t health. age, or illness Don’ believe in he:Jth insurance t Not much sickness in the family; we haven t needed msurance Dissatisfied with previous insunnce Job layoff or job loss Other (SPECIFY) No+ cavd on jbb yet but Will 01 02 03 04 OS 06 07 II

hewn

,

33.

INTERVIEWER

CHECKPOINT:

SEE HOUSEHOLD

LISTING,

P.l

I OR MORE ADULTS WITH INDEPENDENT FINANCES (COL. F MARKED “INDEP”) (GO TO 0.34) ALL OTHERS (SKIP TO 0.41)

I 2

34.

I’ like to ask some questions just about the other adults 18 and over who live with you (‘ d and your family) but have independent finances. (Does he/Does she/Do any of these other adults) receive any income from wages or sakries’ ! Yes No __..___......... DON’ KNOW T (GO TO 0.34.1) (SKIPTOQ.3S) (SKIP TO Q.35) I .Z-‘ B 8

#OZ

34.1.

Roughly how much total income did (he/she/they) deductions? (ACCEPT RANGE.)

have from wnges and saJaries in 1991 before taxes and

xb&p3

%: 1_1_1_1.1_1_1_1_1_1_1_1
DON’ KNOW T (SKIP TO Q.3S) 99Y999998 (IF R ONLY TOLD

34.2.

Did you include this :unount in the income you told me about earlier in this interview? ABOUT PART, MAKE NOTE.) Yes ................ No ................ (ASK Q.34.3) .......... (GO TO Q.35). .........

34.3.

35

(Does he/Does she/Do they) receive income from nny other sources (such as so&J

security. a pension,

disability

payments,

#+35.1.

Yes No DON’ KNOW T

(GO TO Q.35.1) (SKIP TO Q.36) (SKIP TO 0.36)

I

2s
8

(CODE

What other sources of income (does he/does she/do they) have? ALL THAT APPLY.) social swuriry Pensions Disability Public Assistance Interest Income Dividends Business Real Estate Other (SPECIFY) Ill 02 II3 04 OS 06 07

X’ crWb &a7 xoyog

xbq#9
fby,o Xv/l~ xuy~2

. ..:‘ .‘ . ; ! .‘ .

3S.2.

Roughly how much total income did (he/she/they) deductions?

have from (‘ these/this) all

source(s)

in 1991 hefOx taxes and

DON’ KNOW T

(SKIP TO Q.36)

99999999X (IF R ONLY TOLD

Did you include this iunount in the income you told me about earlier in this interview’ ? ABOUT PART, MAKE NOTE.) Yes No (ASK Q.35.4) (GO TO Q.36) . b,& . no a;&&_ I 2 3mtJ\ i/\

*5 ) Gwr+. u&teed au+ ecvliu-. Where did YOU tell me about this income? yt5,

&st(

( ,, 4

36.

(Does he/Does she/Do any of them) have any cars or other vehicles? Yw No ,, Roughly, (GO TO 0.36.1) ..(SKIPTOQ.37) I #Zr RANGE.)

x bJJ7 36.1. )((&g

.._.

.__,,

,,,.. (ACCEPT I

how much (is this/nre these) vehicle(s)
$l_l_l_l.1_1_1_1.1

worth now? I I

DON’ KNOW T ::a i 36.2.

99999999X (IF R ONLY

Did you include (this/these) vehicle(s) in the ones you told me about earlier in this interview? TOLD ABOUT PART, MAKE NOTE.) Yes No ................ (GO TO 0.36.3) (GO TO 0.37). I 2 . -3 no appom+ mj&, in

................

5 omt &-aj
36.3. Where &

auf

ybu tell I& about this/these

........ .whcr vehicles’ yes, ? bl,+

h

A&,

,. q

37.

(Does he/Does she/Do they) have any bank accounts.
Yes ................

savings accounts.

or savings bonds? 1 15 8 savings accounts, or savings bonds?

(GO TO Q.37.1)

xwO

No ................ DON’ KNOW T

.......

(SKIPTOQ.38) (SKIP TO Q.38)

............... ............... ...............

37.1.

Roughly how much in tokti (does he/does she/do they) have in bank accounts, (ACCEPT RANGE.) $ l_l_l-1,1_l_l_l,1-l-l-l DON’ KNOW T (SKIP TO Q.38) 99999999X

y(lf.j2\

37.2.

Did you include this amount when you told me about these items earlier in this interview? ABOUT PART, MAKE NOTE.) Yes No (GO TO Q.37.3) (GO TO Q.38) I ?

