for information only household listing history 1983 … · v.?. you r”a~r9.d “h.n w....

mu,., IY~Y 3unWtl Ut LUNbUMtK hlNA.Nctb;-.PAtjtL HOUSEHOLD LISTING UPDATE :

Pl-o]~Ct 6, (466243)

7203 GO TO ITEM 14 ON REVERSE S,DE

3. -.-

V.?. you r”a~r9.d “h.n w. t”t.rY1.w.d you on (DATE OF ‘83 INTERVIEW)?

GO TO ITEM “4 ON REVERSE SIDE

FOR INFORMATION ONLY HOUSEHOLD LISTING HISTORY

1983 CASE ID: 4128 1986 CASE ID: +***

I BACK 1989 SURVEY OF CONSUMER FINANCES - PANEL ProjPct 69 (466243)

7aoq- d przwn% 0% hHI ~HOUSEHOLD LISTING UPDATE

SAMPLE ID: 48-99-02-l-l DATE OF LAST INTERVIEW: 07-01-83 4.

5. 6. 7. 8.

[ASK IBOUT EACH PERSON] In mat month .nd y..r Y.S (PERSON1 born, [ENTER ANSWER IN CoL. ti

[ASK ABOUT EACH PERSON] I. (PERSON) I,vln,~ tn ywr hpu,.h~ld wr, [ENTER ANSWER IN COL. 91

[IF ‘NO’ IN COL 91 VhPn did (PERSONj (meva out/elm)? [ENTER ANSWER IN COL. n]

[ASK OF ALL HOUSEHOLD ADULTS 21 YEARS AN0 OLDER. EXCEPT RESPONOENI AND SPOUSE.] I9 (PERSON, f,nancl.ll” l”d.D.“dP”,? [ENTER ANSVER IN COL. *I

8a. IUER: I”~+cM. ‘89 R lay p,ac,“g l n ‘R’ I” Column .

10 . mmt

11. IASK

12. [ASK

90 TO'0NAI.E co TO ~lE..~~4

ts tn. *.x. *g.. l nd r.1.ttonmcp to you 01 ..cn Of tn. MY nw*.nold m.nYHr*,

FOR EACH NEW PERSON] In “bat month and y..r w.P (PERSON) Da-n’) [ENTER ANSWER IN COL. f]

FOR EACH NEW PERSON] wh.” d+d (PERSON) ~OYP t” 14th you7 [ENTER ANSWER IN CDL. n]

FOR EACH NEY HOUSEHOLD .OULT 32 YEARS AND OLDER.1 II (PERSON) ffnanc1.lly Indcw-nt?

3

4

5 -L:

I

For Office Use Only

P. d 65 (466293) FALL WINTER 1989

PANEL SCF

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

INTERVIEWER IABEL

1. IWER ID No.: ;

2. Your IW No.:

3. Date of IW: 3 -? c-6

4. Length of IW: 7 (minutes)

5. Length of Edit: (minutes)

6. Mode of IV: 1. O!

3 2. cl

Face-to-Face Telephone

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

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

REVIEWED BY:

0 SUPERVISOR EDITOR

DATE DATE

2

AO.

Al.

AZ.

A3.

363

A4.

SECTION A: ATTITUDES AND FINANCIAL INSTITUTIONS

!XACT TIME NOW:

I'd like to start this interview by asking you about your expectations for the future. Over the next five years, do you expect the U.S. economy as a whole to perform better. worse. or

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

Over the next five years, do you expect your total (family) income to go up more than prices, less than prices. or about the same as prices?

Over the fast five years. did your total (family) income go up more than prices, less than prices. or about the same 8s prices?

.-I[ vy 11. UP MORE ) 13. ABOUT THE SAME j 12. UP LESS )

3

A5. The next few questions are about the financial instirutions that you do business vith.

How many financial institutions do you (and your family living here) have accounts vith or regularly do personal financial business with? Include banks, savings and loans, credit unions, loan companies, and brokerages. &z not include institutions where you have only a credit card account

(IWER: ACCOUNTS USED ONLY FOR BUSINESS SHOULD u BE INCLUDED)

GO TO A5b TURN TO P. 7. SECTION B

pii7 ~~~~~ Uhat'is the name if this financial institution?

(IWER: WRITE THE NAME OF THIS 1NSTIT"TION ON LINE 1 OF CARD A. IF INTERVIEW IS IN PERSON, HAND R CARD A. READ:) This will be referred to as Institution #l throughout the interview.

GO TO ASk

ASb. IWER: ASK A5c - A5h AND WRITE NAMES OF FINANCIAL INSTITUTIONS ON CARD A. NOTE: ORDER IN WHICH INSTITUTIONS ARE LISTED IS NOT IMPORTANT. _.

A5c. What is the name of your (family's) main financial institution?

A5d. What is the name of your (family's) next financial institution?

A5e. (And the third?)

A5f. (And the fourth?)

A5g. (And the fifth?)

A5h. (And the sixth?)

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

A5k. Can you (or your family living here) deposit or vithdraw money from (this institution/any of these institutions) using an automated teller machine or ATM?

306

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

4

A6. (About Institution #[l/2/3/4/5/61), what kind of institution is this7 (Is it a commercial bank, a savings and loan or savings bank, a credi, union, 8 finance or loan company, a brokerage, or what?)

INSTITUTION #l 1 ,:;;;I;' / ,~"'~~,"I~'

12. S&L/SVINGS BNK 12. S&L/SVINCS BNK

11. COHn. BANK

12. %L/SVINCS BNY

13. CREDIT UNION

14. FIN./IJMN CO.

16. BROKEP.AGE

97. OTHER:_

-Ts!aL_ 97. OTHER:_ 97. OTHER:

31-A -3lC

I I 98. DON'T KNOW 98. DON'T KNOW 98. DON'T KNOW

1. BY ATM 313 1. BY ATM31-7 AJ. How (do you/does your family) typically do business with this institution (--by ATM in person, by mail, by phone, or some other way)?

1. BY ATM 's@

2. IN PERSON 2. IN PERSON 2. IN PERSON

3. BY MAIL 3. BY HAIL 3. BY !lAlL

4. BY PHONE -i.-BYPHONE 1 4. BY PHONE 1

6. DON'T DO REG. BUSINESS

6. DON'T DO REG. 6. DON'T DO REG. BUSINESS BUSINESS

7. OTHER 7. OTHER

3 I‘\ 32 MILES MILES

96. LESS THAN 96. LESS THAN A ii1I.E A MILE

7. OTHER

AB. Roughly. hov many miles is the office or ATM of this institution from the home or workplace of the person who uses it most often? (ACCEPT RANGE.) (IF R ASKS: WE WANT THE CLOSER OF THE DISTANCE FROM HOME OR WORKPlACE.)

3to MILES

96. LESS THAN A MILE

51. OVER 50 MILES

97. LOCAL PHONE OR POST BOX

98. DON'T KNOW

7 311 1. ONLY 1 INST.

TURN TO P. 7, SECTION B

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

98. DDN'T KNOW I 98. DON'T KNOW I

1. ONLY 2 INST. INST. I A9. INTERVIEWER

CHECKPOINT (SEE A5m) TURN TO P. 7. TURN TO P. 7.

SECTION B SECTION B

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

5

97. OTHER:_ 97. OTHER:_

2. ALL OTHERS GO 2. ALL OTHERS GO

6

THIS IS A BIANK PAGE

SECTION B: ATTITUDES TOWARD CREDIT/CREDIT CARDS

Bl. Now I would like to ask you some questions about how you feel about credit. In general, do you think it is a good idea or a bad idea for people to buy things on the installment plan?

B2. People have many different reasons for borrowing money which they pay back over a period of rime. For each of the reasons I read. please tell me whether you feel it is all right for someone like vowself to borrow money...

qazB2a. first, to cover the expe"ses.of a vacation trip?

qQB2b. next, to cover living expenses when income is cut?

94B2c. (next,) to finance the purchase of a fur coat or jewelry7

(10(B2d. (next.) to finance the purchase of a car?

(l*2e. finally. to finance educational expenses?

B3. In the past five years. has a particular lender or creditor turned down any request you (or your (husband/wife]) made for credit, or not given you as much credit as you applied for? (Turned down. or not as much credit?)

$7 1. YES, TURNED DOWN 3. YES, NOT AS MUCH CREDIT I 5. NO

I J

4 GO TO 84

B3a. Were you later able to obtain the full amount you (or your husband/wife) requested by reapplying to the same institution or by applying elsevhere?

B4 Was there any time in the past five years that you (or your [husband/wife]) m of applying for credit at a particular place, but changed your mind because you thought you might be turned down?

0 1. YES

B5.

86.

B7.

BE.

B9.

BlO,

Now I have some questions about credit cards. Do you (or anyone in your family living here) have any credit cards?

TYPE_______>

EXAMPLES--->

How many different (TYPE) credit card accounts such as (EXAMPLES) do you (and your family living here) have? (READ ONCE: Please do not count duplicate cards or any business

for the same account or company accounts.)

During the last month, roughly how q ucl were the m charges made to (this/all these) (TYPE) account(s)? (ACCEPT RANGE)

After the last payment(s) (was/were) made on (this/these) account(s), roughly what was the balance still owed on (this/all these) (TYPE) account(s)?

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

(Please look at Card A.) (Is this/ are these) with any of the institution(s) (you told me about at the beginning of the interview/on Card A), or from someplace else? (CtleCK All THAT APPLY.) [IF CARD A: Which institution(s)?] [IF "SOMEPIACE ELSE": What type(s) of institution(s)?]

I

I -

I

‘

COLUMN A

BANK-TYPE Visa. Mastercard. Discover. Optima

96. NONE ----:

q/t #ACCTS

97. SOME. DK HOW MANY

J9996. NONE (

19996. NONE 1

31. #l 04. x4

12. x2 05. #5

33. x3 ) 06. #6

11. corm BANK

SO. SEARS

il. AN. EXP.

37. OTHER: _

W-4/8

COLWN B

STORE Sears. K-Mart and other Dept. stores

96. NONE ----:

VIP #ACCTS

l

GO BACK TO B6. COL. C

GO BACK TO B6. COL. B

9

COLUMN c

GASOLINE

Gulf, Texaco

COLUMN D

GENERAL PURPOSE American Express,

Diners Club, Carte Blanche

I 196. NONEI----> 196. NONE\-----: I I II

q22 aACCTS I ci2g #ACCTS

9996. NONE 9996. NONE

I

s Yzv I $ 427 9996. NONE 9996. NONE

GO BACK TO GO BACK TO B6, COL. D 86, COL. E

Bll. INTERVIEWER CHECKPOINT

COLUMN E

OTRRR

Airline, Car Rental or other

. ~~-zTO

4a #ACCTS

97. SOME, DK HOW MAh’Y

$ 425 9996. NONE

$ 430

9996. NONE

SEE B6, COLUMNS A AND B

P

1. R HAS EITHER BANK CREDIT CAP3 a STORE CREDIT CARI

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

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

11 D5. What is the legal ownership status of this (farm/ranch). Do you (or your family

living here) own this (farm/ranch), do you ovn _ of it, do you rent it, is it ti owned by a business, or what?

I NEXT PAGE. P. 15. D17

I D6

5a. Does the (farming/ranching) business pay any rent for the use of the property?

m 1. YES

7

I 5. NO -->GO TO

D5c

5b. How much rent do you (or your family living here) collect each month?

NO $ PER 511

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

5d. I will ask you more about the business operation later. The rest of the questions in this section will refer to the entire property. Could you tell me the present value of this entire property -- that is, vhac would it bring if it were sold today?

7. OTHER:

I

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

D5e. Do you (or your family living here) pay the business any rent for this house? s-14'

I 1. YES 5. NO

TURN TO P. 15. D17

i D5f. In what month and year did

you move into this (farm/ ranch)?

TDRN TO P.27, D68

TURN TO P. 16, D20

12

R OWNS PAFIT OF FARM/RANCH

,6. Does the (farming/ranching) business pay m (or your family living here) any rent for the use of the property?

D6a. How much rent do you (or your family living here) collect each month?

$ cl8 PER cts

17. Do you (or anyone in your family living here) pay any rent for this property?

1. YES

7

520 El 5. NO --> GO TO DE

D7a. How much rent do you (or ybur family living here) pay each month?

$ SZl PER 523.

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

=3 PERCENT OR ACRES

9. Do you (or anyone in your family living here) own this house and the immediately surrounding land?

--> GO TO DlO

D9a. Could you tell me the present value of just this house and lot? I mean, about what would it bring if it were sold today?

10. Could you tell me the present value of the entire part of the property you ovn? I mean, what would it bring if it were sold today?

TURN TO P. 16. D20

Dll. Now I have some questions about your home. Do you (or your family living here) own both this mobile home and site or lot, do you ovn only the mobile home, do you ovn only the site, do you rent both the home and site. or what?

7. NEITHER

NEKT PAGE, D14

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

I 1 TURN TO P. 27. D681 I I I

1

Dlla. About how much rent do you pay on this home each month? $ 6O1 PER go3

Dllb. Could you tell me the present value of the site? I mean, about what would it bring if it were $ 6oq sold today?

Dllc. In what month and year was this site purchased?

Dlld. How much did this site cost vhen it was purchased? $ 607

GIFT/INHERITANCE

ASK VALUE WHEN RECEIVED TLW TO P. 16. D22

R OWNS ONLY MOBILE HOME

About hov much rent do you pay on this site each month? $ k. PER 4's

Could you tell me the present value of this mobile home? I mean. about what would it bring if it were sold today? $ c/u

In what month and year was this mobile home purchased? &+16 MONTH/W.AR

How much did this mobile home cost when it was purchased? $

1113

GIFT/INHERITANCE

ASK VALUE WHEN RECEIVED

I

14

R RENTS MOBILE HOME AND SITE Dl3. About how much rent do you pay on

this home and site each month? $ 61s PER 620

D13a. In what month and year did you move Into this mobile home? 611

I

TURN TO P. 27, D68

R OWNS BOTH MOBILE HOME AND SITE 14. Could you tell me the present value of this home

and site? I mean, about what would they bring if they were sold today? $ 613

15. Were the site and mobile home purchased separately?

1. YES 6xu

[$

5. NO

.P D15a. In what month and year was DlSe. In what year and month va,

this mobile home purchased? this mobile home and site

+$&+

purchased?

633l63cI MONTH/YEAR

DlSb. How much did the mobile home cost when It was purchased? D15f. How much did the mobile

62-1 home and site cost when $ they were purchased?

b@ $ 63s’

GIFT/INHERITANCE


D15c. In what month and year was this site purchased?

617 100 MONTH/YEAR

t)L 1 GIFT/INHERITANCE

ASK VALUE WHEN RECEIEVED

TURN TO P. 16. D22

D15d. How much did this site cost when it was purchased?

$ 63r

6321 GIET/INHERITANCE


TURN TO P. 16, D22

15 D16. Now I have some questions about your home. Do you (and your family living here)

own this (house and lot/apartment/farm/ranch), do you pay rent. do you own it as B pert of s‘condo, co-op. tbvnhouse~ asso&tion, or what?

1. OWNS OR IS BUYING; > D16a. Is this a single family dwelling or L4ND CONTRACT does the building have more than one

one unit?

[E/--X0 TO D17 : 1. SINGLE HU-->NEKT PAGE, D19 701

2. MULTIPLE HU-->NEKT PAGE, DlB

D16b. How much are your (condo/co-op/ 5. TOWNHOUSE ASSOC. tovnbouse association) fees7

""""""""5' $703 PER-w

NEKT PAGE, D19

D16c. How is that? 7or

IF m IN R'S FAMILY LIVING THERE APPEARS TO OWN m PART, MARK "1. OWNS OR IS BUYING" IN D16, FOLLOW SKIPS IN D16a

Dl6d. In what month and year did you move into this home?

3oL 170') MONTH '/ YEAR

TURN TO P. 27, D68

R PAYS REM

1 I

I

J

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

D17a. Does that include some or all utilities?

710 FYeS, 13.1 15.

D17b. Do you rent it furnished or unfurnished?

74 piiiiq 3. PARTIALLY FURNISHED

D17c. In vhar month and year did you move into this (house/apartment/ farm/ranch)?

113, klONTH/YEAR

TURN TO P. 27, D6B

I

16

R LIVES IN MULTIPLE HU STRUCTURE

Dig. Do you own the entire building or just your unit?

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

715 UNITS

D19. What is the present value of this (home and land/apartment/property)? I mean, about what vould it bring if it were sold today?

(IWER: PROPERTY REFERS TO WHATEVER PART R OWNS OF THEIR HOUSE AND LOT, APARTMENT, BUILDING, FARl$. RANCH, I4OBILE HOt'lE, AND SITE.)

D20. How much did it cost when it was purchased?


D21. In what month and year was it purchased?

719 /tp liONTH,'YEAR

D22. What at-e the real estate taxes per year apartment/property)?

on this (home and land/

17 D23. Is there a mortgage or land contract on this (home and land/apartment/

property)? (IF R ASKS, DO NOT INCLUDE HOKE EQUITY LOANS OR LINES OF CREDIT)

q II.1 2. YES, LAND CONTRACT rl 5. NO

NEXT PAGE, D27, COL. A TURN TO P.21, COL. B, D40a

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

24. Is the first or main mortgage . federally guaranteed mortgage, such as FHA or VA?

724 1. YES 7

1

'"1

D24a. Does this mortgage carry any type of private mortgage insurance or PUI against default? (IF R ASKS: DO NOT INCLUDE MORTGAGE LIFE INSUFANCE.)

72+Gl a

NEXT PACE. D27, COL. A

25. Is it an FW mortgage. a VA mortg.sge, or is it from some other program7

7. OTHER: I

26. Why did you choose this type of loan?

-7., 1

I NEXT PAGE, D27, COLDHN A I

D33. Will the regular payments repay the loan completely, or will there be a balance payable, or "balloon" payment. when the loan is due?

D33a. What will the balance due or balloon payment be7

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

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

D35. What is the current annual rate of interest being charged on the loan?

$ 3’1 I 5 412 GO TO D35 GO TO D35 I

19 5 8 o-e*, 5 “i ucc,cn 5c,m., 12 COLuHhJ A COUKN B COLUMN c

.__.___ _ _ _ _ _ _ ____----- -.-.-. - 1ST MORTGAGE OR 2ND HORTGAGE OR HOME EQUITY LOAN LAND CONTRACT IAND CONTRACT

GO TO D35

$ 83 I $ ?I3 I $ IQ17 I

I /OC/o

._-___ _ ____ _ ____ .___._____ ____ NEXT PAGE, NEXT PAGE, NEXT PAGE, D36, COL. A D36. COL. B D36, COL. C

..~ , .,.‘,,.~;,;

20 L- 10

COLUMN c

HOME EQUIP LOAN

D36. (Please look at Card A.) Is the loan with any of the institutions (you told me about at the beginning of the inte

d -

view/o" Card A), or > from someplace else? 1 (IF CARD A: Which institution? \ (IF SOMEPIACE ELSE: Uh't type of institution is t

D37. Was the money from this loan used for the purchase of this home or for some other purpose? (What other purpose?)

D38. What is the most important reason you chose this lender? Was it because they were recommended to you. had low interest rates. because of the JocatioD of their offices, because you had done other bus- with them. because it was pasier to aualLfy for the loan, or for some other reason?

D39. Is this an adjustable

03. #3 1 06. x6 1 03. x3 1 06. x6 03. #3 1 06. #6

11. GOi%. BANK 11. corm. BANR 11. cot&,Sr'K

12. ShL/SV??CS BNR 12. S6L S!4tiCS BNY 12..ShL/SAVNGS BNK

14. FIN./UM' CO. 14. FIN./LOAN CO.

17. INSURANCE CO.

14. FIN./LOAN CO.

17. INSURANCE CO, 17. INSURANCE CO.

18. MORTGAGE CO. 1 18. MORTGAGE CO 18. MORTGAGE CO.

19. CONTRACTOR DEVELOPER

19. CONTRACTOR I 19. CONTRACTOR

DEVELDPER DEVELOPER

20: PRIOR OWNER 1 20. PRIOR OWNER 20. PRIOR OWNER

97. OTHER:_

I

97. OTHER:_ 97. OTHER: _

11. PURCHASEb,g

)7. OTHER: /fJl? OTHER: qla

q14 I

97.oTHER:

TURN TO P. 22, D41

_ _ _ !S?O. - -

NEXT PAGE, D40a.