(IF R ONLY TOLD

-_/

31.3.

Wheredid you tell me about this/these items?

38.

(Does he/Does she/Do they) have any other assets (such as stocks, bonds, a business. including any part of the [house/apartment] you live in)? Yes No DON’ TKNOW 38.1 (GO TO Q.38.1) (SKlPTOQ.40) (SKlPTOQ.40)

or any properties.

.

.

. . 1 &T 8

What other kinds of assets (does he/does she/do they) have? (CHECK ALL THAT APPLY.) (SHOW CARD 18) w&UZq xf/‘ /Z( .@>b R’ sHome..................................,.... Stocks Bonds MutualFunds Money Market Funds Business Other Real Esrate 01 02 03 04 05 06 07

,,tq>‘ l
xbqzfi y(ry2~ x/,q3o

.

.._.........

‘ W
38.2 (ACCEPT RANGE.)

)(6‘ b\: Ars 9,/o v&r

(does he/does she/do they) have in (all these rthis) asset(s)?

DON’ KNOW T 38.3.

. (SKIP TO Q.39)

999999998 (lF R

Did you include this amount in the asets you told me about earlier in this interview? ONLY TOLD ABOUT PART, MAKE NOTE.) Yes.. No DON’ KNOW T (GOTOQ.38.4) . (GO TO 4.39) (GO TO Q.39) . . . . ;;+:\f . 1 2 8

.

38.4.

mG

*’

f!$

39.

INTERVIEWER

CHECKPOINT:

SEE 4.38.1.

“R’ HOME” MARKED S IN 9.38.1 . . . . .

(GOTOQ.39.1)

. . . .. . . . . . . . . . . 1

39.1.

What share of this home (does he/does she/do they) own? l-l_l_l.l_l_l PERCENT

Y-168

39.2.

What is the present value of this home?

1 man,

about what would it bring if it were sold today?

39.3.

What is the amount still owed on all the mortgages,

land contmcts

‘ and loans on the home?

(ACCEPT

RANGE.)

NOTHING

O(XHXXK)W

40.

Not including

debts? (IF R ASKS:

‘ any debts (he/she/they) owe(s) you (or your [husbandlwifelp‘ utnerl), DO NOT INCLUDE MORTGAGE ON R’ HOME.) S Yes No __ _. DON’ KNOW T (GO TO 0.40.1) __ (SKIPTOQ.41) (SKIPTO Q.41)

(does he/does she/d/dothey) have any

._.

_.

__.

I .Z.c 8

40.1.

Roughly how much in totaJ we these debts?

%043q
40.2.

$’ T IKNOW ’ DON’

lJ_1-l

111 I (SKIP TO Q.41)

,

,

‘ WN9999X

Did you include these debts when you told me about the household TOLD ABOUT PART, MAKE NOTE.) Yes _........ ___ ___ . . . . . .

dehw earlier in this interview’ ?

(IF R ONLY

. .

.

1

40.3.

That finishes the actual interview.

Is there anything

you would like to add to nny of the subjects

we’ discussed? ve

41.1.

Exact Time Now: I

I

I:I

I

I

INTERMEWRR:

COMPLETE 4.42 AND Q.43. 4 3. E N D 0 F I N T E R V I E W E R

42.

END OF INTERVIEWER REFERENCE: RESPONDENTS BMPLOYMENT/PENSION INFORMATION. R IS COVERBD BY I%NSION ON CURRENT JOB (lORMOREPLANSATSECTIONR.Q.18) _......._........

l

Y-170

I
Master ,, Frequency List

l=Day ,: 2=Week 3=Biweekly 4=Month 5=Q"arter 6=Year 8=Lump sum/One payment/In total ll=%ice per year; every six months 12=Bimonthly 13=Every three years 14=By the job/piece 15Sontinuously floating rate/Whenever rate changes 16=Every Seven years 18=Hour 22=Other number or interval ---_) -7i:'Policy paid up 22=varies 23=Thirteen times a year; every four week:; 24=Every six weeks 25=Every t~wo years/Over two years 26=Every four years 27zEvery five years 28=Every ten years 29=Per visit

Previous ~:_?Where

Loan

List tell me about this loan?

did you

_i'l~Credit card 2=1st mortgage 3:2nd mortgage 4=Home equity loan 5zLine of credit 6=Other real estate loan 7i:Other ---> -7 8zVehicle Loan 9zEducation loan lO=Other "section I" loan ll="Other loans" in section N (X4032) lZ=Remodeling loan l?=More than one mortgage on principal resident:? 14Sombination of line of credit and ot:~hrlreal est~ate -:'.r