.coL: " _ w. _

rate (mortgage,loa"); that is, does it have a" interest rate that can rise or fall from time to time?

NEXT PAGE

NEXT PG. D39a.COL.A

D39a

D39b

D39c

D39d

D39e

D39f

D39g

D39m

D40,

Does the change in your interest rate depend on some other interest rate?

On what other rate does it depend?

How often can your interest rate change?

When the interest rate changes, will the size of your monthly payments change at the same time?

What is the most the rate can rise at any one time? (POINTS - PERCENTAGE POINTS)

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

!&at was the interest rate on this mortgage when you first got it?

Is this a convertible mortgage; that is do you have an option to convert it to a mortgage with a fixed interest rate?

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

1ST MORTGAGE OR I

2ND MORTGAGE OR IAND CONTP.ACT IAND CONTRACT

1. YES I

226% / POINTS I

9995. NO LIMIT I

1. YES, 2ND MTG -, GO BAC

w/-eCOlV7? COL. B

>

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

t

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

10 you have any (other) Loans that use this ,roperty as collateral? (Please do not include 'ny home equity lines >f credit.)

CO BACK TO -->P. 18, D27,

COLUMN c

--->NF.XT PAGE, Ml

I

22 SccCcn 10

D41. Do you (and your family living here) owe money on any (other) loans used far the purchase of this property. such as loans from relatives or the seller? (Please do not include any home equity lines of credit.)

1. YES 1031

7

0 5. NO --> NFXT PAGE, D52

D42. In what month and year was this loan taken out?

/0331,c34/ !4ONTH/YJiAR

D43. How much was borrowed, not including finance charges?

$ 103r

D44. Is this e regular installment loan where you pay a fixed dollar amount each month for a fixed number of months until the loan is repaid, or some other kind?

r. 1 REGULAR INSTALLnENT 103c

were agreed upon when the loan was received?

How much are the monthly payments?

14" $ iosy' PER "0 Ed

>D

I 47. What is the typical payment.

and how often is it made?

$loyoP~_U&-

9996. NO TYPICAL PAYIUXTS

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

i9. How much is still owed on this loan.7

w

L $ IOYC) *

1 D50. What is the current annual rate of interest being charged on this loan?

D51. (Please look at Card A.) Is the me about at the beginning of the (IF CARD A: Which institution?) (IF SOMEPIACE ELSE: What type of

loan with any of the institutions (you told interview/on Card A), or from someplace else?

institution is that?)

,616/1(.jlIII((/ 01. INST. a?1 02. INST #2 03. INST. )t3 04. INST. #4 05, INST. #5 06. INST. +6

Ill. ='"I 112. "&;;I""1 113. aERE;I 114. FIN&,.J 197. OTHER ]

.J'

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

D53.

D53a.

D53b.

D53c.

D53d.

D53e.

D53f.

D53g.

> TURN TO P. 25, D54

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

# LINES OF CREDIT

Is (this/ the largest/next) line of credit secured by the equity in your home?

What is the maximum amount you could borrow on this line of credit7

Are you currently borrowing any money against this line of credit?

What was the money used for? (What was its major use?)

Hov much is currently owed?

What is the typical payment and how often is it made7

What is the current annual rate of int- crest being charged on this loan?

LINE OF CREDIT #l

!I03

$ IlOc(

N!XT PAGE D53h,LOC#l

IlOC

i/O>

$ If@3

NO TYPICAL PAYMRNTS

LuL%

LINE OF CREDIT U2

NEXT PAGE D53h,LOC#;

-v 111-t

Jf IK

LINE OF CREDIT #3

NEXT PAGE D53h,LOC#:

!I&? I /_^

$ iI70

$ Ii31 PERm

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

I

24 . _ . _ . _ _ _ LINE OF CREDIT #l

D53h. (Please look at Card A.) Is this line of credit wi any of the instit

f

01. 4 1 04. * 4

02. x 2 05. * 5 -

tions (you told me 03. x 3 06. It 6 about at the begin ning of the inter-

1 11. COMH. BANK

view/on Card A), o from someplace else? 12. ShL/ SAV BANK (IF CARD A: Which 1 institution?) (IF SOI4EPIACE ELSE What type of inst'- rution is that?)

IIf1

i.

13. CREDIT UNION

14. FIN; LOAN CO

16. BROKERAGE

97. OTHER:_

\

D53k. INTERVIEWER CHECKPOINT 01. E ;A%:;

(SEE D53, P. 23) III3 D54

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

_ _ _ . - _ - _ _ LINE OF CREDIT a2

11. COKU. BANK

12. S&L/ SAV BANK

13. CREDIT UNION

14. FIN: LOAN CO

16. BROKERAGE

97. OTHER:_

fix3

u2. ALLOTHERS GO BACK TO D53a, LOC #

_ _ _ _ _ _ _ LINE OF CREDIT rt3

03. # 3 1 06. # 6

11. COMH. BANK

12. S&L/ SAV BANK

13. CREDIT UNION

14. FIN; LOAN CO

16. BROKERAGE

97. OTHER:

113q

I I 3F4 2. ALL OTHERS

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

$ 1136

25

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

1. YES

P

1201 --> NEXT PAGE, D66

r

D54a. :

D54b.

Roughly what was the total cost of all such major additions or remodeling? $ 1202

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

V D55. In what month and year was the most recent such loan take" out?

tiONTH/YEXR

D56. How much was borrowed. not including finance charges? $ [ZCC

D57. 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?

D58. How many monthly payments or years were agreed upon when the loan was received?

D59. How much are the monthly payments?

$ ISIU PER HO

-r

60.

62.

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

$ WI PER \ZJ7_

9996. NO TYPICAL PAY"ENT

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

How much is still owed on this loan?

D63. What is the current annual rate of interest being charged on this loan?

IZIC %

26 D64. (Please look at Card A.) Is the loan with any of the institutions (you told me

about at the beginning of the interview/on Card A). or from someplace else?

1217 (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?)

D65. Do you owe money on more than one loan for home additions or improvements?

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

5b. Altogether, how much are the monthly payments?

$ 19-2~ PER IlZl

1 D66. INTERVIEWER CHECKPOINT

SEE P. 10, Dl

Il. 1 R LIVES ON A RANCH OR FARM --> TURN TO P. 29, SECTION E

- I222 2. ALL OTHERS

7. Do yo: or anyone in your family here) rent out any portion of this (house or lot/apartment/mobile home/building) to others?

1. YES

i-'

IZz3~I -->TURN TO P. 29. SECTION E

D67a. How much rent do you collect each month?

$ \ r-w PER \zzs

1 TURN TO P. 29. SECTION E 1

D68. Do you (or anyone in your family living here) have any lines of credit, not counting credit cards or business lines of credit? Please include such lines of credit even if you are not currently drawing against them.

(IF R ASKS: A LINE OF CREDIT IS A FORHAL. AGREEIIENT VITB A LRNDER TRAT ALLOWS R TO BOIlROY UP TO A SPECIFIED LIMIT AND PAY IT OFF AS R DESIBBS.)

--> TUW TO P. 29, SECTION E

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

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

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

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

pYG-EqFIW;W*NCOj

I I I

ITIJIUJ TO P. 29. SECTION E 1

D6gd. How many such lines of credit are you currently borrowing against?

I508 X LINES OF CREDIT (MC)

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

I

D69. p-g lt LINES OF CREDIT (LOG)

LINE OF CREDIT X2 LINE OF CREDIT #: LINE OF CREDIT Xl

1310

13 II

$ I311

$ 1313 PERU

11. COHM. BANK

12. S&L/ SAV BANK

13. CREDIT UNION

14. FIN; LOAN CO

16. BROKERAGE

97. OTHER:_

0 flux:

1. NEKT PAGE, ECTION E

0 2. ALL OTHERS GO BACK TO D70, IJX X2

D70.

D71.

D72.

D73.

D74.

D75.

D76.

What was the (largest/next) line of credit used for? (what was its major use?)

How much is currently owed?

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

1’i:16

131-l

s 1328

$ 1311 PERl3-u

I 9996. NO TYPICAL PAYMENTS

What is the current annual rate of inr- crest being charged on this loan?

(Please look at Card A.) Is the line of credit wit any of the institu tions (you told me about at the beginning of the lnter-

': view/o" Card A), or from someplace else (IF CARD A: Which institution?) (IF SOMEPlACE ELSE: What type of insti- is that?)

!31b

i INTERVIEWER CHECKPOINT (SEE D69)

J3’w %

03. (t 3 ) 06. X 6

11. CON&l. BANK

03. x 3 1 06. x I

11. COMM. BANK

12. %L/ SAV BANK 12. S6L/ SAV BANI

13. CREDIT UNION

14. FIN: LOAN CO

13. CREDIT UNION

14. FIN: LOAN CO

16. BROKERAGE 16. BROKERAGE

97. OTHER:_

1332 97. oTHER:_

I3211

cl m 3 LOC 1. NEXT PAGE,

1333 SECTION E

P

2. ALLOTHERS

cl QKu2Loc'r 1. NEKT PAGE,

131s SECTION E

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

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

14 29

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

El.

E2.

Have you (or anyone in your family living here) ever U real estate for which you loaned money to the buyer? Please include accepting a note. land contract or mortgage from the buyer. (IF YES, SAY: Ve do ~ want to include any property owned by a business which you own or have a" interest in.)

FI (5.1~-> TURN TO P. 31, El4

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

,@. (l.,YES ( (5. NO (--> TIJFB TO P. 31, El4

E3.

E4.

E5.

E6.

E7.

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

11 NOTES/lAND CONTtiCTSMORTGAGES

(About the [largest/ next] loan . ..) Is it a land contract, a mortgage. or a “ore?

Hov much are you (end your family) owed on this note?

In what month and year was this (mortgage/land contract) taken out?

How much did (you/your family) lend the borrover?

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

scP+c* l,y LOAN/LAND LOAN/UND CONTRACT Xl CONTRACT #2

1. IAND CONTRACT

2. HORTGAGE

1W GO TO E5

1. IAND CONTRACT

2. KORTGAGE

]coc( GO TO EI

$ IW NEXT PAGE, El1

$ 1 505 NEXT PAGE, El1 NFXT PAGE, El1

__________-____-----_________I

NEXT PAGE, ES NEXT PAGE, EE NEXT PAGE, ES COL. 1 COL. 2 COL. 3

30

Ea.

E9.

ElO.

payments and how often are they due?

GO TO El1

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

Will the regular pay- 1. REPAY mews pay off the (mort- COMPLETELY I gage/land contract) corn. pletely or will there be a balance payable or "balloon" when the (mortgage/land contact) is due?

ElOa. What vi11 the balance payable or balloon payment be?

Ell. Do you (or your family living here) still B any money on loans for this property?

Ella. How much do you still owe?

E12. INTERVIEWER CHECKPOINT (SEE E2a, P. 29)

GO TO El2

2. ALL OTHERS GO BACK TO

_ .+_4$_ _ LOAN/ L.C. #2

GO TO El1

196. NO SET NIJM ]

1. !%ETELY 1 !(/g GO TO El1

5. BALLOON

-1

$ LS’lS’

PAGE, El4

rl2. ZLRS l-l GO BACK TO

P. 29, E3. COL +3

$ 16lO PER IllI I

96. NO SET NUN

GO TO El2

2. ALL OTHERS

E13. About hov much in total is owed to (you/your family) on the remaining notes. land contracts or mortgages7

c 1614

E13a. Do yp~? (or your family here) still owe any money on loans for these other properties7

> NEXT PAGE, El4

E13b. Altogether how much (do you/does your family) still owe? $ krt ,-:~....,

. . . .

E14.

\@

E15.

Do you (or anyone in your family living here) ovn any (other) real estate such as a lot, vacation home, apartment building. commercial property, including properties owned in partnership with ocher people? (IF YES SAY: We do m want to include any property owned by a business that you have an interest in, or any limited partnerships.)

1. YES

p

I 5. NO --> - TO P. 36, SECTION G

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

E16.

E17.

ElB.

Interest in?

ItI' PROPERTIES

I-lUZ

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

Is this property owned family it

by you (and your living here), is owned jointly with others, owned by a partnership. or what?

is

PROPERTY 0 1

1703

1. OWNEDBYR

2. OWNED JOINTL'I

13. PARTNERSHIP

I 4. REAL ESTATE INVEST TRUST

7. OTHER _

E17a. What percentage of the property do you (and your family living here) own? /70( PERCENT I?O.r PERCENT /M PERCENT

How much in total is this property worth; I meen what vould it brin, j 1706 $ 1906 if it were sold today?

La. IB lab2

PROPERTY # 2

GO TO El8

3. PARTNERSHIP

4. REAL ESTATE INVEST TRUST

7. OTHER _

5 ‘.*a* 14 t-302

PROPERTY # 3

11. OWNED BY R

GO TO Elg

42. OWNED JOINTL!

-3. PARTNERSHIP

-4. REAL ESTATE INVEST TRUST

-7. OTHER lcoy

(WE WANT THE TOTAL VALU: NOT JUST R'S SHARE. FOR Elg-E29, NOTE IF R ONLY moWSTHEIRS_.) I_______________________________

NEXT PAGE, El9 NF.XT PAGE, El9 NEXT PAGE, El9 COL. 1 COL. 2 COL. 3

I

32

E19.

5 -c 19 ____._.__..-_.__.__ PROPERTY ti 1 I PROPERTY # 2 PROPERTY fl 3

In what month and year was the property ac- quired? (When did R acquire it?)

What was the total purchase price?

(IF GIFT/INHERITANCE, ASK: VALUE WHEN RECEIVED'

WI [w MONTH/WAR

Em.

‘j&b GIFT;INHEi. 1

Are there any outstanding loans or mortgages on this property?

E21.

E22.

E23.

E24.

E25.

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

How much was borroved or refinanced?

%!%ii- MONTH/YEAR HONTH/YEAR

$ 141r

How much is still owed?

It PYMNTS /-an !a/7 OR+ PYMNTS I x YEARS Ia/6 How many years or payments were agreed upon when the loan was taken out?

NFXT PG. E25 NFXT PG. E29 NW(T PG. E25

s-L?_&--

NEXT PAGE, E29

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

NEXT PAGE, E7.9 NEXT PAGE, E29

E27. Do the payments include property taxes or insurance? (Which?)

NFXT PAGE, E28 NEXT PAGE, E28 NEXT PAGE, E28 COL. 1 COL. 2 COL. 3

. . . .

,... .,

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

EZBa.What will the balance due or balloon payment be?

E29. What is the typical payment and how often is it made?

E30. When do you expect this loan to be repaid?

E31. What is the current an-

E32.

nual interest rate being charged on the loan? 17tL %

Does this loan have an adjustable rate: that is 1727

does it have an interest II.1 (5.1 rate that can rise and fall from time to time?

E33. (Please look et Card A. 01. #l 04. 114 Is this loan with any the institutions (you 02. #2 05. +5 told me about at the beginning of the 03. #3 06. n6 interview/on Card A), or from someplace els ll. COKM. BANK (IF CARD A: Which institution?) 12. S.&L/ SAV BM (IF SOMEPlACE ELSE:

13. CREDIT UNION is that?)

18. MORTGAGE CO.

PROPERTY #l PROPERTY rt2 PROPERTY X3

GO TO E31

$ 1222 GO TO E31 I

I> ,- $1723 PER/?zf

II NO TYPICAL PAYMENTS

I 172s’ YEAR

I

19. CONTRACTOR; DFVELOPER

20. PRIOR OWNER

97. OTHER:_

_ _______. NEXT PAGE, E34

COL. 1

_

11. CONM. BANK

12. S&L/ SAV BANK

13. CREDIT UNION

18. MORTGAGE CO.

19. CONTRACTOR; DEVELOPER

20. PRIOR OWNER

97. OTHER:_

Ia8 _______._ NEXT PAGE, E34

COL. 2

GO TO E31

1926 %

19 27 -- 11. YES1 15. NO/ uu

11. COMM. BANK

12. S&L/ SAV BANI

13. CREDIT UNION

lg. MORTGAGE CO.

19. CONTRACTOR; DEVELOPER

20. PRIOR OWNER

97. OTHER:_

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

COL. 3

34

E34. Did (you/your family living here) receive any income from this property in 19887

E34a. How much - income did (you/ your family) PZCeiVe?

E35. INTERVIEWER CHECKPOINT

GO TO E35 1727

$ 173 0 IN '88

q 1. Q&u 1 PROPERl-f,

(SEE E15, P. 31)

2. AU OTHERS GO BACK TO

$ 1230 IN '88 $ (93O IN ‘88 I

1. -2 cl 1. m3 PROPERTIES PROPERTIES TURN TO TURN TO

"'I .%C;;bN G 'p3' :,C;:,N G

q 2. ALL OTHERS 4

2. ALL OTHERS GO BACK TO PROP. a3 P. 31. El6

d

--> NEXT PAGE, E37

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

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

1

$ 200-L

E36b. What was your (family's) total

$ -2003

purchase price for these properties7

=w GIFT/INHRRITANCE


E36c. Are there any mortgages or loans outstanding against these vacatior homes or recreational land?

1. YES

Ir' I 5. NO --> NEXT PAGE, E36f

2@35- E36d. Altogether. about how much is owed on your (family's) share of

these mortgages or loans?

E37

35 ._____ _ _ _ ._ _ __...~ --..__...--__....... E36e. How much are the payments on these loans or mortgages and hov after

are they due?

$ 2.~~ PER xg [I

E36f. Did you (or your family living here) receive any income in 1988 from renting out these vacation homes or recreational land?

m F""--W&j E36h

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

$ -z.oro

E36h. Are there any remaining properties you own that you have not told me details about?

2o\l 1. YES II

5. NO --> NFXT PAGE, SECTION G

1 ,

For the remaining properties that you own, about how much in total is your (family's) share worth? I mean, what could you sell them for?

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

E37b. Are there mortgages or loans outstanding against these properties?

mis I1.;IESj [5.1--> GO TO E37e

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

$ 2016

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

$2017 PERH NO REGULAR PAYMENT

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

-n

$ zor3 Zol~ GIFT/INHERITANCE


2017 ,,.YES 1 15. NO I--' NEXT PAGE, SECTION G

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

$ zo?._o

36

SECTION G: VEtlICL?S

Gl.

G2.

G3.

G4.

G5.

G6.

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

I 1. YES 4

Altogether, how many

--> NEXT PAGE, G7

cars or other vehicles do you (and your family living here)

LEASED VEHICLES

r VEHICLE Xl I VEHICLE a2 I I

What make and model is the 7-103 2rro (nevest/next) vehicle? // (Z-WORD ANSWER: MAKE AND MAKE/MODEL MAKE/MODEL MODEL)

What model year is it? ztoq YEAR 2\1( YEAR

How much are your monthly $ 21as PER 210.4. s 7312 PERU13 lease payments?

G5a. How many years or months was the ?_._. YRS OR- HOS 2rr(( YRS OR tx HOS original lease?

INTERVIEWER CHECKPOINT q ;,? ;A;:? O" E :A:;"'%Rs

(SEE G2) 2116

q *. ;&Koz;,-; :; 7 2. ALL OTHERS

d G6.X. Altogether, about how much per month are the lease payments on your other

leased vehicle(s)?

$ I-117 PER2118

c7. Do you (or anyone in your family here) m any cars. or any kind of truck, van. or jeep-type vehicle? Do s include vehicles owned by a business.

CLO' 1. YES

7 I 5. NO -->TURN TO P. 40. G24

G7a. Altogether, how many such cars or other vehicles do YOU (and your family living here) m?

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

G9.

ANSWER: HAKE @ MODEL)

GLO. What model year is it?

Gil. Not counting any loans I've already recorded, is any money still owed on loans for this (HAKE/MODEL)? OR TURN TO

G12. QUESTION OMITTED

G13. In what month and year was the loan ztcq IZZOP taken out? MONTH/YEAR

VEHICLE Xl

/ *E/MODEL

.za 6

GO BACK TO GB FOR VEH. W2

Lee, 23 VF.HICLE #2

7. OTHER: 2503 I

z3q /

HAKE/MODEL

230s YEAR

230f-

1. YES

4

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

2qw YEAR

2406

1. YES Ii

5. NO

TURN TO P.39, G23

COL. 3

i I 2Yc-l 2qo-a (

MONTH/YF.AR a---_--__--_______-_ __---_---___-

NEXT PAGE, Gl4 NEXT PAGE, G14 NEXT PAGE, Cl4 COL. 1 COL. 2 COL. 3

aaa 38

Gl4.

G15.

G16.

Gl7.

G18.

G19.

GZO.

G21.

How much was borrowed or financed?

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?


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

5 CriCI 2-2 __---_____ VEHICLE #1

GO TO Gl

GO TO G18

4 $ 2213 PKRHONTH GO TO 621

9996. NO REGUIAR

$221'4 PER ZZIS-


How much is still owed on this loan? 8 zzia What is the current annual rate of inter- % 2214 est being charged on - - - - - - - - - _ - this loan? NEXT PAGE, G22

COL. 1

5 crc*b 23 _ _ _ _ _ _ - - _

VRHICLE x2

GO TO GI

4 $ 2313 PER HONTl GO TO 621

9996. NO REGULAR

9996. NO TYPICAL PAYMRNT

2*p $ -&a

2314 % - - - _ _ - - _ _

NEXT PAGE, G22 COL. 2

5 c_P.(-(L zi - _ _ . _ - . - VEHICLE #3

GO TO Gil

HI X PAYMRNTS OR lxifz #YEARS

I%------

GO TO G18

4 s2’fl3 PRRHONT~ GO TO C21

9996. NO REGULAR PAYMENTS -4

9996. NO TYPICAL PAYRENT

2wj % - - - - _ _ _ _ . NEXT PAGE, G22

COL. 3

VEHICLE a1 VEHICLE #3

11. CONH. BANK

G22. (Please look at Card A.) Is the lo vith any of the institutions (you told me about at t e the beginning of the interview/on

'r

Card A), or from someplace else? (IF CARD A: Which institution?) (IF SOHEPIACE ELSE: What type of institution is that?) I

11. COHM. BANK 11. COtU4. BANK

12. S&L/ SAV BANK 12. S&L/ SAV BANK 12. S&L/ SAV BANK

13. CREDIT UNION 13. CREDIT UNION 13. CREDIT UNION

14. FIN; LOAN CO 14. FIN; LOAN CO 14. FIN; LOAN CO

15. DEALER 15. DEALER 15. DEALER

20. PRIOR OWNER 20. PRIOR OWNER 20. PRIOR OWNER

21. AUTO FINAN6E/ MAC/ FORD CDT

21. AUTO FINANCE/ GHAC/ FORD CDI

21. AUTO FINANCE/ GMAC/ FORD CD1

97. OTHER:_ 97. OTHER:ZY% 97. OTHER:=*

G23. INTERVIEWER CHECKPOINT (SEE G7a, P. 37)

0 232f

1. ONLY 2 VEH. NFXT PAGE, G24

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

T-7 2221 1. ONLY 3 VEH.

NEKT PAGE, G24

2. ALL OTHERS

ul. m 1 VEH. NEXT PAGE, G24

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

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

G23b. Not counting loans I have already recorded, is any money still owed on loans for (this/these) vehicle(s)?

F@++NOt> NEXT PAGE, G24

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

(ACCEPT RANGE.) $ wzy

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

G24. D o you (or anyone in your family living here) have any (other) vehicles that are owned by a business but which you also use regularly for personal purposes7

cl 5. NO --> GO TO G25

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

2P;L X BUSINESS VEHICLES

c25. Do you (or anyone in your family here) m any m vehicles such as a motorhome. RV, boat, or airplane?

I 1. YES zco3 --> TLWN TO P. 44, SECTION H

NEXT PAGE, G2Sa

41

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

G26.

c27.

G28.

G29.

G30.

G31.

G32.

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

About hov much is this (TYPE OF VEHICLE) worth?

Not counting any loans that I have already recorded, is any money still owed on loans for this (TYPE OF VEHICLE)?

In what month and year was this loan taken out?

How much was borroved or financed, u counting the finance charges?

Is this e regular instal- ment loan where you pay a fixed dollar amcunt each month for a fixed number of months until the loan is repaid, or some other kind?


97. OTHER: 2-s

7-P’ GO BACK TO G21 FOR VEH #2 OR

I TURN TO P. 44, SECTION H

$ -25(0

NEKT PAGE, G34

2<12 X PAYMENTS OR

NEXT PAGE, G34

97. OTHER: t&y

NFXT PG, G39 COL. 2

z&77

_;60% 12601 MONTH/YEAR

$ 2c1*

NEKT PAGE, G34

I 2612 o PAYMENTS OR

;i3 #YEARS

NEXT PAGE, G34

NEXT PAGE, G33 COL. 1 NEKT PAGE, G33 COL. 2 i

42

G33. How much are the monthly payments?

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

G35. In what month and year do you expect this loan to be repaid?

G36. How much is still owed on this loan?

G37. What is the current annua rate of interest being charged on the loan?

G38. (Please look at Card A,) Is this loan with any of the institutions (you to1 me about at the beginnin, of the interview/on Card A), or from someplac .Zl.W.? (IF CARD A: Which institution?) (IF SOHEPlACE ELSE: What tyQe of institution is that?) ZCZl

G39. INTERVIEWER CHECKPOINT (SEE G25a, P. 41)

t

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

$ 2sIll PER HONTH GO TO 637

5_e&.Y_&ER~ONTH

-1 [Fi

$ %-fY PER-u/6 $ 2.6/S PER .zJc

9996. NO TYPICAL PI4T 9996. NO TYPICAL PHT

1

1. d

e -

2s-m % 2620 %

01. li 1 04. x 4 01. ff 1 04. x 4

02. # 2 05. It 5 02. It 2 05. x 5

03. x 3 06. Y 6 03. * 3 06. X 6

11. COhXERCIAL BANK 11. COHMERCIAL BANK

12. S & L/ SAVING BK 12. S h L/ SAVING BK

13. CREDIT UNION 13. CREDIT UNION

14. FINANCE; LOAN CO 14. FINANCE; LOAN CO

97. OTHER: 97. OTHER: '262(

a 1. ~IVEHICLE TURN TO P. 44,

17 1. m 2 VEHICLES TURN TO P. 44,

SECTION H SECTION H

cl a-22-

2. ALL OTHERS --> GO 'cl -26ZZ

2. ALLOTHERS BACKTOP. 41, NEXT PAGE. G39a G26. VEHICLE x2

I 1

43

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

$ -2623 [KNOW]

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

--->NEXT PAGE, SECTION H

G39c. Altogether, about hov much is still owed on (this/these) loan(s)?

I G39d How much are the total monthly payments on (this/these) loan(s)?

44 7-l 5 ccc’+ .

SECTION 8: LOANS

Hl. Not counting credit cards or loans you have already told me about, do you (and your family living here) owe any money on loans for:

HZ. FOR EACH "YES", ASK: How many such loans do you have?

8. ..household appliances, furniture, or hobby or recreational equipment? --> a. 2102-

b. ..loans for educational expenses or medical bills?

c. ..loans from friends or relatives?

d. ..any other loans? (IF R ASKS: INCLUDE CHECKING ACCOUNT OVERDRAFTS. DO m INCLUDE LIFE INS. POLICY LOANS.)-~

H3. IWER CHECKPOINT: ADD TOTAL NUNBER OF LOANS FRON H2a _ H2d__________________>

H4.

H5,

H6.

H7.

HE.

What was (this/the largest/the next) loan for?

In what month and year was this loan taken out?

How much WBS borrowed or financed. m counting the finance charges?

Is this a regular installment loan where you pay 8 fixed dollar amount each month for (L 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 WBS received?

TURN TO P.'46, H16 GO TO HG <tic<.% 2-l 5 ‘PCIL 28

LOAN 12 LOAN lt 3

2.710 27 21

27 II 27ZZ

27LS , 273d MONTH/YEAR

I $ T-731

NEXT PAGE. Hi0 1 1 NRXT PAGE, ~11

N&T PAGE. HlO 1 N&T PAGE, HlO

3

2

I:,

2gw

2g II

m 2313 MONTH/YEAR

X PAYMENTS OR

1

NEXT PAGE, H9

NEXT PAGE, H10 _______ _____

H9.

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

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

MONTH/WA I I

I I I I H12. How much is still

owed on this loan? S 2723 $ -?--MO $ 2323 H13. What is the current 1 I I I

annual rate of interest being charged on this loan?

-~72’d y”

H14. (Please look at Card A.) Is this lo n with any of the institutions (you told me about at th beginning of the

i

interview/on Card A \

or from someplace else?

1,

(IF CAR5 A: Which institution?) i

(IF SOMEPIACE ELSE: What type of insti-

01. Xl 04. #4 01. #l 04. #4

02. x2 05. a5 02. a2 05. #5

I 03. w3 06. ~6 03. #3 06. a6

11. COMM BANK 11. COMM BANK

Hl5.

LJJANrtl J_nANrt 2 LOANS3

Hov much are the $ -n'a PERMONTH $ 273L- PER MONTH $ -Lx6 PF.R MONTH monthly payments? GO TO H13 GO TO H13 GO TO H13

11. COMM BANK

12. ShL/SAVNGS BANK

13. CREDIT UNION

14. FIN/LOAN CO

15. STORE/DEALER

97. OTHER:

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

97. 0THF.R: 2w-l. 97. OTHER: zaz<

INTERVIBWER CHECKPOINT (SEE H3, P. 44)

cl 1lZC

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

H16 H16

Cl 27’43

10 2iIL6

2. ALL OTHERS-XC 2. ALL OTHERS-X0 BACK TO P. 44, TO W(TRA LOAN H4, COL. 3 NEXT PAGE, H4

45a

H4

H5

H6

H7

HB

I EXTRA LOAN PAGE

In vhat month and year was this loan taken out? I

Hov much was borrowed or financed, npf counting the finance $ 2831 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?


NWT PAGE, Hl( NEXT PAGE, HlC I NEKT PAGE, HlO

NEKT PAGE, HlO NUT PAGE, HlO NEXT PAGE, HlO

L 29 LOAN * 6

45b I EXTRA LOAN PAGE I

5.m 28 SW 25 LOAN * 5

5,. 29 LOAN * 6

$ t43s PER MONTH GO TO H13

NOREGUIARPWNTS


NO REGuIAFt PYMNTS

HlO.

Hll.

H12.

H13.

H14.

H15.

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

s

;- 1-

I

[

9996. NO TYPICAL PAWFaN'I

9996. NO TYPICAL PAYMENT


How much is still owed on this loan?

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

(Please look at Card A.) Is this lo I vith any of the institutions (you told me about at t / e beginning of the ! interviev/on Card or from someplace else?

\ ),

(IF CARD A: Which institution?) \ (IF SOMEPLACE ELSEj what type of insti tution?)

MONTH/YEAR MONTH/YEAR

c 22YO $ 2’i‘ib

27q, %

01. #l 1 04. a4 01. It1 04. #4

4= 02. a2 05. x5

03. x3 06. X6

01. a1 04. x4

11. cow BANK 11. COHH BANK 11. COMn BANK

12. %L/SAVNGS BAN1 12. SbL/SAVNGS BANK 12. S&L/SA"NGS BANK


14. FIN/U)AN CO

13. CREDIT UNION

14. FIN/LOAN CO 14. FIN/LOAN CO

15. STORE/DEALER 15. STORE/DEALER

97. OTHER:22 LS'

15. STORE/DEALER

97. oTHEx:ZFYZ 97. OTHER:

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

NEXT PAGE, H16

46

H16. INTERVlEWER CHECKPOINT

1. R HAS ANY NPE OF LOAN OR DEBT -- MORTGAGE. HOUSING LOAN, PROPERTY, VEHICLE OR OTHER LOANS

cl 2. ALL OTHERS --->NEXT PAGE, SECTION J H17. Thinking about the loan or mortgage that you took cat mast recently, what was the

main reason you chose the lender that you did? Was it because of the location of their offices. because they had the Pest interest rw, because you were able to obtain paw services at one place, because they were ~commended by someone else, or some other reason?

-3@2 03. LOCATION OF OFFICES 06. K4NY SERVICES IN ONE PIACE

[011 197. OTHER:

I I

HIE. (READ SL0VL.Y:) Again thinking about the same loan, roughly how far was the office where the application was made from the home or vorkplace of the person who made the application? (IF R ASKS: WE WANT THE CLOSER OF THE DISTANCE FROl4 HOME OR OFFICE.) (ACCEPT RANGE.)

3003 MILES 19,. L!ZSS THAN A MILE 1 151. 198.

H19. Now thinking of all the various loan payments you made during the Last veay, were all the payments made the way they were scheduled. or were payments on any of the loans sometimes made later or missed?

Nw(T PAGE, SECTION J

Hl9a. Were you ever behind

pTzzzyq

in your payments by two months or more?

‘-

47

SECTION J: SAVINGS ATTImES

Jl. Now I'd like to ask a few questions about your (family's) savings. People have different reasons for saving. What are your (family's) most important reasons for saving? (Do NOT PROBE "AO".)

32. In deciding how much of their (family) income to spend or save. people are likely to think about different financial planning periods. I" planning your (family's) saving and spending. what time period is most important to you (and your [husband/wife])? Would you say the next few months, the next year, the next few years, the next S-10 years, or longer than 10 years?

52. 53. t4OST LEAST

WORTANT JMPORTANT

1. NEKT FEW MONTHS

2. NFXTYFAR

3. NEKT FEW YEARS

4. NFXT 5 - 10 YF.ARS

5. LONGER THAN 10 YEARS

53. Which is the m important to you? (RECORD ANSWER IN GRID ABOVE.)

54. Are there any foreseeable major financial obligations that you (and your family) expect will have to be met in the future. such as educational expenses. health care costs, and so forth? (IF R ASKS, THE FUTURE MEANS THE NEXT FIVE TO TEN YEARS.)

------>NEXT PAGE, 35

J4a. What kinds of obligations are these7 (CHECK ALL THAT APPLY.)

97. OTHER:

48 55. Which of the following statements comes closest to the amount of financial

risk that you (and your [husband/wife]) are willing to cake when you save or make investments? (IUER: READ OPTIONS.)

0 1.

3C)lL( q 2. I.-l3 0 4

TAKE SUBSTANTIAL FINANCIAL RISKS EXPECTING TO EARN SUBSTANTIAL RETURNS.

TAKE ABOVE AVERAGE FINANCIAL RISKS EXPECTING TO EARN ABOVE AVERAGE RETURNS.

TAKE AVERAGF FINANCIAL RISKS EXPECTING TO EARN AVERAGE RETUP.NS.

m WILLING TO TAKE ANY FINANCIAL RISKS.

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

NEXT PAGE, 57

J6a. Please tell me which of the following statements describes your (and your [husband's/wife's]) saving habits? Do you...

1. SAVE WHATEVER IS LEFT OVER AT THE END OF THE MONTHS -- NO REGULAR PIAN

2. SAVE INCOME OF ONE FAMILY NEEIBER, SPEND THE OTHER

3. SPEND REGUIAR INCOME, SAVE OTHER INCOME

4. SAVE REGULARLY BY PUTTING MONEY ASIDE EACH MONTH

49

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

-302q-g q q q q q p-J q q u q ALMOST VERY NO RISK GREAT RISK

J8. And what number vould you give to the risk that the U.S. economy vi11 experience double digit inflation sometime during the next ten years or so?

30~7~~~~~~~~~~1'o)

ALMOST VERY NO RISK GREAT RISK

J9. On a different scale, vhere 0 equals totally inadequate, 5 equals enough to maintain your living standards and, 10 equals very satisfactory. how would you rate the retirement income you expect to receive from Social Security and job p?“SiO”S?

TOTALLY WOUGH TO VERY INADEQUATE MAINTAIN LIVING SATISFACTORY

STANDARDS

J10. When making & decisions about borroving and saving, some people shop around for the very best terms while others don't. On a scale of 0 to 10, where 0 equals almost no shopping and 10 equals a great deal of shopping, where vould your family be?

,o,,~o,~I,,~~~~~~~

AMOST A GREAT DEAL NO SHOPPING OF SHOPPING

SECTION W: BUSINBSSES

'310'

HZ.

M3.

3ia3

INTERVIEWER CHECKPOINT

SEE D3, PAGE 10

1. R OR R'S FAMILY OPERATE FARM/RANCH BUSINESS ON THEIR PROPERTY (R ANSWERED "YES" TO D3)

2. ALL OTHERS -->GO TO M3

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

‘3101 # BUSINESSES

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

M2e. READ THE FOLLOWING: I will ask you first about your (farm/ranch) business.

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

Do you (and your family living here) own or share ownership in any privately- held businesses, farms, professional practices or partnerships? (SEE INSTRUCTION IN BOX ABOVE.)

-->lWRN TO P. 59, SECTION N

Hi. Do you (or anyone in your family living here) have a" active management role in any of these businesses? (INCLUDE THE CWSRAL PARTNERS IN A LIMITED PARTNERSHIP, BUT m THE LINITED PARmERS.)

3104 l.YES

7

I 5. NO --Z-TURN TO P. 55, M20a

M4a. In how many businesses do you (or anyone in your family living here) have a" active management role?

3:lo.f # BUSINESSES

ENTER X OF BUSINESSES AT !I5 ON TOP OF NEXT PAGE

. I

51

MS. -1 * Ot BCSiSEfSiS

!45a. iha: kind of bus.~css Is ci:/ -he largcrc busi. ncss/:he next business) -- that is. what does the buslncs! make or do?

!46. Hov did you (or your family living hare) rcquira this business; was it bought or invested tn. started by you. inherited, given to you. or what?

no7 x3307

3. INHERITED 3. I!.H;HERITED

I‘. GIVEN 7. 0THeR:

I CO TO ffB CO TO 38 CO TO Ha

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

(1. pq x3109

x3310 YEAR

x3110 YEAR

y73. IO YEAR

___....._____._.-___-~~_-..---. NECf PACE. N9a. N!ZXT PACE. tt9a NEXT PACE. U9a c0LlJm 1 COLum 2 couna 3

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

M9b.Which members o. your family living here worl In the business' (CHECK ALL THAT APPLY.)

nsc.

H9d.

(Other than you [and your husband/wife]), how many hours does the (other/most involved) family member work in this business in a normal week?

Is it a partnership, a sole 1 proprietorshi a subchap+/

, ,

COpXZItiO”. h

another type of / corporatio", 0 what?

t

E I k ?

BUSINESS # 1

3117, GO TO H9d -

BUSINESS tl 2

GO TO M9d

2. ALL OTHERS

iF ONLY R OR SP I iF m R OR SP

CHECKED, GO TO M9d CHECKED, GO TO H9d

D. OTHER ADULT

C. ADULT C

D. OTHER ADULT

HRS -51ra 3218 HRS

1. PARTNERSHIP

2. SOLE PROPRIET.

1. PARTNERSHIP

2. SOLE PROPRIET.

-3. SUBCHAP. S i 3. SUBCHAP. S

4. OTHER CORP.

7. OTHER

4. OTHER CORP.

BUSINESS tt 3 I

+ R 3313 1

C. ADULT CH

3312 HRS

2. SOLE PROPRIET.

NEKT PAGE, HlO NEKT PAGE, MlO, COLUMN 3

READ ONCE, FIRST TIME THROUGH GRID: These next few questions are about

personal finances and the finances

NEXT PAGE, HlO. COLUMN 1

‘j

l410. Are you (or your family living here) using personas assets as collateral or did you have to cosign or guaran- tee any loans fo1 this business?

HlOa. How much is guaranteed or collater- alfzed?

MlOb. Did I record this earlier?

Mll. (Other than guar. antees,) does thr business owe you (or your family living here) any money7

Hlla. How much is oved?

H12. Do you (or your family living here) owe the $usiness any money?

HlZa. How much do you owe?

HlZb. Did I record this earlier?

Srr 3 1 . - - - - _ _ _ _ BUSINESS fc 1

GO TO Ml1

$ 31-21

GO TO Ml2

$ 3tzq

NEXT PAGE, tl13

se31 <cc 33 53 ---------...__...... BUSINESS # 2

pi--J GO TO Ml

GO TO Ml2

NEXT PAGE, Ml3

BUSINESS X 3

[I GO TO Ml1

$ 3321

I GO TO Ml2

NEXT PAGE, Ml3

I ______________ _ NEXT PAGE, Ml3 NEXT PAGE, I413 NEXT PAGE, Ml3

COL 1 COL 2 COL 3

54

H13.

H14.

M15.

M16.

M17.

U18.

a19.