Joint 1 2 3 4 5 6 I 8 9 .",'lO 50 51 97

account

list

Joint account Respondent's account Spouse's acCO"nt ',> ,' Other family member Child only Child and respondent or spouse Other relative Other relative with respondent or spouse Unrelated person, NFS Unrelated person with respondent or spouse Trust account Personal business account

Type
11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 31 32 33 34 35 37 38 39 40 41 42 50 51 52 61 62 75 80

of institution Commercial bank; "trust company Savings & Loan association or savings bank Credit union Finance or loan company Store or dealer Brokerage company; "mutual fund" -- NFS Insurance company Mortage company Contractor or developer Prior owner Automobile finance company; GMAC, Ford CDT Doctor or hospital; dentist LaWyer Accountant Employer Friend or Relative (not codeable above) Individual Lender/Advisor (not codesble ah:>-ve) Pension Administrator Real estate (investment) company School/college/university Local/county/state government :except code 4.2) Special federal government agency; FMHA, SHA, VA, FHA, HUD, NDSL Federal government general or MA agency; IX Self/spouse (manages own trust! Bank or (general purpose credit rard cornpar;,; Visa, Carte Blanche, Master Card (except >xsrican Exp~;%; code 51) Union Church American Association of Retired Persons (A?.KP) courts Discover card (Sears) (V415-418 only) ("Sears" only use code 15) American Express/Optima card AT&T card NEA, NT~& (V415-418 Only) Other membership organization; 22, Tribal and similar organizations Foreign institution type Direct st~udent Loan NW (incl~ld:,reference; to Stafford, I when a i:.:~2specific Per-bins, Fo1.d. etc. .studir~:t(J,::::; institution reference is not available) (mutual) turds , NFC Money market Farm-related lenders (not rcodixlb?eabove), dr NA if membership group or government agency Investment/management companies or consulc~?llts (not elsewhere classified) Non-financial institution (except codes 4i-;L and 61) Combinations of TYPES of financial institutions ---> -1 Other --> -7 Don't Know --> .U Not Available --> .N

92 93 94 95 96 97 98 99

LOAN PURPOSE MASTER CODE LIST Home Purchase, Addition or Repair of Current Residence w Own home purchase 5 Home improvements or additions (incl. assessments for sewer/sidewalk, etc.) (JL~)Home repairs/maintenance/upkeep Car/Household Durable Goods 10 Car 11 Refrigerator 12 Stove/range; microwave oven 13 Dishwasher 14 Freezer 15 Air conditioner 16 Washing machine (incl. washer/dryer combination) 17 Dryer 18 Furniture (excluding pianos and organs -- see code 34); lamps; mattress and spring combinations; rug and/or carpet; other household furnishings 20 Vaccum cleaners 23 Home computer; calculator; computer terminal 24 Truck/jeep/utility vehicle 25 Combination of appliances (incl. TV); "appliances" -- NA type 26 Combination of furniture and appliances 29 Other appliances or durable goods; sewing machine; typewriter Small/Indoor Hobby or Entertainment Goods 31 Stereo; phonograph (may include radio); include sound equipment; amplifiers here; radio (AM or FM); tuner; CB equipment; tape recorder, ?+tape player (cassette or reel-to-reel); CD player "fPian0; Organ 3& Musical instruments (excl. piano and organ) 36 TV --Cole or black and white; "home entertainment Center” (including combination TV, radio, phonograph); video cassette recorder/player (VCR); video tamer (Can-corder) 49 Other small/indoor hobby and entertainment items (incl. pool tables and regular cameras) 50 Power tools and yard equipment Outdoor Hobby and Recreation Goods 61 Boat; boating equipment (incl. trailer) 63 Montorcycles; bicycle; moped; snowmobiles; off-road vehicles 65 Camper-trailers; RV -- NFS 67 Cottage; vacation property; mobile homes -- seasonal residence current residence, code 01); "motorhome" 69 Other outdoor recreation items; horse

(if

SAVINGS AND INVESTMENTS 71 Invest in Bus #l 72 Invest in Bus #2 *-<+ 13 Invest in Bus #3 74 Invest in own business, other than 71-13 or NA which or all 75 Business investment (own) (ext. 71-74), incl. businesses now defunct 76 Other asset investment; bought stocks/bonds; IRA deposit; gold; "investment" -- NFS ; Investment real estate (incl. cemetery plots and additions and ‘-'repairs to investment property); farmland (ext. 71-74); include businesses of self-employed R's who don't report a business in the M section 79 Other investments