Lr32 _ _ _ _ _ _ _ _ _ BUSINESS X 2 BUSINESS tl 3

1100.1 what percentage of the business do you (and your family living here) own?

)lOO. NL ]

317-a PERaNT 322% PERCENT

What could you sell it for? (what is your share worth?)

3221

j-i&G]

332-j

1 NOTHING ) 1 NOTHING )

[ DON'T KNOW 1

$ 3130

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

c 33-t-O

pi&E-] 1 NOTHING 1 1 NOTHING ]

What were the

m of the business as a vhole in 19BB?

What was the business's total net income before taxes in 19881

What is the m book value of all Ovners' or share- holders' equity in this business?

1NTFxv1EuER CHECKPOINT (SEE MS, P. 51)

$ 3131 $ 33331 $ -5z3r

$ 3132 $ 323~ $ 3332

$ 3333 5 3t33 $ 3233

1. ONLY 1 BUS. NEXT PAGE,

939 wo

1 1. ONLY 2 BUS NEXT PAGE,

szq H20

7 2. ALLOTHERS GO BACK TO P. 51. l45a BUS. X3

cl 1. ONLY 3 BU! NEXT PAGE

333y x-20

q 2. ALL OTHER! NEXT PAGE, n19a

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

I

H19s.

H19b.

n19c.

55

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

$ 333s

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

$ 3 33c pii&q piFiG]

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

$ 3337

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

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

M20a. H ow many of these (other) businesses or partnerships do you (and your family living here) own or share ovnership in?

XI&z I01.,0~gJ OR (OTHER: NuELBER /--->NEXT PAGE, ~421

4 I I

H20b. Is it a sole-proprietorship, a limited partnership, another type of partnership. a Subchapter S-corporation. another type of corporation. or what?

3,+,3 12.1 II.1 15. LIMITED PIIRTNWHIP]

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

H20d.

$ 3w 1 NOTHING J

If you sold this (business/partnership) basis for tsx purposes7 (What wss your

$ 3Yof

now, what would be the cc.st original l"vestme"t7)

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

mSUBCHAeTU( (4.1 7. OTHER:

$ 3YOC ----->TURN TO P. 59, SECTION N

i i

I/ i/

56 H21. (I need to knov what type of businesses these are.) Are any of them (TYPE)?

(IUER: FOR EACH YES, ASK FOLLOW-UP QUESTIONS I422 _ ?424)

TYPE ~ ~~~

n24. What could you If you sold these What was the

total net ln- cost come you (and

of all these basis for tax your family (TYPE) for? purposes of these living here) (What is it shares? (Ubat was received from

all such (TYPE) in 19887

1. Limited Partnerships?

---> $ 7qoa $ KYO? $ 3410

1. Other Partnerships?

-4 I I :. Subchapter S

Corporations?

-1 I I I 3. Other Corporations?

f. A;ly other type7 I I I

NlXT PAGE, SECTION N NEXT PAGE, SECTION N

PAGES 57 AND 58 DO NOT APPEAR IN THIS QUESTIONNAIRE

I

59 SECTION N: FINANCiAL ASSETS

I;:~ Sow I’d like to ask about dlffcmnc types of assacs cha: vou might have. vo’u (or anyone in your family 1ivig.g here) have my checking l ccmxcs?

F:rs:. ‘2

.SEx’ PACE . .

$2. Have you

N2a. (RB. P. 10) Looking at this list. please call m which is the w bpor-.rr.:

x3503 raaron (you don’t/your family doesn’t) have a checking account.

01. DON’T WRITE ENOUGH CHECKS TO HAKE IT b’ORTH’.WILE

02. NININLM BAUNCE IS TOO HIGH I

03. DO NOT LIKE DEALING ‘41X-l BANKS I

TURN TO

Ok. SERVICE CHAAGES ARE TOO HIGH

OS. NO BANK HAS CONVENIDT HOURS OR LOCATION

97. OTHER:

P. 62, N10

60

N3.

N4.

NS.

N6.

N7.

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

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

ACCOUNT Sl

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

How much is in this account? (What was the $ 35-d average over the last month?)

Is this a money market- type account?

INTBRVI!ZWRR CHECKPOINT I- ‘Jvx (SEE N3) u ‘.Qt$,‘, Am

P. 62, N9

cl 2. ALLOTHRRS

GOBACKTO N4, ACCT +2

ACCOUNT #2

11. COMM. BANK

12. S&L/ SAV BANK

13. CREDIT UNION

16. BROKERAGE

97. oTHRR:_

TSOC

7 1. m 2 ACC TURN TO

ssi> P. 62, N9

7 2. ALL OTHERS GO BACK TO N4. ACCT X3

ACCOUNT #3

11. CORM. BANK

12. S&L/ SAV BANl

13. CREDIT UNION

16. BROKERAGE

97. OTHER:

WI3

$ 3-w

3f16 1. w 3 ACC TURN TO P. 62, N9

2. ALLOTRRRS GO BACK TO N4, ACCT ti

61

ACCOUNT y4 I ACCOUNT X5 I ACCOUNT rt6 1

11. COMM. BANK

12. S&L/ SAV BANK

13. CREDIT UNION

16. BROKERAGE

97. OTHER:_

12. S&L/ SAV BANN

13. CREDIT'LJNION

16. BROKERAGE

97. OTHER:_

11. COMM. BANK

16. BROKERAGE

0 1. YES

3!-27

El 1.m4ACCT

cl

35-v 1. m 5 ACCT

0 1. m 6 ACC

NEXT PAGE, NEXT PAGE, NEXT PAGE, N9 3rzc' N93r2J

N9

0 2. ALLOTHERS 2. ALL OTHERS 2. ALL OTHERS GO BACK TO GO BACK TO P. 60, N4s P. 60. N4 ACCT. X5 ACCT. #6

P

T

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

5 3szq

d

62 N9. What is the wst imoortant reason (you/your family living here) chose the

institution that you did for your & checking account? Was it because of the Jocation of their -, because they had the lovest geauirement, because you were able to obtain w senrices a: one ,::e" bec::se they offered w and an absence of risk, or some other reason?

[03. LOCATION OF OFFICES Ijol.lva los.

97. OTHER:

N9a. For how many years (have you/has someone in your family living here) done business with this institution?

3nI YEARS 96. LESS THAN ONE YEAR

5 ‘V-ZICI 3 6 nlo. Do you (or anyone in your family here) have any Individual Retirement Accounts,

is, IRA or KeoSh accounts? that

NRKT PAGE, NlOa TlJP.N TO P. 64, Nl6

I

63

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

PERSON--------> ISPOUSE ACCOFI

Nil

N12.

Nl3.

N14.

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

About (PERSON'S) accounts (are these/is this an) IRA or Keogh account(s)? (CRECK Au TRAT APPLY.)

(Please look at Card A.) (Is this/Are they) with any of the institutions (you told me about at the beginning of the interview/on Card A), or from someplace else? (CHECK ALL THAT APPLY.) (IF CARD A: Which institution(s)?) (IF SOHEPIACE ELSE: what type(s) of institution(s)?

3603 Y ACCTS 3613 # ACCTS 3CZ3 X ACCTS

11. COlQ4. BANK

03. a3 1 06. #6

11. COHH. BANK

03. #3 1 06. a6

11. COW. BANK

12. S&L/ SAV BANK 12. S&L/ SAV BANl 12. S&L/ SAV BANK

13. CREDIT UNION 13. CREDIT UNION 13. CREDIT UNION

16. BROKERAGE 16. BROKERAGE 16. BROKERAGE

17. INSUR. CO 17. INSUR. CO 17. INSUR. CO

25. EMPLOYER 25. EnPLOYER 25. EMPLOYER

97. OTHER:_

X06-3cO5

97. OTHER:_

XIL-3617

97. OTHER:_

362636 25

$ 3610 $ 3620 $ 3630

0 3611

1. SPOUSE OR OTHER ACCT

GO BACK TO Nil

P2. ALL OTHERS

36LI 1. OTHER PER. SON ACCT.

GO BACK TO N11 1

How much in total is in (PERSON'S) account(s)?

N14a.INTERVIEUER CHECKPOINT (SEE NlOa)

ALLOTHERS p2.

t N15. How is the money in (this/all of your [family's]) IRA and Keogh account(s) invested?

Is lwst of it in CDs or other bank ecccunts. most of it in stocks, most of it in bonds or similar assets, or what?

-,bT\ 1. CD'S/BANK ACCOUNTS 3. BONDS/SIMIAR ASSETS i .; . 'ti" 7. OTHER:

N16. Not including any accounts I have already recorded, do you (or anyone in your family here) have any money marker accounts?

--> NEXT PAGE, N2'2

N16a. Altogether, hov many m.~ney market .XCOW~S do YOU (and your family living here) have?

# OF H0NlZ-l MARKET ACCOUNTS

N17. Does the (largest/next) account have check- writing privileges?

N18. Is this a tax-free money market account?

N19. (Please look at Card A.) Is this account with an, of the institutions (you told me about at the beginning of the interview/on Card A), 01 from someplace else? (IF CARD A: Which institution?) (IF SOHEPIACE ELSE: what type of instltutior is that?)

NZO. Hov much is in this account?

N21. IMERVIRWRR CHECKPOINT (SEE N16a)

ACCOUNT #I ACCOUNT Y2

11. COMM. BANK

12. S6L/ SAV BANI

13. CREDIT UNION

16. BROKERAGE

97. OTHER:_

37of

$ 3706

1. m 1 ACC: NEKT PACE, N22

0

3707 2. ALLOTHERS

GO BACK TO N17, ACCT :

11. corm. BANK

ACCOUNT X3

11. COHN. BANK I

12. S&L/ SAV BANK

13. CREDIT UNION

16. BROKERAGE 1 16. BROKERAGE (

$ -37(1 I

$ 3716 I

w2ACCT 1. NEXT PAGE 0 N22 271-L

3717

ALLOTHERS

4

2. Co BACK TO N17. ACCT 3

m 3 ACCT NEXT PAGE N22

ALL. OTHERS

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

,--. 65

N22. Do you (or anyone in your family here) have any CD's or certificates of deposit at financial institutions? (IF YES, SAY: Please do & include CD's that are part of IPxAs or Keoghs.) (IF R ASKS: CD'S ARE CERTIFICATES HELD FOR A SET PERIOD OF TIME THAT MUST BE CASHED OR RENEWED AT THE HATLIRITY DATE.)

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

372" X CERTIFICATES

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

$ 3721

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

97. OTHER:

N23. Do you (or anyone in your family living here) have any (other) accounts at banks, savings and loan associations, or credit unions? These could be passbook accounts, share accounts, Christmas Club accounts, or any other type of savings account.

1. YES

7

0 5. NO --> TLRN TO P. 68, N27

N23a. Altogether. how many such acccunts do you (and your family living here) have?

N24. (Please look at Card A.) Is the (next) largest acccunt with any of the institutions (you told me about at the beginning of the interview/or Card A), or from someplace else? (IF CARD A: Which institution?) (IF SO!BPLACE ELSE: What type of institution is that?)

N25. How much is in this account7

N26. Ih'TEFWIEWER CHECKPOINT (SEE N23a)

P. 68, N27

2. ALL OTHERS 2. ALL OTHERS 2. ALL OTHERS GO BACK TO GOBACKTO

N24. ACCT 4

I

67

ACCOUNT w4 ACCOUNT X5

01. Xl 04. a4 01. Xl 04. #4

02. #2 05. #5 02. x2 05. x5

03. #3 06. #6 03. x3 06. #6

11. COXM. BANK 11. cokli. BANK

12. S&L/ SAV BANK 12. S&L/ SAV BANI!


16. BROKERAGE 16. BROKERAGE

97. OTHER:_ 97. OTHER:_

3i.KL 38/C

$ T2fX $ 3w

7 1. m 4 ACCT NEKT PAGE,

0 1. m 5 ACCl NEXT PACE,

7

N27 33,y N27-3817 2. ALL OTHERS 2.ALL OTHERS

GO BACK TO N24, ACCT.5

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

I

68

N27. Do you (or anyone in your family here) have any mutual fund holdings? (IF YES, SAY: Please do m include any pension-type, thrift-saving, 401-K. or IRA/Keogh plans. or accounts I have already recorded.)

cl 5. NO --> NEXT PAGE, N31

N27s. In how many different mutual funds (do you/does your family) 0w-n shares?

N28. I need to know vhst type(s) of mutual fund(e) any of them)...

N29.

a.

b.

c.

d.

e.

I 38Zl Stock Funds

(Are any of them) Tax-Free BondFunds..........

(Are sny of them) Government or Government backed Bondx3G Funds............

(Are any of them) other Bond Funds 7gt,.

Combination funds or kl?y other mutual funds (INCLUDE "DK TYPE" HERE) .382,

(this is/these are)? (Is it/Are

What is the total market value of all of the (TYPE) thst you (and your family living here) have?

El 1. YES -->a. $ 3at

El I. YES -->b. $ 327-q

El 1. YES --x. s3aa

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

I 1. YES -->a. $-%3b

N30. Overall has there been a gain or loss in the value of all since you (or someone in your family here) obtained them?

3. NEITHER GAIN NOR LOSS

these mutual fund shares

4 N!JXT PAGE, N31 -4 NEXT PAGE, N31

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

3x32 PERCENT

OR $3333 AMOUNT

1998. WN'T KNOW1

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

%?3q PERCENT

N31.

N32.

N33.

Do you (or anyone in your family here) have any U.S. government savings bonds?

(THESE HAY BE CALLED SERIES EE OR HH. THEY CAN BE PURCHASED BY PAYROLL DEDUCTION.)

1. YES

7

I 5. NO --> GO TO N32

N31a. What is the total b value of all the savinBs bonds that you (and your family) have7

$ f'lc2.

Do you (or anyone here) have any other corporate, municipal, government. or other type of bonds or bills? (IF YES, SAY: Please do nef include any bonds or bills held in pension eccounts or trusts. or in accounts I have already recorded.)

1. YES

7

I 5. NO --> NEXT PAGE, N35

N32a. How many different bonds or bills do you (or your family) own?

33OV # BONDS OR BILLS

I need to know what type(s) of bond or bill (this is/these are)? (Is it/Are any of them)...

N34. What is the total face value of all of the (TYPE) that you (and your family living here) have7

3'10< a.

b.

c.

d.

Mortgage-backed bonds such as those from "Ginnie-Mae", "Fannie-&e" or "Freddie-Mac"

U.S. Government bonds or 3wl

Treasury bills. 5. NO 0 II.-->b. $ ?4c*

State or ~~~~ici~al bonds, 309 or other taxfree bonds

(INCLUDE "DK TYPE" HEW)

70

N35.

N36.

N37.

N38.

N39.

Do you (or anyone in your family living here) own any publicly traded stock? (IF YES, SAY: Please do & include any stock held through mutual funds, pension acco"ntS or trusts, or in accounts or businesses that I have already recorded.)

1. YES 3913

7

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

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

3tq X COMPANIES

What is the total market value of this stock?

$ 39rr

Overall has there been a gain or loss in the value of this stock since you (or someone in your family here) obtained it?

1. GAIN ‘7; I,1

GO TO N39

38.4. How much has it gained in value since it was obtained?

3917 PERCENT

OR

$ 3=ff8 AMOUNT

GO TO N39

38b. How much has it lost in value since it was obtained7

3414 PERCENT

OR

AMOUNT

Of your (family's) stock, is any of it stock in a company vhere you (or anyone your family living here) have worked7

--> NEXT PAGE. N40

N39a. What is the total market value of this stock In the company?

in

._;

N40. Do you (or anyone in your family here) have a brokerage account for the purchase or sale of stocks and other securities?

P

l.YES 3qz3 --> N!ZXT PAGE, N41

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

g40b. Over the past year. about hov many times did you (or anyone in your family living here) buy or sell stocks or other securities through e broker? (ACCEPT RANGE.)

3"12% s TIHES 1998.1 (946.1

N40c. Not including any accounts you've told me about, do you (or anyone in your family living here) have a "cash" or "call money' account at a stock brokerage? (IF R ASKS: CASH OR CALL XONEY ACCOUNTS HOLD MONEY RECEIVED FROH THE SALE OF STOCK UNTIL THE KONEY IS REINVESTED.)

--> GO TO N40e

N40d. What is the total dollar value of all the cash or call money accounts that you (and your family living here) have?

s 393e

N40e. Other than loans you have already told me about, do you (or anyone in your family living here) have any margin loans at a stock brokerage7

3931 --> NEXT PAGE, N41

N40f. Altogether. hov much is oved on these margin loans?

$ 3:"l37_

72 ~41. Do you (or anyone in your family here) receive income from or have assets in a

trust, annuity, or managed investment account that you have not already told me about? (IF YES, SAY: Please do not include pension-type accounts, or any assets that I have already recorded.)

El 5. NO --> NEXT PAGE, N47

N42. Uha; are these; are they legal trusts, annuities, or managed investment accounts7 3?36

C. MANAGED INVESTMENT ACCOUNTS

N43. Are any of these set up so that yo; (or your family living here) are legally entitled only to the income and do not have an eauitv interest?

1. YES 3’139

4

8. DON'T KNOW 1

GO TO N44

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

$ 3437 IN 1988

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

cfl

1. YES 39qo cl 5. NO --> NEXT PAGE, N45

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

1 NEXT PAGE, N45 1

N44. What is the total dollar value of your (family's) interest in all annuities, trusts. or managed investment accounts7

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

123. 124.1 126. REUTIVE OR FRIEND]

37. RESPONDENT/SPOUSE 97. OTHER:

How is the money in these trusts end managed accounts invested? Is rnosr in stocks, t in bonds or other interest-earning assets. or vhat?

G'+, (7. OTHER

Pee, v N47. Do you (or anyone in your family living here) have any life insurance. including

individual or group policies?

qd 1. YES

P

I 5. NO --> TURN TO P. 75, N51

N48. Are any of these group or individual germ insurance policies7 (IF R ASKS: TERM INSURANCE POLICIES HAVE NO VALUE UNLESS THE PERSON DIES. MANY SUCH POLICIES ARE ISSUED THROUGH EMPLOYERS AND UNIONS.)

I 1

GO TO N49

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

N49. Do you have any policies that build up a cash value or that you can borrow on7 (IF R ASKS: THESE ARE SOMETINRS CALLRD "WHOLE LIFE" OR "STRAIGHT LIFE".)

1,~ .~ ;. i,&$

NEXT PAGE, N49a TURN TO P. 75, N51 NEXT PAGE, N50

74 LIFE INSURANCE THAT BUILDS UP A CASH VALDE

,9a. What is the current fare value of all of the policies that build up e cash value that you (and your family living here) have7

$ w-J<

i9b. What is the total & value of these policies?

k9c. Art you (or your family) borrowing against these policies7

El 5. NO --> GO TO N49j

49d. (ASK ONLY IF AN AMOUNT WAS GIVEN IN N49b.) Is the cash value you just gave me I,& of any loans you have against the policy or is it the p~pss cash value7 (IF R ASKS: THE NET VAUJE IS THE TOTAL CASH VAlJJE MNUS ANY LOANS.)

49e. Did I record these loans earlier in the intet-viev?

GO TO N49j

N49f. How much is currently borrowed? $ qow

N49g. Typically how often (do you/does your family) make payments 0" these loans and hov large are the payments7

$ (la11 PER wz 9996. NO TYPICAL PAYMENTS

N49h. What is the current annual rate of interest being charged on these loans7

+x3 %

149j. How much in total are the yearly premiums for these policies that build up a cash value7

$ I(w! PER WJ'

NEXT PAGE A51

N50. What is the current face value of all the (other) life insurance policies that you ..;;:.:~~, (and your family living here) own?

.) ~._j

75

N51.

N52.

N52.a

N52b

N52c

We have talked about various types of savings, investments, and loans. Ocher than

what I 'have already recorded, are you (or snyone in your family living here) owed any money by friends, relatives, businesses, or others? (YE DO NOT "AN-I TO INCLUDE PENSION-TYPE OR EPLPLOYER PROFIT-SHARING ACCOUNTS HERE.)

N51a. Altogether, how much are you owed? $ L/OlP

Do you (or anyone in your family living here) have any other substantial assets that I haven't already recorded -_ for example, artwork, precious metals. antiques, future proceeds from a lawsuit or estate, oil and gas leases, futures contracts, royalties, or something else? (DO NOT INCLUDE PENSION-TYPE OR ,?MPUXFX PROFIT-SHARING ACCOUNTS HERE.)