SPECIAL EXPENSES 80 Divorce/separation expenses 81 Travel/vacation expenses 82 Medical/dental expenses; attorney's fees 83 Education/school expenses 84 Tax and insurance expenses (ext. vehicle, code 93) 85 Weddings/funerals/other "occasions" 88 Moving expenses 89 Other special expenses; encyclopedia; health membership MISCELLANEOUS PERSONAL NEEDS 90 "Personal loanll--NA what for 91 Bill consolidation; "bills" 92 Personal items, incl. clothing, jewelry 93 Vehicle repair/upkeep (incl. insurance) 94 Gifts; goods or gifts of money; "Christmas" 95 Living/general expenses 96 Loans made to others; "loaned friend/son money for a house" --5 -7 97 Other

SECTION 22:

INTERVIEWER OBSERVATIONS

? ,_s

1.

RELATIONSHIP

OF R TO INFORMANT: RIS INFORMANT .._ .._ __ 1

OTHER: R IS OF INFORMANT.. _. . 2

2.

TYPE OF STRUCTURE

IN WHICH FAMILY

LIVES:

INTERVIEW NOT CONDUCTED ATR’ SHOME (SKIPTOQ.10) TRAILER: DETACHED 2.FAMILY MOBILE HOME HOUSE

. ..__.........

00 01 02 03

SINGLE FAMILY HOUSE,

2 UNITS SIDE BY SIDE

2.FAMILY HOUSE, THE OTHER DETACHED

2 UNITS ONE ABOVE .._ .._. __ . . . . . . . . . . . . 04 HOUSE . . . 05

3-4 FAMILY

;<.a i

ROW HOUSE (3 OR MORE UNITS IN AN ATTACHED ROW) APARTMENT HOUSE (4 OR FEWER UNITS)

06 07

CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 3 STORIES OR LESS) CONDO/APARTMENT UNITS, 4 STORIES HOUSE (5 OR MORE OR MORE)

. .

08

. . 09

APARTMENT IN PARTLY COMMERCIAL sTRucTURE.................................. OTHER (SPECIFY):

10

-7 maitck
-oote . . _ . - . * - -: 12 1

Cov’ housina f
Co-op/C*rh~*f,

zz-171

3.

NEIGHBORHOOD: APPLY.

LOOK AT THE STRUCTURES

ON R’ BLOCK AND CODE AS MANY AS S

VACANT

LAND HOME HOUSE

TRAILER/MOBILE DETACHED

SINGLE FAMILY

Z-FAMILY HOUSE; SIDE BY SIDE OR ONE ABOVE THE OTHER . DETACHED 34 FAMILY HOUSE .

ROW HOUSE (3 OR MORE UNITS IN AN ATTACHED ROW) APARTMENT HOUSE (4 OR FEWER UNITS) HOUSE (5 OR MORE OR LESS) ..................... HOUSE (5 OR MORE OR MORE) .................... STRUCTURE ..........

XOSJ 2
xG5)3
)(b!d XbS)S x(,r/ x ~p,-)v (/

CONDO/APARTMENT UNITS, 3 STORIES CONDO/APARTMENT UNITS, 4 STORIES

OR-

6-J!Xr W 6 fi d d \ .......’

COMMERCIAL PARK j .$0Jf. SCHOOL

OR INDUSTRIAL .C+r%.

........................ BUILDING ...............

OR OTHER GOVT.

VACANTBUILDING

..............................

x77bs’
XbSl8

FARM ......................................... OTHER (SPECIFY):

4.

BUILDINGS

IN THE IMMEDIATE ALLRESIDENTIAL

NEIGHBORHOOD

(LOOK UP AND DOWN THE BLOCK) 1 2

ARE:

............................... ............................

Jbg’ q

MOSTLYRESIDENTIAL

ABOUT EQUALLY RESIDENTIAL AND NONRESIDENTIAL ........................ MOSTLY NONRESIDENTIAL ........................

_

3 4 5

NONE IN VIEW

..................................

5.

HOUSING

STRUCTURES

ON BLOCK ARE: ................................ ............................... ............................ 1 2 3

O-20 FEET APART 21-100 FEET APART

‘ 4

OVER 100 FEET APART

Z-172

6.

CONDlTlON

OF BUILDING

EXTERIOR

IS: _. I

CLEAN AND SOUND SOME PAINT PEELING OR CRACKS lN MASONRY NEEDS SUBSTANTIAL ORREPAlR _....., DlLAPlDiTED

2

PAINTING. REFILLING, .., _____ . . . . . . . . .

. . . . .

. . 3 4

,....,,,..._____...................

7.

CONDlTlON OF THE EXTERlOR STREET) LOOKS:

OF BUILDINGS

ON BLOCK lN GENERAL

(BOTH SIDES OF

BETTERTHANR’ S................................ AS GOOD AS R’ ................................. S WORSE THANR’ S ................................ IN VIEW

I 2 3 4

NO OTHER BUILDINGS

8.

PLEASE RATE THE PHYSICAL

CONDITION

OF THE INTERIOR OF THE HfJ:

EXCELLENT: WALLS AND CEILINGS HAVE NO CRACKS: PAlNT OR PANELLING IS lN GOOD CONDITION GOOD: NEEDS SOME MINOR PAINTING OR REFINISHING FAIR: NEEDS MAJOR INTERIOR WORK--HOLES AND/OR CRACKS NEED PATCHING, PAINTING NEEDED, ETC. POOR: SOME WALLS OR CElLINGS NEED REPLACEMENT . DON’ KNOW--WASN’ T T INSIDE HOUSE

1

. 2

3

4

.x5

9.

NEIGHBORHOOD

RESIDENTS ALL BLACK ALMOST

SEEM TO BE: ..................................... ............................. ................ 1 2 3 4 5 8

ALL BLACK

HALF BLACK ALMOST

AND HALF NON-BLACK

ALL NON-BLACK

.........................

ALL NON-BLACK DON’ TKNOW

................................ ................................... zz-173

10.

R’ UNDERSTANDING S

OF THE QUESTIONS

WAS I 2 3 4

EXCELLENT GOOD FAIR POOR

.....................................

......................................... .......................................... ..........................................

c,.l

11.

R’ ABILITY S

TO EXPRESS EXCELLENT GOOD FAIR POOR

(HIMSELF/HERSELF) .....................................

WAS I 2 3 4

......................................... .......................................... ..........................................

12.

WAS R SUSPICIOUS

ABOUT THE STUDY BEFORE

THE INTERVIEW?

NO, NOT AT ALL SUSPICIOUS

...................... ......................

I 2 X

YES. SOMEWHAT VERY SUSPICIOUS

SUSPICIOUS

...............................

5
: /

13.

WAS R SUSPICIOUS

ABOUT THE STUDY AFTER THE INTERVIEW?
I

NO. NOT AT ALL SUSPICIOUS YES. SOMEWHAT VERY SUSPICIOUS SUSPICIOUS ...................... .8

2 5

..............................

14.

OVERALL,

HOW GREAT

WAS R’ INTEREST S

IN THE INTERVIEW’ ? I 2 3 4 5

VERY HIGH

..................................... ................................

ABOVE AVERAGE AVERAGE BELOW

...................................... ..............................

AVERAGE..

VERY LOW

.....................................

15.

OTHER PERSONS

PRESENT

AT THE INTERVIEW: (CODE ALL THAT APPLY)

,q

x&r30

CHILDRENUNDER CHILDREN SPOUSE

..__........................._

,f f

XGs31

6 AND OVER

r(rs32
X6S33
xbr3q x‘ rs

. . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . f 4 tf ._ . ___. __. .I:

chdcd chdd s:)9dt
/s

OTHER RELATIVE OTHER ADULTS NOONE .._

16.

DID R REFER TO DOCUMENTS FREQUENTLY SOMETIMES.. RARELY NEVER

TO ANSWER

QUESTIONS’ ? I 2

................................... ...................................

........................................ ............. (SKIP TO 0.18) ...............

17.

WHICH

DOCUMENTS

DID R REFER TO’ ? (CODE ALL THAT APPLY)

LOANDOCUMENTS... dwunt 5tatcvn~~.

., .____ ___.. . . . * I

.,.._ __, __, ,, . _ . . , e-r.

g+g 3

th*jLiG
for Si,~

ifis.
1 . -

* ** **

1;

’ - - - I3

PENSION DOCUMENTS

#3 2

OTHER

(SPECIFY)

18.

IN WHAT LANGUAGE

WAS THE SURVEY

CONDUCTED?

19.

WHAT IS THE FINAL DISPOSITION

OF THIS CASE?

,_,_,

Don’ +

p,now

. .

. * **

h-M+ t-175

20.

THUMBNAIL SKETCH:

A-148