(About the most valu- able of these ..) What kind of asset is it7

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

YOU $ OLZ

in

/ Do you have any other substantial assets? 1. YES --> GO

BACK TO

Y 023 N52a. COL #:

cl 5. NO

I I

ASSET a2

yo LJ

$ qotfs

1. YES --> GO BACK TO

Yo2 1 N52a, COL #3

ASSET #3

‘lo 23

4029

Do you (or anyone in your family living here) e any other money not recorded earlier?

N53a. How much is still owed on these loans?

76

THIS IS A BUNK PAGE

77

4' SECTION R: FXPLOYMENT OF RESPONDENT

Ue are interested in your present job status. Are you working now, temporarily laid off, unemployed and looking for vork, disabled and unable to work, retired, a student (a homemaker), or what? (CHECK ALL THAT APPLY.)

IF R IS "WORKING NOW" m ANY OTHER CATEGORY, ASK ALL FOLLOW-UP QUESTIONS AND GO TO NEXT PAGE, R2.

UNEMPLOYED AND jl woRK

STUDENT LOOKING FOR

NEXT PAGE, R2 I

I

L\\OO I L\\o\ MONTH/YEAR

NOTE: CONSIDER THIS R's "CURRENT MAIN JOB" FOR PURPOSES OF R2-R39a

NEKT PAGE, R2

-I-- I- Rlc. Are you doing Q&

vork for pay at the present time?

--> II_YES>tJJ

R2 '

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

‘\lOz. YEAR

le.

If.

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

$‘\LbJ PER%

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

. . I

78 R2. Next are some questions about your current, main job. Do you work for someoni

else, are you self-employed, or what?

R-3.

i

What is the ohficial

R5.

R6.

R7.

RB.

TURN TO P. 80, R14

title of your job? (The title that your employer uses?)

OFFICIAL JOB TITLE

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

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

q/o9

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

YllO fi HOURS

(READ SLOWLY) Counting paid vacations as weeks of work, how many weeks do you work on this job in a normal year?

# WEEKS yl[!

About how much do you earn before taxes on your main job? (Is that per hour, week, month. year. or what?)

$ q/It PER Yun

79

R9.

RlO

Rll

R12

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

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

YLK * YEARS OR SINCE

How many years do RANGE.)

x Yw\RS 4116

you expect to continue vorking for this employer7 (ACCEPT

OR UNTIL AGE:

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

%I1 1. YES

I TURN TO P. 81, Rl5

R13. NO QUESTION

80 R SELF-EWPLOYED

14. What sort of work do you do? (Tell me a little more about what you do.) (IWER: IF R WORKS FOR BUSINESS REPORTED IN SECTION N, "ARK BOX.)

14a. What industry do you work in? That is, vhar do they do or make7 (What industry do you $v~ically work in7)

qrzo

14b. How many years have you worked for (yourself/this business)7

4121 #YEARS OR SINCE

,14c. About how many years do you expect to continue working for (yourself/ this business)? ACCEPT RANGE

q/Zt # YEARS OR UNTIL AGE:

.14d. How many hours do you work (for yourself/in this business) in a normal week?

q123 It HOURS

.14e. (READ SLOWLY) Counting paid vacations as weeks of work, how many weeks per year do you work on this Job?

#WEEKS YIW

24f. How are you paid7 Are you paid a regular salary or wages, do you receive B portion of the "et earnings. or what7 (CHECK ALL THAT APPLY AND ASK y @Ll&;-UII' QU$S$O$ IF APPLICABLE.) /=,

IA. S;,,, IB. W;,,,,

Rl4h. (In addition to regular salary.) how or wages are you much do you personally ear" from the paid before taxes? business before taxes? (What did you

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

.14k. Aside from IRA or Keogh plans, are you included in any pension plans or tax-deferred savings plans through (your work/the business)?

-->TURN TO P. 90, R40

NEXT PAGE, RI7

R15. Uany employers have pension or retirement plans, and some provide tax-deferred plans such as thrift, savings, 401K's, profit sharing, or stock ownership plans. Are you included in any pension or retirement plans. or in any tax- deferred savings plans on this job? (W NOT INCLUDE SOCIAL SECURITY.)

IF R MENTIONS IRA OR KEDGH PUNS. NOTE IN MARGIN AND SAY: "We covered those earlier in the interview. Here, I just want to find out about other plans operated through your employer."

y 135 l. YEs

!

yq piiy&q I ,

R16. Does your employer :ffer any such plans?

"36 1. YES

P

v/8.WN;I

TURN TO P. 90, R40

Rlba. Are you eligible to be included in any of

I P. 90, R40

work

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

I R16b. Will you be eligible if you continue to for this employer?

TURN TO P. 90, R40

R17a.

R17b.

R17c.

Are you currentlv receiving benefit payments from any retirement plans from this job?

1. YES

7

I 5. NO -->RECORD # PIANS (FROM R17) IN BOX

AT R18, NEXT PAGE

I'll ask about the benefits later. Are there any retirement or savings plans from u job where you are pot veT drawing benefit payments?

1. YES

q

0 5. NO --STLIRN TO P. 90, R40

How many such plans do you have?

L) t) PUINS--NOT YET RECEIVING BENEFITS

RECORD o PUNS IN BOX AT R18, NEXT PAGE

OL I

PLAN 1

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

R2 :O. I would like to know what general type of plan this is. In the most common pension or retirement plan, Type A, the amount of the benefit is usually based on a formula involving age, years of service and salary. In other plans, Type B, money is accumulated in an account for yo, until your retirement. Is your (first/next) plan like Type A or Type B?

R21. For that part of your plan where,money is accumulated in a" account, how much is in the account?

1. PENSION OR RETIREMENT --X0 TO R20

R28. PIAN 1

GO TO R22 TUP.N TO P. 86, R28, PLAN1

R22. Do you currently make contributions to this plan?

(IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY DEDUCTIONS, UNION DUES OR OTHER SOURCES)

8. DON'T KNOW

GO TO R24

R23

R24

What percent of your pai or _ PERCXNT OR $4363 PER= amount of money per month or year do you currently contribute? YX56(99B.l

At what age do you expect to start receiving benefits from AT AGE "*z 96. DON'T EXPECT this plan? BENEFITS

IN YEARS

TURN TO P. 84, TURJ TO P. 84, R25--PLAN 1 R26--PIAN 1

--_________________--

PLAN 2

a3 I

PLAN 3

R19

R20

R21

R22

R23

R24

r

1. PENSION OR RETIREMENT --X0 TO R20 PIAN

2. TAX-DEFERRED SAVINGS --Z-TURN TO P. 86, R28, PUN 2

8. DON'T KNOW WHAT KIND

1. TYPE A (FORMULA)

GO TO R22 P. 87, R28 PIAN

v303

$ V364 IDON’T\

&. YES

4

Is.1 /8

GO TO R24

1'36cPERCENT OR $+367 PER-

-DON’T

AT AGE u36,$

IN YEARS ('"

TURN TO P. 85. TLlRN TO P. 85, R25--PIAN 2 R26--PL4N 2

-__--~------~-------_

1. PENSION OR RETIREMENT --X0 TO R20 PL4N3

R28, PUN 3

1. lYPE A (FORMULA)

TURN TO P. 87. R28 PUN3

GO TO R22

I. R22

$ 44&t IDON’T\

GO TO R24

1998. DON’T KNOW1

AT AGE

IN

TURN TO P. 85. TURN TO P. 85, R25--PLAN 3 R26--PUN 3

.-_------------------

Y-r

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

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

R26a. About how much per would you receive?

R27. INTERVIEWER CHECKPOINT (SEE R18, P. 82,

month

TYPEA-PLAN1 ~----_--~--~---~--_--

s4UO PER +r I

OR -PERCENT OF FINAL PAY

1. BENEFIT NOW ‘t2-13 12. BENEFIT IATER (

7. OTHER:

n

GO TC R27

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

sqw4 PERHONTH IDON'T/

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

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

R19. PlAN 2

86

SAVINGS PLANS AND TYPE B PLUG

R28.

R29.

R30.

R31.

R32.

R33,

R34.

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

For how many years altogether have you been included in this plan? (INCLUDE YEARS WITH OTHER !ZHPIJXF.RS. IF SAME PIAN.)

(Does your employer/Does the business) make contributions to this plan?

R30a. What percent of your pay or amount of money per month or year does (your employer /the business) contribute7

Do yps! currently make contributions to this plan7 (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SAULRY DEDUCTIONS, UNION DUES. OR OTHER SOURCES.)

R31a. What percent of your pay QI amount of money per month or year do you currently contribute7

Roughly how much money is in your account *t present?

Can you borrov against that account7

Do +I currently have a loan against that account7

R34a.

R34b.

What is the amount of the loan balance7

Did you tell me about this loan earlier?

SAVINGS & TYPE B - PLAN 1

1. THRIFT OR SAVINGS 97. OTHER:

2. 4OlK/403B/SR4 I 4LlL

3. PROFIT SHARING

4. STOCK PURCHASE, ESOP 98. DON'T KNOW

‘IU-I YEARS 198. DON'T KNOWl

I 1

GO TO R31

it14PFJlCENT OR _ _ $YZZO PER qz?J

AZ=,. YES

4 CO TO R32

Irt3 PERCENT OR _ $4Zd PERYM

998. DON'T KNOW

$ q-L26 (1

$’ mm!??“________

TURN TO P. 88, R35--PlAN 1

87

R28.

R29.

R30.

R30a

R312

R32.

R33.

R34.

R34a

R34b

5 c*<.c ‘( 3 SAVINGS & TYPE B -- PLAN 2


2. 401K/403B/SRA q3ib

3. PROFIT SHARING

4. STOCK PURCHASE, ESOP 98. DON'T KNOW

431-J YEARS

GO TO R31

GO TO R32

8. DON'T KNOW

TURN TO P. 89, R35--PLAN 2

SAVINGS & TYPE B -- PLAN 3

1. PROFIT SHARING I

,. STOCK PURCHASE, ESOP 98. DON'T KNOW

‘lL\\-l YEARS 198. DON'T KNOW)

s PERAENT OR $w PER m

998. DON'T KNOW

g.7.L ’ PERCENT OR Sm PER a

998. DON'T KNOW

;;

1. YES 7 cl 5. NO -->TURN TO P.89. R35

-

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

88

R35.

RX.

R37.

R38.

SAVINGS & TYPE B - PIAN 1

If you needed money in an emergency. could you withdraw some of the funds in that

-bj--E--Fi-

account? (CHECK "YES" EVW IF WITHDRAWAL INVOLVES PENALTY.)

‘\23(

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

4233 PERCENT

OR

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

INTERVIEWER CHECKPOINT (SEE R18, P. 82) ONLY 1 PIAN-->I'URN TO P. 90. R40

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

I

R36

R37

R38

SAVINGS & TYPE B - PLAN 2 __-__-____-_---------

R36a. What proportion would you lose?

_&a PERCENT

OR

1. ONLY 2 PUNS->NEXT PAGE, R40

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

5 Lb--* Yf 89

SAVINGS & TYPE B - PIAN 3

-/iq--fi--+~-

R36a. What proportion would you lose?

4u 37 PERCENT

OR

qII 3‘1 I I 1 I

1. SPLI: IMLYIi'. HOST.YCRALLNC~~3,

7. OTHER: 1 18. DON'T KNOW)

11. ONLY 3 X%~NEXT PAGE, ~40

12. ALL OTHERS

4 R39. (IF 4 OR UORE) Altogether how nuch do you have in your account balance(s) for any

other pension plans or savings plan(s) from this job?

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

w37

from (this/these)

1 NONE j

R40. Are you doing any orher work for pay now. such as a second job, the military reserves. or (another) business of your own?

R40a. Is this a second job, the military reserves, your own business, or what? (CHECK ALL THAT APPLY.)

R40b. IWER: IF BUSINESS IS ONE OF THE BUSINESSES REPORTED IN SECTION H, MAP.K BOX.

4 R41. How many hours do you work on these other jobs in a normal week?

Yfil #HOURS

R42. Counting paid vacations as veeks of work, how many weeks do you work on these other jobs in a normal year?

q_Yba # WEEKS

R43. About how much do you earn before taxes from these other jobs? (Is that per hour. week. month, year, or what?)

R44. Thinking about all your current work for pay. do you consider yourself to be vorking full-time or part-time? (IF R IS IAID OFF OR A SEASONAL WORKER. ASK ABOUT "JOBS WHEN R IS WORKING".)

qslt II.1 FPART-TME] --> TURN TO P. 93, R46

NEXT PAGE, R45

91 WORK HISTORY FOR R'S CUP.F.RNTLY WORKING FULL-TIHE

!45. Now I have a few questions about your past jobs. Were you working for pay in January 1983?

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

GO TO R45e

GO TO R45e -v

:45b. What was the reason you left (that job/self-employment)? Did you retire, become disabled, quit. were you laid off, did the business close, or what?

7. OTHER:

Were you included in a pension or retirement plan on that job?

I 1 n .45c.

X0 TO R45e

.45d. Did you get a cash settlement from that pension plan, do you expect to get retirement benefits from that plan in the future, are YOU gerting

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

I 4 .

4%. During the past 36 months, have you vorked full-time?

that is the last three years. how many months

y!?zq It OF MONTHS

45f. How many different employers have you had on full-time jobs over the past 36 months?

lyt< X OF ENPLOYERS ---_----_----_-----------__--------------

92 ______________-___--____-____-__-----__--

~45g. Have there been any months over this period vhen you only vorked part-time?

cl 5. NO -----> GO TO RL5m

R45h. How many of the past 36 months have you only vorked part-time?

# OF HONTHS wz7

R45j. - R45k. NO QUESTIONS

R45m. Thinking now of the future, when do you expect to stop working full-time?

IN l&a YEARS OR AT AGE

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

R45p. When do you expect to stop working altogether?

IN q$TOYEARS OR AT AGE

TURN TO P. 97, R49

93

WORK HISTORY FOR R’S VOPXINC PART-TIME NOV r- Rl

Y

RI

U

Rf

q

R,

4

R

R,

i6. Now I have a few questions about your past jobs. Vere you working for pay in January 1983?

153\ I,,i”“l ~--X0 TO R46e

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

4. SELF-WL

GO TO R&be

GO TO R46e v

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

7. OTHER:

46~. Were you included in a pension or retirement plan an that job?

--X0 TO R46e

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

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

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

X OF MONTHS qI(L(o ----_____________________________________

94

r------ _-----_---_---_------~----------- R46f. Have there been any months over this period vhen you worked full-time? 1 /qfi( (,.I (5.~----> GO TO R46p

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

llN2 X OF MONTHS

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

It OF EMPLOYERS

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

R46k. R46n. NO QUESTIONS

R46p. Thinking now of the future, do you expect to do any full-time work for pay?

YS'ib 1. YES

7

8. DON'T KNOW/DEPENDS

I GO TO R46s

R46q. When do you expect to start working full-time?

INqfi1 YEARS OR AT AGE 98. DON'T KNOW/DEPENDS

R46r. And when do you expect to stop vorking full-time?

YEARS OR AT AGE

I

98. DON'T KNOW/ DEPENDS

R46s. When do you expect to stop working for pay altogether?

INqN(f Yw\RS OR AT AGE 98. DON'T KNOW/ DEPENDS

TURN TO P. 97. R49

96. NEVER El STOP

TO P. 97. R49

95

WORK HISTORY FOR R'S CURRENTLY RETIRED/DISABLBD, HO M?ZMKFX, STUDENT, OR OTHER

i7.

17a

G7b

bo3

4JC

47d

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

--X0 TO R47d

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

17. OTHER: li602

Were you covered by a pension or retirement plan on that job?

--X0 TO R47d

Did you get a cash settlement from that pension plan. do you expect to get retirement benefits from that plan in the future. are you getting retirement benefits

B. EXPECT SETTLEMENT FUTURE BENEFITS

BENEFITS

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

have you done any work for pay?

WEKT PAGE, R47p

47e. How many months over this period have you worked full-time?

(,,,-----> GO TO R47g 141 q&a MONTHS

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

4611 X OF EMPLOYERS

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

47h. - R47n. NO QUESTIONS

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

96

r------ --- R4Jp. Do you expect

------~-------~--------~-------. to work for pay in the future?

> NEXT PAGE, R49

R4Jq. When do you expect to start working?

IN YMqYEARS OR AT AGE 98. DON'T KNOW/DEPENDS

R47r. Will any of that be full-time work?

461s n 5. NO 8. DON'T KNOW/DEPENDS

I I GO TO R47u

R4Js. When do you expect to start working full-time?

L&&IN YEARS OR AT AGE 98. DON'T KNOW/ DEPENDS

R4Jt. And when do you expect to stop working full-time?

q(nIN , YEARS ; AT AGE , cl

R47u. When do you expect to stop working for pay altogether?

q&\*BN ~ YEARS OR AT AGE

INEXT PAGE. R491

I

SECTION s: EMPLOYMENT OF R'S SPOUSE

1

/ Sl. We are interested in your (husband's/wife's) present job status. Is (he/she) working now. temporarily laid off, unemployed and looking for work, disabled and unable to work. retired, a student (a homemaker), or what? CHECK & THAT APPLY

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

NEXT PAGE, S2

I L I /

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

i J - lc. Is (he/she) doing any

work for pay at the present time?

= PAGE, l.YES >NE.XT

s2 b.

TE

When did (he/she) last work on this

MONTH/YEAR

CONSIDER THIS S's "CURRENT MAIN JOB" FOR PURPOSES OF S2-S39a

NFXT PAGE, S2

> TURN TO P. 14a. s44c

1 Sld. When did (he/she) 1

(retire/became disabled)?

4702 YEAR

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

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

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

(-(-/b6 1. ;KlE

7

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

TURN TO P. 4, S14

What is the official title of (his/her) job? (The title that (his/her) employer uses?)

OFFICIAL JOB TITLE

S4. What sort of work does (he/she) do on (his/her) main job? (Tell me a little more about what (he/she) does.)

s5. What kind of business or industry does (he/she) work in--that is, what do they make or do at the place where (he/she) works?

YTOQ

S6. How many hours does (he/she) work on (his/her) main job in a normal week?

47fO tt HOURS

s7. (READ SLOWLY) Counting paid vacations as veeks of work, hov many weeks per year does (he/she) work on this job in a normal year?

tt WEEKS Y11(

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

$ q7rt PER Y-?/3

3 s9. About how many employees work for this company or organization, including all

locations? (IS it fewer than 10, 10 to 19, 20 to 99, 100 to 499, or 500 or more?)

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

lillC ttYFARS OR SINCE

Sll. How many years does (he/she) expect to continue working for this employer? (ACCEPT RANGE .)

YlI6 0 YEARS OR UNTIL AGE:

s12. Is (he/she) covered on this job by a union or employee-association contract?

Il. YESI 4717 15. NO]

TURN TO P. 5, S15

S13. NO QUESTION

4 SPOUSE IS SELF-EXPLOYED

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

14a. L'hat industry does (he/she) work in? That is, what do they do or make? (What industry does (he/she) croicallY work in?)

q-It0

14b. How many years has (he/she) worked for (himself/herself/this business)?

q7?_/ #YEARS OR SINCE

14c. About how many years does (he/she) expect to continue working for (himself/herself/this business)? ACCEPT RANGE II

47&Z tt YEARS OR UNTIL AGE: 196. MV:"/ 190. DO;yTI

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

47’43 # HOURS

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

S14h. (In addition to regular salary,) how or wages is (he/she) much does (he/she) personally earn paid before taxes? from the business before taxes? (What

$ Y7ts PER 9x30

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

1733 pq pYq

i14k. Aside from IRA or Keogh plans, is (he/she) included in any pension plans Or tax-deferred savings plans through [(his/her) work/the business]?

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

5

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

Ii= R HENTIONS IRA OR KEOGH PUNS. NOTE IN MARGIN AND SAY: "We covered those earlier in the interview. Here. I just want to find out about other plans operated through (his/her) employer."

516.

j16a.

413-J

j16b.

TURN TO P. 14. s40

Does (his/her) employer offer any such plans?

1. YES

7

i';"I yWN;T

TLJRN TO P. 14. s40

Is (he/she) eligible to be included in any of these plans?

E4Dv;

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

s17. In how many different plans of this soft is (he/she) included on this job?

q73! It HANS

S17a.

430

S17b.

Is (he/she) currentlv receiving benefit payments from any retirement plans from this job?

1. YES

v

0 5. NO -->RECORD # PIANS (FROM S17) IN BOX

AT SlB, NEXT PAGE

I'll ask about the benefits later. Are there any retirement or savings plans from a job where (he/she) is not "et drawing benefit payments?

0 5. NO -->TlJRN TO P. 14. S40

(he/she) have? How many such plans does

-.wfL 4 PUNS--NOT

RECORD li PIANS IN BOX AT

YET RECEIVING BENEFITS

SlB, NF.XT PAGE

6

s19.

SZO.

s21.

s22.

S23.

S24.

) 4j6( 1 x OF ~~~

(Is this/About the (next) most important of these plans, is it) a pension or retirement plan, or a tax-deferred savings plan of some sort? (IF R ASKS: 401-K. 403-B. ESOP, SRA, THRIIT SAVINGS, STOCK OWNER. SHIP, AND PROFIT-SWING ARE ALL TAX DEFERRED SAVINGS PL4NS.)

I would like to know what general type of plan this is. In the most common pension or retirement plan, Type A, the amount of the benefit is usually based on a formula involving age years of service and salary. In other plans, Type B, money is accumulated in en accwnt for yo\ until your retirement. Is (his, her)(first/next) plan like Type 1 or Type B?

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

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

What percent of (his/her) pay or amount of money per month or year does (he/she) currently contribute?

At what age does (he/she) expect to start receiving benefits from this plan?

,

1

/

4

I

3

%67 PLAN 1

1. PENSION OR RETIREnENT --X0 TO S20

S28, PIAN 1

GO TO S22 TURN TO P. 10. S28. PIANl

J

I’” s25--PIAN 1 TURNTOP. 8,

S26--PLAN 1 _ _ _ ___________ _------

I

7

s19

szo

s21

s22

s23

s24

5 PLAN 2

S2B. PLvi 2

GO TO S22 TURN TO P. 11, S28

4403 PUN2

GO TO ,522

$ YE204 DON'T KNOW I

44of - GO TO S24 T

%_o& PERCENT OR $ $6-j PER w

1998. DON'T KNOW1

%AGE OR IN TURN TO p.

s25--PLAN 2 NRN TO P. 9, S26--PLAN 2

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

5 LhUH 5-o PLAN 3

1. PENSION OR RETIREMENT --X0 TO S20 PIAN3

S28. PIAN 3

1. TYPE A (FOPJKJIA)

GO TO S22 nJP.N TO P. 11, S28

pLAN 3s_Oo3

J

1 mcr - GO TO S24

)YYB. DON'T MOW]

I

_A& OR IN_ YRS 96. DON'T EXPEC'I BENEFITS

TURNTOP. 9 I S25--PUN 3 TURN TO P. 9.

S26--PLAN 3 ------------------__

8

S25. About how much does (he/she) expect (his/her) benefits to be? [AS a proportion of (his/her) pay at retirement. or as an amount per month when (he/she) sf~~-ts receiving them71

c _-+-. W TYPEA-PLAN1

---------------------

1 OR WPERCENT OF FINAL PAY

S26. If (he/she) were to (leave this job/sell this business) now. 1. BENEFIT NOW would (he/she) start receiving a monthly or annual pension benefit 2. BENEFIT IATER now. would (he/she) receive one later, would (he/she) get a cash 3. CASH SETTLEMENT settlement now. would (he/she) get nothing or what? 4. NOTHING (IF R SAYS "ROLL OVER" MAP.K "CASH SETTLEMENT".) 7. OTHER: -GO T

s27

8. DON'T KNOW

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

PERMONTH

S27. INTERVIEWER CHECKPOINT (SEE S18, P. 6, !--I

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

-

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

,:

S25.

S26.

S26a

S27

TYPEA-PLAN2 TYPE A -PLAN3 ----------------_____----________________

OR (I~LZPERCENT 0F FINAL PAY OR$%APERCENT OF FINAL PAY

1. BENEFIT NOW

2. BENEFIT LATER 4513

3. CASH SETTLEKENT

1. 12. BENEFIT '='3 BENEFIT NOW LTER,

.3. CASH SETTLEMENT

4. NOTHING 4. NOTHING

7. OTHER: -GO TO S27

7. OTHER: --GO TC S27

8. DON'T KNOW 8. DON'T KNOW

PER MONTH PER MONTH

0 1. ONLY 2 PUNS->TUF!N 7 91s TO P. 14, S40 0 1. ONLY mt 3 PUNS->TURN TO P. 14, S40

2. ALL OTHERS-X0 BACK TO P. 7, 0 2. ALL OTHERS-->TlJF!N TO P. 13. S39 s19. PIAN 3

‘.._.

10

S28

529

s30

S31

S32

s33

S34

SAVINGS PLANS AND TYPE B PLANS I

(Could you tell me a little more about this plan?) Is it a thrift or savings plan, a 401K. a profit-sharing plan, a stock purchase plan or what?

For how many years altogether has (he/she) been included in this plan? (INCLUDE YEAF5 WITH OTHER EMPLOYERS, IF SAME PLAN)

[Does (his/her) employer/Does thf business] make contributions to this plan?

S30a. What percent of (his/her) pay or amount of money per month or year does [(his/ her) employer/the business] contribute?

Does ihe/she) currently make contributions to this plan? (IF R ASKS: INCLUDE CONTRIBUTIONI THROUGH SAIARY DEDUCTIONS, UNION DUES OR OTHER SOURCES.)

S31a. What percent of (his/her) pay or amount of money per month or year does (he/she) currently contribute?

Roughly how much money is in (his/her) account at present?

Can (he/she) borrow against that account?

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

S34*.

S34b.

!Jhat is the amount of the loan balance?

Did you tell me about this loan earlier?



02. 401K/L03B/SR4 48lc

33. PROFIT SHARING

04. STOCK PURCHASE; ESOP 98. DON'T KNOW

4gr7 YEARS (98.1

Q4- PER:ENT OR $yfto PER w

998. DON'T KNOW

998. DON'T KNOW

t

I,. ~,,l--z%!o P. 12, s35

1

42 7

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

s-47 SAVINGS & TYPE B - PLAN 2

04. STOCK PUFXHASE:ESOP 98. DON'T KNOW +iAr+Eq s30.

GO TO S31

S30a 1(9rS PERCENT OR $-PER 42

GO TO S32

OR SW PER w

S32. $ +iL6

S34b rq50

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


01. THRIFT OR SAVINGS 97. OTHER: ml ml.4

03. PROFIT SHARING

04. STOCK PURCHASE;ESOP 98. DON'T KNOW

!a(7 YEARS 198. DON'T KNOW1

GO TO S31 I

m, PERhENT OR $a PER rx

1 998. DON'T KNOW/

$ mzc IDON’T/

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

I

535

S36

S37

S38

12 S- SAVINGS & TYPE B - PLAN 1

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

-1. AU 3. SOHE 7. OTHER

-5. NONE !423$ I J

If (he/she) were to (leave this job/sell the business) now. would (he/she) lose all. .some, or none of the money in this account? S36a. What proportion

would (he/she)losei

PERCENT y833

OR

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

INTERVIEWER CHECKPOINT (SEE S18, P. 6) 1. ONLY 1 PUN-->TIJRN TO P. 14, S40

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

‘.’

S36

s37

S38

s39


r’

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

4533 PERCENT

OR

(17. OTHER: 1 IS. DON'T KNOW1

0 1. ONLY 2 PUNS->NEXT 4156 PAGE, S40

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

1.

7.

5 -Lh go 13


@q--fi--~~

q-m31

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

5-033 PERCENT

OR

OTHER:

-

1 S-035’ 1. ONLY 3 PLANS-Z-NEXT PAGE, S40

I 2. AU OTHERS

(IF 4 OR MORE) 'Altogether how much does (he/she) have in (his/her) account balance(s) for any other pension plans or savings plan(s) from this job?

$ su3- NEKT PAGE, S40

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

doing any ocher work for pay now. such as a second job, the milicar-y reserves. or (another) business of (his/her) own?

s&Oa. Is this a second job. the military reserves. (his/her) ovn business, or ' vr? (:rfsAT A;F?LY.; ;; ,, s,~$.

A. SECOND JOB B. MILITARY C. BUSINESS D. OTHER:

/

J ’ GO TO s41

S40b. IWER: IF BUSINESS IS ONE OF THE BUSINESSES REPORTED IN SECTION M. MARK BOX.

s41

S42

S43

s44

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

f/O') #HOURS

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

5402 tl WEEKS

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

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

(1.1 F,:::T PAGE, S44b

NEXT PAGE, S44a

14a

!%4a. INTERVIEWER CHECKPOINT

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

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

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

S44b. INTERVIEWER CHECKPOINT

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

1. NJ SPOUSE/PARTNER LISTED IN "MOVERS-IN" HH LISTING BOX--->TURN TO P. 17, S46

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

s44C. INTERVIEWER CHECKPOINT

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

0 1. m SPOUSE/PARTNER LISTED IN "MOVERS-IN"

HH LISTING BOX--->TURN TO P. 19. S47

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

14b

THIS IS A BLANK PAGE

15 WORK HISTORY FOR SPOUSE ClJf'xRENTLY WORKING FULL-TIME

$\’ j

eb

g\l

,..

y\\7

h5. Now I have a few questions about (his/her) past jobs. Was (he/she) working for pay in January 1983?

--X0 TO S45e

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

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

! I (7. OTHER: I

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

--X0 TO Sli5e

45d. Did (he/she) get a cash settlement from that pension plan, does (he/she) expect to get retirement benefits from that plan in future, is (he/she) getting retirement benefits from that plan now. or what? (CHECK ALL THAT

I I I I

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

+ J 45e. During the past 36 months, that is the last three years, how many months

has (he/she) worked full-time?

-YlZY X OF MONTHS

--______________________________________

I

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

past 36 months?

SIZS’ # OF EnPLoYERS

S45g. Have there been any months over this period when (he/she) only worked part-rime?

El 5. NO -----> CO TO S45m

S45h. How many of the pest 36 months has (he/she) only worked part-time?

zm7 X OF HONTHS S45i - S45k: NO QUESTIONS

S45m. Thinking now of the future, when does (he/she) expect to stop working full-time?

IN rlz% YEARS OR AT AGE --X0 TO S45q

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

i45p. When does (he/she) expect to srop working altogether?

IN_$(a YEARS OR AT AGE

S45q. RETURN TO MAIN QUESTIONNAIRE, P97, R50

17

WORK HISTORY FOR SPOUSE WORKING PART-TIE NOW

k6. Now I have a few questions about (his/her) past jobs. Was (he/she) working for pay in January 1983?

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

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

7. OTHER:

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

;[3c4 II. 1”‘1 15.--X0 TO S46e

46d.

&6e.

-_

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

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

During the past 36 months, that is the last three years, how many months has (he/she) worked part-time?

It OF MONTHS g@

18 _______________---__---------------______ ;46f. Have there been any months over this period vhen (he/she) worked full-time?

<\L\\ 1. YES

v

I 5. NO -----> GO TO S46p

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

# OF MONTHS 5\q’L

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

gq3 X OF ENPLOYERS

i46i. When did (he/she) last work full-time for pay'/

j46k S45n: NO QUESTIONS

346p. Thinking nov of the future, does (he/she) expect to do any full-rime work for pay?

1. YES 5ly6

7


I GO TO S46s

j46q. When does (he/she) expect CD start working full-time?

IN ‘+I1 YEARS OR AT AGE 98. DON'T KNOW/DEPENDS

346r. And when doss (he/she) expect to stop working full-time?

IN 5-t YEARS OR AT AGE 98. DON'T KNOW/ DEPENDS

$

1 GO TO S46r

j46s. When does (he/she) expect to stop working for pay altogether?

IN clq? YEARS OR AT AGE I'" 1')6/

S46t. RETURN TO MAIN QUESTIONNAIRE, P97, R50

19

FOR SPOUSE CURRENTLY RETIRED/DISABLED, BOlIEMAKER, STUDENT, OR OTHER

i7. Now I have a few questions about (his/her) past jobs. Was (he/she) working for pay in January 1983?

--X0 TO S47d ‘

Sl i7a. What was the reason (he/she) left that job? Did (he/she) retire. become disabled, quit, was (he/she) laid off, did the business close, or what?

7. OTHER:

se h7b. Was (he/she) covered by a pension or retirement plan on rhar job?

C ;& [,'""1 ,

m-i--X0 TO S47d

S, 47~. Did (he/she) get a cash settlement from that pension plan. does (he/she) expect to get retirement benefits from that plan in future. is (he/she) pettina retirement benefits from that plan now, or what? (CHECK ALL THAT

SETTLEMENT

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

I

S 47d. During the last three years, or 36 months, has (he/she) done any work for pay?

c > NEXT PACE, S47p

S 47e. How many months over this period has (he/she) worked full-time?

(210 It MONTHS m-----X0 TO S47g

S 47f. How many different employers has (he/she) had on full-time jobs over this time7

)f OF F.MPLOYERS $211 S, 47g. How many months over this period has (he/she) only vorked part-rime?

wz It HONTHS 0 NONE

--..-__----________________________________

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

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

X0 TO S47v

S47q. When does (he/she) expect to start vorking? SZlV

IN -YEARS OR AT AGE 98. DON'T KNOW/DEPENDS

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


J GO TO S47u

S47s. When does (he/she) expect to start working full-time?

IN 5216 YEARS OR AT AGE 98. DON'T KNOW/ DEPENDS

L

S47t. And when does (he/she) expect to.stop working full-time?

IN St'3 YEARS 7 AT AGE , 196~~4;OPI ,

Slr7u. When does (he/she) expect to stop working for pay altogether?

IN ~~YEARS OR AT AGE /'"I /,,I

S47v. RETURN TO MAIN QUESTIONNAIRE, P97, R50

FOR SPOUSE CUP.FZNTI,Y VOPXINC FULL-TIM5 (DIFFERENT SPOUSE)

21

S45. (READ SLOWLY:) Now I have a few questions about (his/her) past jobs. Includ- ing any periods of self-employment, the military, Bind (his/her) current iob, since (he/she) was 18, how many years has (he/she) worked full-time for all or most of -the year? (Roughly how many years?)

530\ It yEARs j96.1, NEXT PAGE, SS4Sj

:S45a. Including any self-employment and (his/her) current job, for how many different employers has (he/she) worked in full-time jobs lasting one war or more?

5302 Lt Ep(PWaRS

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

I 1. YES 5303

El 5. NO --->NEXT PAGE, SS45j

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

(11 vSELE_EHPLOYED

530 4 r

IS45d. What sort of work was (he/she) doing when (he/she) left thar job? (Tell me a little more about what [he/she] did.)

no\'

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

f30L

jS45f. When did (he/she) start working at that job?

19 5307 OR YEARS AGO

3S45g. When did (he/she) stop vorking at that job?

19 _a@ OR YEARS AGO

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

22

WJFX HISTORY FOR SPOUSE CURRENTLY VORKING FULL-TIKE (DIFFERENT SPOUSE) .__________--__---_--------_-----___------- iS45h. About how much was (he/she) earning before taxes when (he/she) stopped? (Is

that per hour, week, month, year, or what?)

$ s-307 PER 53ro

%45j. Since (he/she) was 18, have there been years when (he/she) & vorked

jS45k

jS45m

SS45n

part-time for all or most of the year?

X0 TO SS45m

(3\l

About hov many years in total did (he/she) work part-time for all or mOSt of the year?

531Z 11 YEARS

Thinking now of the future. when does (he/she) expect to stop working full-time?

IN r3(3 YEARS OR AT AGE -->GO TO SS45q

Does (he/she) expect to work part-time after that?

J GO TO SS45q

J

SS45p. When does (he/she) expect to stop working altogether?

IN y31s YEARS OR AT AGE

SS45q. RETURN TO MAIN QUESTIONNAIRE, P. 97, R50

v0P.K HISTORY FOR SPOUSE WORKING PART-Tim NOW (DIFFERENT SPOUSE)

SZ

S!

S!

I

i46. NOW I have a few questions about (his/her) past jobs. Including any self-employment and (his/her) current job. since (he/she) was 18. about how many years in total has (he/she) worked part-time for all or most of the year? (Roughly how many years?)

53Lk ?d YEARS OR 96. LESS THAN 1 YEAR

i46a. Since (he/she) was 18. has (he/she) ever worked full-time far pay--including any self-employment and the military7

1. YES 5-31-i

7

I 5. NO >NEXT PAGE. SS46p

j46b. How many years has (he/she) worked full-time for all or most of the year? (Roughl; how many years?)

S3l2 #YEARS

jS46c. INTERVIEWER CHECKPOINT -- SEE SS46b

1. SPOUSE HAS WORKED AT LEAST 5 YEARS NLL-TIME OR DK

S46f.

S46g.

SUh.

Incluc ling any self-employment and (his/her) current job, for how many different employers has (he/she) worked in full-time jobs lasting one year or more?

5-323 x EMPLOYERS

I want to know about the loneest full-time job (he/she) had. Did (he/she) work for someone else, was (he/she) self-employed, or what?

V

SS46d. When did (he/she) last work full time for pay?

19 S-320 OR _# YEARS AGO

SS46e. About how much did <he/she) earn before taxes that year? (Is that per hour, week, month, year. or what?)

$ J-321 PER 5-322 NEXT PAGE, SS46p

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

--_______________________________________

23

I

24

YORK HISTORY FOR SPOUSE WORKING PART-TIME NOW (DIFFERENT SPOUSE) (CONT) ___________--_-----------_--_____-______- SS46i. What kind of business or industry did (he/she) work in -- that is, what did

they make or do at the place where (he/she) worked?

532L

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

19 5327 OR YEAR.5 AGO

SS46k. When did (he/she) stop vorking at that job?

19 s-323 OR YEARS AGO

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

SS46n. When did (he/she) last work full-time for pay?

19s3r OR # YEARS AGO

!%46p. Thinking now of the future. does (he/she) expect to do any full-time vork'

5. NO 8. DON'T KNOW/DEPENDS

I I GO TO SS46s

SS46q. When does (he/she) expect to start working full-rime? 533 3

IN -YEARS OR AT AGE 98. DON'T KNOW/DEPENDS

SS46r. And when does (he/she) expect to stop working full-time?

AT AGE 98. DON'T KNOW/ DEPENDS

J 4

SS465. When does (he/she) expect to stop working for pay altogether?

IN c%<YEARS OR AT AGE

196. tifiF/

GO TO SS46f

r-l

96. NEVER STOP

J

SS46t. RETURN TO MAIN QUESTIONNAIRE, P. 97, R50

U0P.X HISTORY FOR SPOUSE RETIRED/DISABLED, HOKEHAKER. STUDENT, OR OTHER 25 ss

SSL

S!

:

ss

ss,

SS’

ss,

SS’

sss

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

cs

1. YES g33L BNOt, NEXT PAGE, SS47m

,7a. How many years has (he/she) vorked full-time for all or most of the year? Include any periods of self-employment, and the military. (Roughly how many years?)

r337 tt YEARS

347b. INTERVIEWER CHECKPOINT -- SEE SS47a

1. SPOUSE HAS WORKED AT LEAST 5 YEAP.S NLL-TIME

--G SS47c. When did (he/she) last work full-time?

19s'r OR YFARS AGO

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

NEXT PAGE, SS47m

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

-53L(7 li F.HPLOYERS

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

47g. What sort of vork was (he/she) doing when (he/she) left that job? [Tell me a little more about what (he/she) did.1

53vll

47h. What kind of business or industry did (he/she) work in -- that is. what did they make or do at the place where (he/she) worked?

s-3vr

471. When did (he/she) start working at that job?

19 J’3qL OR YEARS AGO

47j. When did (he/she) stop working at that job?

19 c34-, OR YEARS AGO

---_________________________________

26

"ORK HISTORY FOR SPOUSE RETIP.ED/DISABLED, HOMZMAKER, STUDENT, OR OTHER ______-_------------~--------_-__-

About how much was (he/she) earning before taxes vhen (he/she) (Is that per hour, week, month. year. or vhar?)

$ a%?, PER &'i

;SQ7m. Since (helshe) US 18, were there any years when (he/she) (only) worked part-time for all or most of the year7

> GO TO SS47p

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

!a.?- YEARS

~47~. Does (he/she) expect to work for pay in the future?

> GO TO SS47v

S47q. When does (he/she) expect to start working?

INmYEZARS OR AT AGE 98. DON'T KNOW/DEPENDS

iS47r. Will any of that be full-time work7


I GO TO SS47u

;S47s. When does (he/she) expect to start working full-time?

IN T33-5 YEARS OR AT AGE

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

IN y35-l. YEARS OR AT AGE

jS47u. When does (he/she) expect to stop working for pay altogether?

IN-EARS OR AT AGE I’“--1 j,,l

I

(CONT)

stopped? --

SS47v. RETURN TO MAIN QUESTIONNAIRE, P. 97, R50

INTERVIEWER CHECKPOINT:

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

P. 1. SECTION S

2. ALL OTHERS

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

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

dOi > TURN TO P. 100, R52

R50a. Do these include Social Security benefit payments?

S_qcr~ I,, mNOt-> GO TO R5la

.-

R50c. RECIPIENT _________________>

R50d.

R50e.

About (your/your [husband's/ wife's]) Social Security benefits, are they for retirement or are they disability benefits? How long (have you/has he/ has she) received these benefits?

R50f. How much (do you/does he/ does she) receive each month or year7

R51. Are you (or your [husband/wife]) currently receiving any other retirement. pension, or disability benefit payments7

R50b. Are you both receiving Social Security payments or is only one of you? [Which one?]

IWER: CHECK PERSON(S) (RESP. SPOUSE) IN R50c. THEN ASK FOLLOWUP QUESTIONS R50d.R50f FOR EACH.

-- I - 1. YES v w TURN TO P. 100. R52

R51 a. Not counting Social Security, how many retirement, pension or disability benefit payments are you (and your [husband/wife]) currently receiving?

It PENSION/DISABILITY PAYMENTS

98 R51b. Who is receiving these benefit payments and what kind are they? (READ SLOWLY: A

they pensions from a current job, pensions from a cart job, disability pensions military pensions, or spousal pensions)?

IWER: HARK ONE RECIPIENT AND TYPE OF BENEFIT FOR a BENEFITS REPORTED. THEN ASK FOLLOWUP QUESTIONS R51d-R51h FOR EACH BENEFIT.

FIRST BENEFIT SECOND BENEFIT THIRD BENEFIT RECIPIENT -_____________>

R51c. TYPE OF BENEFIT --5 01. CURR JOB PENS

02. PAST JOB PENS

03. DISABILITY

04. MILITARY

05. SPOUSE PENS.

97. OTHER:_

SINCE:

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

1. RESP (2%%USI

01. CURR JOB PEN: 01. CLMI JOB PENS

02. PAST JOB PENS 02. PAST JOB PEN:

03. DISABILITY 03. DISABILITY

04. MILITARY 04. MILITARY

05. SPOUSE PENS. 05. SPOUSE PENS.

97. OTHER:_ 5a32

JqllORLYEARS

SINCE:

PER%

RSld. -% # yFARs SINCE:

R51e.

R51f.

About (RECIPIENT'S) (TYPE OF BENEFIT). how long (have you, has [he/she] received it? How much is received each month or year-7 Has this benefit been increased wher the cost of living has increased?

pq (5.1 5-Y36

R51g. INTERVIEWER CHECKPOINT (SEE HHL UPDATE, ITEM #l)

l.R MP.RIED l.R IlAP.RIED

n2%A% I L-l GO TO R51.

R51h. If (RECIPIENT) were to die, what percent of this benefit would (you/your husband/ your wife)continue to receive or VOUl~ the benefits stop?

97. OTHER: -I

I I 191. R5lj. GO BACK TO R51d

FOR NEKT BENEFIT OR TURN TO P. 100, R52

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

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

99

FIFTH BENEFIT SIXTH BENEFIT

‘-

FOR NEXT BENEFIT FOR NEXT BENEFIT

R52. Have you (or your [husband/wife]) ever received a cash settlement from a pension or retirement plan of a previous job?

R52a

R52b. FOR EACH SEl-X?X.~:~T was it received?

Cash settlement #2

Cash settlement #3

Cash settlement #4

Cash settlement ~5

b-.----- R53. Now I want to

earned rights ask about future pension benefits that you (and your[husband/wife]) have to. Aside from Social Security and any pension benefits you have already

How many different cash settlements have you (or your (husband/wife]) received?

X CASH SETTLEKENTS

Who received it. about hov much was received. and when

RSZb R52c R52d

Kt!Q - s

told me about, do you (and your [husband/wife]) w to receive any (other) pension benefits in the future from any past jobs?

Il.,YESI e ypo{ ~--X-URN TO P. 102. SECTION T

TUP.N TO P. 10la. R53a

101

THIS IS A BUNK PAGE

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

future?

X FUTURE BENEFITS l2E.l , R53b. About (this/the largest/the

next) benefit, is this from a pension plan where a certain amount of money is accumulated in an account for you, a formula plan that will give you a specific amount of income each month or year when you retire. or what?

R53c. How much is in the account FVSd?

R53d. Is this part of an IRA, Keogh. or pension I recorded earlier? (Which?)

R53e. Is this benefit based on - earnings (or your [husband's/wife's] earnings)?

R53f. When do you expect these benefits to start?

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

R53h. INTERVIEWBR CHECKPOINT (SEE R53a)

I

I

COLUMN A

GO TO R53d

$sjoq

1. YES, IRA/KEO

2. YES, PENSION

5. NO 5105

7. OTHER: -?%a

AT AGE s?O7

OR IN YRS

cl

1. NORB THAN 1 BENEFIT GO BACK TC

57@53b, C0L.B

cl 2. ALL OTHKRI

TURN TO P. 102 SECTION T

I

COLUHN B

l-=J--l

GO TO R53d

$ z712

L. YES, IRA/KEO

2. YES, PENSION

5. NO 571-3

. YES, IRA/ICE0

YES, PENSI?=

NO %-)LI

7. OTHER: OTHER:

t ‘P

1

2

5

1

2

7

. $.

I [

7

AT AGE flI< AT AGE 7727

OR IN YRS

OR IN YRS

;R& PgRr717

1. now?, THAN 2 BFXEFITS GO BACK TC

57jjR53b. C0L.C 1 1.noRE THAN 3 BENEFITS

GO BACK TO )‘LL R53b. C0L.D

2. ALL OTHERS TUTU4 TO P. 102 SECTION T

2. ALL OTHERS TURN TO ,, P. 102 .:~ ,,~ SECTION A,'

COLunN c

GO TO R53d

$ 57to

I

101b

COLUMN D

GO TO R53d

COLUMN E COLUMN F

s-lx

GO TO RS3d GO TO R53d

1. YES, IRA/KEO

2. YES, PENSION

5. NO s-72=, 5. NO 937 15. NO C7q5

7. OTHER:

1. R ] 1'. R )

AT AGE =3[ AT AGE %-3=j AT AGE cN7

OR OR OR IN YRS IN YRS IN YRS

0 1. MORE THAN 1 1. MORE THAN 4 BENEFITS 5 BENEFITS GO BACK TO GO BACK TO

--t R53b, C0L.I t?7=3b. C0L.F

cl 2. ALL OTHER! 1 2. ALL OTHERS NEXT PAGE, NEXT PAGE,

SECTION T SECTION T

NEXT PAGE, SECTION T

I

SECTION T: INCOWE

We have talked about various sources of income. Now we would like to get the overall picture of all the different .sources of income that you (and members of your family living here) had m. Did (you/anyone) have income from waees and Salaries. including bonuses, overtime and commissions? (RECORD IN COLUMN Tl AND ASK T2 FOR EACH SOURCE OF INCOME AS IT IS MENTIONED.)

I’“: EOYSKO:N ( ); 1 NO yEs

(5) (1)

T2. In total. how much income from (SOURCE).did you (and your family) receive in 1988. before deductions for taxes and anything else? [WRITE LOSSES ( ).I

Tla

Tlb

Tic.

Tld.

Tle.

Tlf.

Tlg.

Tlh.

Tlj.

Tlk.

Tim.

Tln.

WAGES AND SAlARIES?

Did (you/anyone) have income or loss from a professional practice, business

or farm? (Other than wages or salaries)

. ..non-taxable investments such as municipal bonds?

. ..other interest income?

. ..dividends?

. ..net gains or losses from the sale of stocks, bonds, or real estate?

. ..net rent. trust income, or royalties from any other investment or business?

unemployment or worker's compensation?

. ..child support or alimony?

k 8

Did (you/anyone) have income from ADC AFDC, food stamps, or other forms of velfare or assistance, such as SSI?

. income from Social Security or other pensions, annuities, or other 0 disability or retirement programs?

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

i

-28

+iazc

5327

103 T3. How much was the total income you (and your family living here) received in 1988

from all sources, before taxes and other deductions were made?

S sx29 GO TO T5

T4. Did you (and your family living here) receive more than $30,000 in 1988?

r4a. Was it $50,000 or more?

GO TO T5 r4b. Was it $100,000 or more?

r4c. Was it $250,000 or more?

I -X0 TO T5<l

T4d. Was it $5,000 or more?

Tli'qqF

T4e. Was it $10,000 or more?

T5. During 1988. did you (or anyone in your family living here) m any alimony or child support?

--> NEXT PAGE, T6

T5a. Altogether. hov much alimony and/or child support did you (and your family) pay in 1988?

104 T6. During 1988, did you (or anyone in your family living here) provide any (other)

financial support for relatives or friends who do not live here7

T6a. How much support did you (and your family) pay?

$ c;asq

T6b. To whom was this support given? (Anyone else?) (CHECK ALL TRAT APPLY.)

T7. Did you (or your (husband/tiife]) file or do you expect to file a 1988 Federal Income tax return?

5. NO 7. REFUSED 8. DON'T KNOW

I I I

NEXT PAGE, TB

r7a. INTERVIEWER CHECKPOINT--SEE HHL UPDATE, ITEM Yl

1. R %AP.RIED

q 2. ALL OTHERS---X0 TO T7c

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

r7c. Did you (or your (husband/wife]) file a Schedule C. E or F vith your return? (CHECK ALL THAT APPLY.) (IF R ASKS: SCHEDULE "C" IS FOR BUSINESS INCOKE. "E" IS FOR TRUST AND

r7d. Approximately what "as your (and your [husband's/vife's]) total adjusta gross income (AGI) on your 1988 return7 (What do you think it will be?)

105 T8. NOW I'd like to ask you some questions about your (family's) income in previous

years. How much was rhe total income you (and your family living here) received in 1987 from all sources, before taxes and other deductions were made?

$ sas2 GO TO T10

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

TlO.

r9a. was it $50,000 or more?

7yypJyGq

I9b. Was it $100,000 or more?

~~~o~~\

I9c. Was it $250,000 or more?

How much was the total income you (and your family living here) received in 1986 from all sources, before taxes and other deductions were made?

$ s as-r NEXT PAGE T12

1 DON',' KNOW 1 ( REFL'SED ]

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

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

4w

llb. Was it $100,000 or morel

pLpTTT1

UC. Was it $250,000 or more?

lld. Was it $5,000 or more?

TTTT

lie. Was it $10,000 or more?

Tpq,F

llf. Was it $20,000 or more?

106 T12. During eirher 1986 or 1987, did you (or anyone in your family living there) ret,

any income from ADC, APDC. SSI, or other public assistance?

~‘I'-"s I 5. NO

Tl3. During w 1986 or 1987. did you (or anyone in your family living there) receive any worker's compensation of unemployment benefits?

sasl [YESJ I 5. NO

Tl4. During w 1986 or 1987. did you (or anyone in your family living here) receive any financial support from relatives or friends vho do not live here, or receive any alimony or child support payments?

m 1. YES

"is

0 5. NO --> GO TO T15

T14a. Altogether. about how much such support did you (and your family) receive in 1986 and 1987?

$ s-ass

T15. During w 1986 or 1987, did you (or anyone in your family living here) provide any financial support for relatives or friends who do not live here, or w any alimony or child support?

1. YES

v

58&a I 5. NO --> NEXT PAGE, SECTION X

T15a. Altogether, about how much such support did you (and your family) provide in 1986 and 1987?

107

SECTION X: CBARITY AND INTER-FAXILY TRANSFERS

Have you (or your [husband/wife]) ever received an inheritance. or been given substantial assets in a trust or in some other form?

-->NEXT PAGE, X9

x2. How many of these have you (or your [husband/wife]) ever received?

sw- tt OF INHERITANCES, TRUSTS, OTHER TRANSFERS

X3. (Thinking about the [largest/next largest] of these) was that an inheritance, a trust, or what? (CHECK ALL TRAT APPLY.)

x4. mat was its approximate value at the time it was received?

X5. In what year was it received?

X6. From whom was it received?

/

X7. INTERVIEWER CHECKPOINT (SEE X2)

INHERITANCE * 1 INHERITANCE 4 2 INHERITANCE # 3

1. INHERITANCE 1. INHERITANCE 1. INHERITANCE

2. TRUST 2. TRUST 2. TRUST

7. OTHER s-703 7 OTHER Lw2 7. OTHER

?a-?'3

I $ SO? I $ svy I [DON’TKNOW] IWN’TI IWN’IL(NOUI

01. CRNDPRNT 01. GFNDPF.NT 1 01. GP.NDPRNT

02. PARENT 1 02. PARENT 1 02. PARENT 1

03. CHILD 03. CHILD 03. CHILD

04. AUNT/UNCLE 04. AUNT/UNCLE 04. AUNT/LTNCLE

05. SIBLING 05. SIBLING 05. SIBLING

06. FRIEND 06. FRIEND 06. FRIEND

97. OTHER: _ 97. OTHER: _ 97. OTHER: _

s3rr ftrc

01. Oll;{;NBl /-J. ~~T2pINHl q 1. o;LYT3pnDll 2. ALL OTHERS

GO BACK TO 0 ,.%%iHEhS

GO BACK TO 02. &?J$S

X3, COL #2 x3, COL x3 XS

108

X8. How much altogether were any others you have received?

$ 5918

x9. Do you (or your [husband/wife)) eqaect to receive a substantial inheritance or transfer of assets in the future?

sqf‘j 1. YES

P X9a. Is that likely to involve a

vhat? large amount of money, a moderate amount, or

X9b. 1WF.R: RECORD Al&NT IF R VOLUNTEERS IT: $ Sszr

X10. During 1988, did you (or anyone in your family living here) make charitable contributions of money or property totaling $500 or more?

XlOa. Roughly, how much did (you/your family) contribute?

$ s-it3

x11.

s4 24i

x12.

Some people think it is important to leave an estate or inheritance to their surviving heirs, vhile others don't. Which is closer to your (and your [husband's/wife's]) feelings? Would you say It is very important, important. somewhat important. or not important?

j'll!zzqzq~/~]

Do you (and your (husband/wife]) expect to leave a sizeable cstete to others?

I I II <szs,'. ""J 15. 13. POssIgLY~

109 SECTION V: CHANGES IN FAMILY FINANCES

Now I'd like to ask you some questions about the changes in your (family's) finances over the past several years. Since January 1983, have you (or anyone living here) bought or sold a home that was your primary residence?

--> TLRN TO P. 111. V2

Vla. Did you only buy. only sell, both buy and sell. or what?

NEXT PAGE, Vlb

I

BOTH BOUGHT AND SOLD OR ONLY SOLD

110 Vlb. In what month and year did you most recently & a home?

+3/6oo*

MONTH/YEAR

UC. What was the selling price?

$ 46)s

Vld. And when did you buy that home?

6606/6007 MONTH/YEAR

Vle. What was the purchase price?

Vlf. Since January 1983, primary residence?

have you &xJ any other home that was your

->NEXT PAGE, V2

Vlg. In what month and year was this other home sold? (IF MORE THAN ONE, RECORD MOST RECENT SALE)

Vlh. What was the selling price?

$ 6012

Vlj. And when did you buy m home?

Vlk. What was the purchase price?

.._ __j

111 v2. Since January 1983, did you (OK anyone in your family living here) make any major

addition* or home improvements to a primary residence that you owned? (Do not count general maintenance or upkeep.)

V2a. What was the dollar co*t of these additions and improvements. plus the value of any work you may have done yourself?

$ 6afJ

USE CARD B v3. No Question

v4. Since January 1983. have you (or enyone in your family living here) & any real estate other than your principal residence. such 8s * vacation home, land. or rental or investment property?

Have you bouahc any such real estate properties since January 19837

&'I! II.1 [5.-->NEXT PAGE, V6d

GO TO V5a

V4b. How many such real estate properties have you sold since January 1983?

6020 X PROPERTIES SOLD--->NEXT PACFjV6

v4c. In what month and year did you sell that property?

V4d. About how much did you sell it for?

4% _/60tl YEAR

vs.

6W-i

USE CARD B

Have you also bought any such real estate properties since January 19837

I

1. YES cs1 cl 5. NO --->NF.XT PAGE V7

V5a. About how much in total did you pay for this real estate?

$ 6e%- i i,,r,,,

USE CARD B

NEXT PAGE, V7

112

I

V6. Did you also & any real estate of this sort since January 1983?

66~ [El PI---> Vba. About how much in total was the dollar value of the real estate you & since January 1983?

GO TO V6b $ 60227

USE CARD B

GO TO '37

V6b. Overall. was the dollar value of the real estate you bought

equal, or what?

V6c. Roughly, about how much (more/less) did you buy than you sold?

$ 6027

/ USE CARD B

1 GO TO V? 1

V6d. INTERVIEWER CHECKPOINT

SEE El&, P. 31

&30 1. R ANSWERED "YES" - OWNS REAL ESTATE

2. R ANSWERED "NO"-->NEXT PAGE, V8

v7. Since January 1983, did you (or your family living here) make major additions or improvements to any real estate properties that you own? Do not cwnt general maintenance or upkeep.

(50Tf 1. YES

cs1 I 5. NO --> NUT PAGE V.3

V7a. What was the dollar cost of these additions and improvements. plus the value of any work you may have done yourself?

USE CARD B

113 V8 Since January 1983. have you (or your family living here) put personal funds into a

privately held business, professional practice, partnership or farm that you om or share ownership in?

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

USE CARD B

V9. Since January 1983. have you (or your family living here) sold part or all of any interest in a privately held business. professional practice. partnership, or farm?

V9.a. Altogether, about how much did you (or your family living here) sell your interest for? (What was the selling price?) (IWER: WE WANT THE PRICE THE BUYER PAID.)

$ 603-C

F!--kiF USE CARD B

V9b. In what month and year did you sell that? (MOST RECENT SALE, IF MORE THAN ONE.)

6037 / 6a38 MONTH,'YFXR

VlO. Since January 1983, have you (or anyone in your family living here) put money into or taken money out of any IRA or Keogh accounrs?

&34 1. YES

cJ7

I 5. NO --> NEXT PAGE Vll

VlOa. Did you (or anyone in your family) put money in or take money out?

&qo I'";'" "1 PII--4NEXT PAGE Vll

VlOb. Altogether. about how much did you (put in/take out)?

$ 60‘t/

USE CARLI B

I

114 Vll. Not counting any IRAS. Keoghs or pension accounts, since January 1983, have you (OK

anyone in your family livin; here) w any shares of stock in publicly held corporations. or put money into mutual funds, managed investment eccounts or tfus:s, including any automatic reinvestment?

erz I1.;IyEsJ 15. --X0 TO V15

VU. Did you (or your family living with you) also sell or cash in any such assets?

6ocOm X0 TO Vl4

v13.

&4c(

--f- Did you buy more or sell more--that Is. overall, did you put money into stocks, mutual funds, managed investment accounts or trusts. take money out of them, or In about as much as you took out?

V13a. About how much more money did you (or your family living here) (put in/take our)?

$ 6oW

USE CARD B

NEXT PAGE, V16

Put

V14. Altogether, how much money (including any automatic reinvestment) did you (or your family living here) put in?

$ qoq6

USE CARD B

(NEXT PAGE, VI,]

V15. Since January 1983, have you (or anyone in your family living here) & any shares of stock in publicly held corporations or taken money out of any mutual funds, managed investment eccounfs or trusts?

&r(7 [Fj 15. -->NEXT PAGE V16

V15a. Altogether. how much money did you (or your family living here) get from that

115 V16. Since January 1983 have you done any work for pay?

-->NF.XT PAGE, V18

Not counting IRAs or Keoghs, have you been included in any employer-sponsored pension or retirement plan, or in sny tax-deferred saving plan. since January 1983?

,..

V17s.

6lot

V17b.

V17d.

V17e.

V17f.

V17g.

V17h.

V17j.

V17k.

1. YFS 7 I 5. NO -->NEXT PAGE, V18

Have you contributed to any of these plans, such as by having money deducted from your pay? (INCLUDE CONTRIBUTIONS THROUGH UNION DUES OR OTHER SOURCES)

1. YES

v

1 5. NO -->NEXT PAGE, V18

For each year beeinnina with 1983, about what percent of pay or amount of money per month or year have you contributed to these plans?

Altogether during this period, about how much would you guess?

I 610’4 8 OR b0, PER 6,oG

I (About vhst percent of pay or amount of money per month or year have you contributed...)

First, in 1983? 610-I _$ OF PAY AND/OR $ 6fc-b __ PER 6i"?

in 1984? LllO _$ OF PAY AND/OR $ bi ii PERm

in 1985? CL% OF PAY AND/OR $ 6tiv PER6ltI:

.,. in 1986? 6=, OF PAY AND/OR $ 61(7 PER&

in 1987? 611f $ OF PAY AND/OR $ 6120 PER-1

in 1988? 6&t OF PAY AND/OR 55173 PER6lZy

in 1989? &I&_% OF PAY AND/OR $ 6126 PER&

116 V18. INTERVIEWER CHECKPOINT

6~=~~

V19. Since January 1983 has your (husband/wife) done any work for pay?

6i2.4 1. YES

cfl

I 5. NO -->NEXT PAGE, V20

V198. Not counting IRAs or Keoghs, has (he/she) been included in any employer- sponsored pension or retirement plan, or in any tax-deferred saving plan, since January 19837

61 3all. 15.~->NEKT PAGE, v20

V19b.

6(3r

v19c.

V19e.

V19f.

v19g.

V19h.

VlQj.

VlQk.

Has (he/she) contributed to any of these plans. such as by having money deducted from (his/her) pay7 (INCLUDE CONTRIBUTIONS THROUGH UNION DUES OR OTHER SOURCES)

1. YES

Fyv I 5. NO :->NEXT PAGE, V20

0 ac ear beninnine virh 1983, about what percent of pay or amount of money per month or year has (he/she) contributed to these plans?

6,s~ II -->V19d. Altogether during this perio'

about how much would you guess.

6133 $ OR 6139 PER &?'(

OR $ USE CARD B, IF NECESSARY

1 (About what percent of pay or amount of money per month or year has (he/she)-conr~ibuteb.:.)

First. in 19837 &.&O OF PAY AND/OR $ dir-, PER a32

. . . in 19847 _I OF PAY AND/OR $ 6f& 6137 PER 'I'(

. . . in 1985? 3a8 OF PAY AND/OR $ w d/q7 P=m(i

.I. in 1986? 6IL(c _I OF PAY AND/OR $ L/l/L PER 6147

. . . in 1987? 6&t OF PAY AND/OR $ $/(rs PER~[~O

. . . in 1988? u% OF PAY AND/OR $ & r;t PERm

in 1989? mt OF PAY AND/OR $ 6fsa PER 6(.G6

Ei NONE

) NONE 1

117 v20, Sometimes changes in a family's savings or assets are due to people joining or

leaving the family. Was there anyone living with you in 1983 who doesn'r live with YOU now and who took $5.000 or more in assets or debts awav with them? (IF R ASKS: DO NOT INCLUDE SPOUSE)

GO TO V21

vzoa. Altogether, vhat is the total dollar value of assets that were removed that way?

$ 62a-L

USE CARD B

V20b. Altogether, what is the total dollar value of debts that were removed that

v22.

6%

way?

$ 6203

USE CARD B


;EE HHL UPDATE, ITEn 9a

1. R LIVES ALONE-->NEXT PAGE, V26

2. ALL OTHERS

Is there anyone in your 1983 and who had $5.000 family? (IF R ASKS: DO

family living with you now who has joined the family since or more in assets or debts at the time they joined the NOT INCLUDE NEW SPOUSE)

1. YES

9

I 5. NO --> NEXT PAGE, V26

V22a. Altogether, what is the total dollar value of m that were brought into the family in that vay?

$ <2N.

USE CARD B

V22b. Altogether, what is the total dollar value of debts family in that way?

$ 6207

USE CARD B

that were brought into the

V26. Since 1983, have you (or your [husband/wife]) or any of your children attended college or trade school?

cl 5. NO -->NEXT PAGE, V2g

V2ba. Did you attend school, (did y our [husband/wife]), or did your children? (CHECK ALL THAT APPLY, AND ASK ALL. FOLLOWUP QUESTIONS)

6zb 62u A. RESPONDENT

6212

6213

V26b. Did you get a degree?

1. YES

7 cl 5. NO -X0 TO V27

V26c. What degree did you earn? (What was the highest?)

II./)]

~MA/EIBAI/-GG-Gq~]

7. OTHER: I

4 GO TO V27 I I

1 12bd. Did your (husband/wife) ger

J26e. What degree did (he/she) earn? (What was the highest?)

U-IO TO V27

7. OTHER: 62(!:

V27. How much in& did you (and your [husband/wife]) personally have to pay for al! these college or trade school expenses since 1981, including any loans you may hay taken out?

I

V28.

v29.

674

v30.

62u

V3L.

119 Since 1983 did you (or your [husband/wife]) pay any (other) cuitian expenses for a private or parochial school far anyone?

1. YES

7

62L-J c 5. NO --> GO TO V29

V28a. In total. how much did you pay for private or parochial school tuition expenses during that period?

$ 6213

Now I have some questions about the past three vears, During the past three years. have you (or anyone in your family living here) purchased any kind of vehicle---car. truck. van or motorhome, boat or airplane, not including vehicles owned by a business or any leased vehicles?

1. YES

'fl

t7 5. NO --X0 TO V30

V29a. About how much in tacal was the purchase price of these vehicles?

$ 622b

During the past three years have you (or anyone in your family living here) made purchases totaling $3,000 or more for any furniture, appliances, or recreation items?

1. YES

cs

j 5. NO --X0 TO V31

V30a. About how much did these items cost in total?

s cttz

During the past three vears did you (or anyone in your family Living here) have a major illness or disability which required hospitalization or cost more than $l,OOO?

1. YES Lz2-J

7

0 5. NO --> NEXT PAGE, V32

V31a. Not including the costs paid for by insurance, during the past three years how much in total did you (or anyone in your family living here) personally have to pay for expenses related to such illnesses or disabilities?

120

v32. During the past three wars. did you (or anyone in your family living here) have unusually large expenses that you paid for yourself, such as a child's marriage, lawsuit, or any other large expenses you have not mentioned already?

1. YES 62x.?

7

0 5. ND --> GO TO V33

V32a. What was that expense for? (Were there any other unusually large expenses?)

6226

v33.

6~2q

V32b. How much did it cost you in total (for all these expenses)?

During the past three years. did you (or anyone in your family living here) receive any unusually large amounts of money or property, such as an insurance or legal award, winning the lottery, or any other unusually large financial benefits that you have not already mentioned?

1. YES

7

0 5 NO -->NEXT PAGE, SECTION Y

V33a. From what source did you receive this money or property? (Were there any u~ner sources?)

V33b. How much did you receive in total from (this/all these) source(s)?

..,

121 SECTION Y: RESPONDENT DEl4OGRAPHICS

/ Yl. Now I'd like to ask some questions about your family living elsewhere. Altogether, including children from previous marriages and adopte' children, how many sons and daughters do you (or your [husband/wife]) have who do m live with you?

I # CHILDREN

-7-

rFLFj ---X0 TO Y2

Yla. How many of them are 25 or older?

63a 1 #25orOLDER 195.1 196.1

GO TO Y2

!Ylb. And how many of them are less than 18 years old?

6303

Y2. How many living brothers and sisrers do E have?

# BROTHERS/SISTERS G-/NONE0 TO Y3

J I 1

Y2a. How many are older than you?

630s tt OLDER

Y3. Now I'd like to ask about your parents. ,I. rS, 63~6 ~',, ~ Fur moth=living?

Y3a. What is her age?

djO7 AGE

Y3b. Is your father still living?

GO TO Y4

Y3c. What is his age?

AGE d-J&q

Y4. Are you American Indian, Asian, Hispanic, black, white, or another race?

122

I

Y5. Now I'd like to ask you about your health; would you say your health is excellent. . fail-, or poor?

65\\ (,.I plpTAIRJ14.118.DKJ

Y6. INTERVIEWER CHECKPOINT:

SEE RRL UPDATE, "DATE OF LAST IV"

1. R WAS INTERVIEWED IN '86

2. AU. OTHERS -->TURh' TO P. 133. Wl

432

Yba.

63\3

Y6b.

63(Y

J INTERVIEWER CHECKPOINT: CURRENT MARITAL STATUS

SEE HHL UPDATE, ITEM #l

SPOUSE AWAY TURN TO TURN TO TURN TO IN SERVICE P. 127. Y9 P. 130. t-10 P. 131, Yll P. 132. Y12 llJRN TO

I P. 143, Y2!

,INTERVIEWER CHECKPOINT

SEE HHL UPDATE, ITEW #2

q 1. R MARRIED TO ME PERSON AS IN 1986-->TLIRN TO P. 142. Y17

2. R JURRIED TO PIFFERENT PERSON THAN IN 1986

3. ALL OTHERS --> TURN TO 9. 125, Y8

Y NRXT PAGE, Y7

123 CURRENTLY MARRIED TO DIFFERENT PERSON THAN IN 1986

Y

‘7 In what month and year did your current marriage begin? 6315 C3lL MONTH / YEAR

'7a. We are interested in how changes in marital status affect people's financial well-being. At the time of your marriage, about how much did your (husband/wife) have in assets?

$ 63(7 -

'7b. At that time, about how much did (he/she) have in debts?

I NONE ‘7.2. NO QUESTION 7d. NO QUESTION

762. In what month and year did your previous marriage end?

'7f. Did that marriage end in divorce or were you widowed?

[ 5. WIDOWED 163~1

I 7g. At the time of your

(husband's/wife's) death, were any a*set* given to charities or to anyone not living with you now?

63LZ 1. YES

7 0 5. NO ->NE.XT PAGE,

Y7j

Y7h. About how much was that?

$ 6323 NEXT PAGE, Y7j

I

1 (1. DIYORCE;]

At the time of your divorce, was there a division of assets?

7

I

63 26 1. YES 5. NO -->NEXT PAGE, Y7q

What was the total dollar value of the assets that vou retained. including your share of the financial assets. the home and other real e.state and any other property that you received?

$ 652-j NEXT PAGE, Y7p

I

. .._.i

I

124 CURRENTLY MARRIED TO DIFFERENT PERSON THAN IN '86

.___ __ -____-_-se-

Ylj Did you receive any settlements from life insurance on your (husband/vife)?

* TURN TO P. 141, Y13

lk. About hov much was that?

I _ Y7

x

6’

________.__ _ ____-.- - p. What was the total dollar value of the

assets &rit your Cex-husband/ex-wife1

7q. Were you required to pay alimony. were you supposed to receive alimony, or was no alimony involved in the Settlement?

3zyI:_

‘r. Did you receive custody of your children. did your former (husband /wife) receive custody. do you have joint custody. or were no children Involved in the settlement?

J?TFE

Is. Were you required to pay child support. were you supposed to receive child support, or was child support nor involved in rhe sertlement?

>TURN TO P. 141. Y13< I

125

CURRENTLY MARRIED: NO SPOUSE PRESENT IN ‘86 1 YE.

Y8a.

YBb.

YBC.

633

YBd.

YBe

In what month and year were you and your (husband/wife) married?

6331/~333 MONTH / YE.AR

We are interested in how changes in marital status affect people's financial veil-being. At the time of your marriage, about how much did your (husband/wife) have in assets?

At this time, about how much did (he/she) have in debts?

Altogether, how many times have you been married, including your current marriage?

P. 141,YU ” v

In what month and year did your previous marriage end.

INTERVIEWER CHECKPOINT

IYBf,

1. LAST NARRIAGE ENDED BEFORE '83 -->TURN TO P. 141. Y13

2. ALL OTHERS 4 Did that marriage end in divorce or were you widowed?

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

G3qI

1. About how much was that?

NEXT PAGE, Y8.j I

4. DIVORCED P Em.

Bn.

At the time of the divorce, was there a division of assets?

ylb3p--> NEXT PAGE, Ygq

What'vas the total dollar value of the assets that YOU retained. including your share of the financial asset*. the home and other real estate and any other property that you received?

s 6346 NEXT PtCE, Y8p _ _ _y_____.__________

126 CURRENTLY MARRIED: NO SPOUSE PRESENT IN 1986 r-

Y, 8k. About how much "as that7

._ _ _ _ _ _ ___-_ ----. usj. Did you receive any settle-

ments from life insurance on your (husband/vife)?

634T-g pJ

9 TURN TO P. 1111, Y13

_ Y

I 8~

_-_-_ -_____ _._ ..-- - What was the total dollar value of tht assets & (ex-husband/ex-wife1 at Y our retained?

$ 63rlT

'8q. Were you required to pay alimony, were you supposed to receive alimov or was no alimony involved In the settlement7

"'"I::

'8r. Did you receive custody of your children, did your former (husband /vife) receive custody, do you have joint custody, or were no children

3yg involved in the settlement?

>TURN TO P. 141, Y13<

‘8.5. Were you required to pay child support. were you supposed to receive

-child support. or was child support not involved in the settlement?

-_,

.,a: :_ ,!,.

I -,,r

5pp CURRENTLY LIVING WITH PARTNER

I

127 Y9. In what o rh and year did you .start living with your partner?

64cJP6c(O2 MONTH~YEAR

Y9a. INTERVIEXER CHECKPOINT, SEE Y9

6103

P

1. R STARTED LIVING WITH PARTNER 1983 OR IATER

0 2. ALL OTHERS-->TURN TO P. 141. Y13

Y9b. We are interested in hov changes in living situations affect peoples' financial well-being. At the time you began living together, about how much did your partner have in assets?

$ 6464 (NONEI

Y9c. At this time, about how much did (he/she) have in debts? $ 6Gw

Y9d. Have you ever been married? (to someone else?)

<y& I,'"'I 1_5.-I--->TURN TO 9. 141. Y13

I f9j. When did your (last) marriage end?

Y9k. INTERVIEWER CHECKPOINT

j”l GO TO Y9n

SEE Y9j MARRIAGE ENDED 1983 OR IATER I

,&q ( 0 2. ALL OTHERS -----> TlJRi? TO P. 141, Y13

Y9m. Were yo: widoved or divorced. or are you separated?

CURRENTLY LIVING WITH PARTNER: SEPARATED SINCE 1983

Y9n. Do you receive support from your (husband/vife), do you pay support, or is there no support involved?

I Y9p. How much do you receive7

$ &I7 PER 6% -I

Y9r. Are the assets and debts that you've.told me about in this interview owned mainly by you, are they owned jointly with your (husband/vife). or what?

6$611. OWNED BY Rj 12.1 7. OTHER

I ’ >TlmN TO P. 141, Y13< I

128

CURRENTLY LIVING WITH PARTNER, DIVORCED SINCE 1983

Y9.s. At the time of your divorce. was there a division of assets or property?

6417 1. YES 7

0 5. NO --> GO TO Y9v

Y9t. What was the total dollar value of the assets that, including your share of the financial assets, the home and other real estate and any other property that you received?

$ 640

Y9u. What was the total dollar value of the assets that your (ex-husband[ ex-wife) retained?

$ Mq

Y9v. Were you required to pay alimony. were you supposed to receive alimony, or was no alimony involved in the settlement?

&?,0 II.1 (2.1 15. NO ALIMONY INVOLVED]

Y9w. Did you receive custody of your children, did your former (husband/wife) receive custody. do you have joint custody, or were no children involved in the settlement?

ki 1. R HAS CUSTODY 2. SPOUSE HAS CUSTODY 3. JOINT 5. NO CHILDREN INV

I I I

4 TURN TO P. 141, Y13

Y9x. Were you required to pay child support. were you supposed to receive child support, or was child support not involved in the settlement?

&‘,tt 1. PAY SUPPORTl 12. RECEIVE SUPPORT1

1 ' >TUF?N TO P. 141, Y13<

129 CURRENTLY LIVING WITH PARTNER, WIDOWED SINCE 1983

Y9y. At the time of your (husband's/wife's) death, were any asset* given to charities or to anyone not living with you now?

--> GO TO Y9aa

Y9z. About how much was that?

$ 6’iz’i

Y9aa. Did you receive any settlements from life insurance on your (husband/vife)?

--> TURN TO P. 141, Y13

Y9bb. About how much was that?

$ Lqzs TURN TO P. 141. Y13

I

130 CURRENTLY SEPARATED ,

‘10. In what month and year were you separated?

MONTH// YEAR

!lOa. In what month and year did that marriage begin?

110b. INTERVIEWER CHECKPOINT, SEE YlOa

1. LAST MARRIAGE BEGAN 1983 OR L4TER

2. ALL OTHERS --> GO TO YlOe $ I

YlOc. We are interested in how changes in marital status affect peoples' financial well-being. At the time of your marriage, about how much how much did your (husband/wife) have in assets?

YlOd. Af this time, about how much did (he/she) have in debts?

$ 6Y33 cl NONE

110e. DO you receive support from your (husband/wife), do you pay support, or is there no support involved?

YlOh. Are the assets and debts that you've told me about in this interview owner mainly by you. are they owned jointly with your (husband/wife), or what?

$ &37 PER 6q3a

TURN TO P. 143, Y25

131

CURRENTLY DIVORCED

(11. In what month and year were you divorced?

Illa. In what month and year did that marriage begin? wz Qu3

MONTH ,'kFAR

Illb. INTERVIEWER CHECKPOINT, SEE Yll

0 1. R DIVORCED IN 1983 OR IATER

6’4’4’4 1 o 2. ALL OTHERS -->TURN TO P. 143, Y25

Yllc. At the time of your divorce, was there a division of assets or property:

(,q$' (1.1 j5 --> GO TO, Yllf

Ylld. What was the total dollar value of the assets that vou retained, including your share of the financial assets, the home and other real estate and any ocher property that you received?

Ylle. What was the total dollar value of the assets that your (ex-husband/ ex-wife) keDt or retained?

$ 6%

Yllf. w ere you required to pay alimony, were you supposed to receive alimony, or was no alimony involved in the settlement?

(,'iqi'E, m 121 15. NO ALIMONY INVOL"EDI

Yllg. Did you receive custody of your children, did your former (husband/wife: receive custody, do you have joint custody, or were no children involve( in the settlement?

1. R HAS CUSTODY 2. SPOUSE HAS CUSTODY 3. JOINT 5. NO CHILDREN INV

~~Gz~&z

illh. Were you required to pay child support, were you supposed to receive child support, or was child support not involved in the settlement?

ITlJFU TO P. 143. Y251

I

132

CURRENTLY WIDOWED

!12. In what month and year were you widowed? 6~ /6ys-~

HONTH'/ YFAR

i12a. In what month and year did that marriage begin? &-3/erv

MONTH / YEAR

YlZb. INTERVIEWER CHECKPOINT, SEE Y12 1 kqsy lg WIDOWED 1983 OR IATER

2. ALL OTHERS -->TuRN TO P. 143, Y25 I I

4 !12c. At the time of your (husband's/wife's) death, were any assets given t0

charities or to anyone' not living with you now?

;yfi II-1 15.~-> GO TO Y12e

4 112d. About how much was that? $ 6vr7

112e. Did you receive any settlements from life insurance on your (husband/wife)?

cl 5. NO -->TUP,N TO P. 143, Y25

Y12f. About how much was that?

-[TURNTO P. 143. Y251

133

SECTION YY: RESPONDENT DEHOGRAPHICS (FOR R'S NOT INTERVIEWED IN '86)


!E HHL UPDATE, ITEM #l

SPOUSE AWAY P. 135, W3 P. 136. YY4 TURJ TO

P. 143. Y25

J CURRENTLY MARRIED

Yla. In what month and year were you (last) married?

654 (sa MONTH/YEAR

Ylb. Is this your first marriage or have you been married before?

TURN TO P. 141, Y13

Ylc. Altogether, how many times have you been married, including your current marriage?

Yld. Did any of these marriages end by your being widowed?

--->_ TO P. 138, YY7

Yle. How many?

# TIMES WIDOWED I

osa7 TURN TO P. 138, YY7

for information only household listing history 1983 … · v.?. you r”a~r9.d “h.n w....

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