Descriptives for the United States SCF 1994 LWS file

Descriptives

Descriptive Statistics

	N	Minimum	Maximum	Mean	Std. Deviation
HID household identification number	21495	11	43025	21518.45	12421.752
WGT household weight	21495	1	14650	4606.21	3198.218
CTRY country and year id	21495	227	227	227.00	.000
HRSH hours worked head	21495	0	0	.00	.000
HRSS hours worked spouse	21495	0	0	.00	.000
HRS2H hours worked at main job head	21495	0	140	33.31	23.661
HRS2S hours worked at main job spouse	21495	0	140	13.87	19.890
WKH weeks worked head	21495	0	52	37.03	22.619
WKS weeks worked spouse	21495	0	52	18.45	24.065
AGMH age of mother (head)	12150	35	100	66.24	12.743
AGFH age of father (head)	8592	35	100	65.59	11.748
AGMS age of mother (spouse)	9110	35	100	66.51	12.454
AGFS age of father (spouse)	6188	35	100	65.29	11.460
NOPRS number of persons in household	21495	1	9	2.47	1.339
NOCH5 number of children under 5	21495	0	3	.17	.469
NOCH15 number of children under 15 (<=14)	21495	0	8	.56	.985
NOCH18 number of children under 18	21495	0	8	.68	1.083
NOPRS65 number of persons over 65	21495	0	3	.31	.629
NOERN number of earners	21495	0	2	1.15	.684
INH1 inheritance bequest 1 received ($)	5802	-1	47000000	286769.97	1774656.166
INH2 inheritance bequest 2 received ($)	1920	-1	17500000	161730.94	1028138.566
INH3 inheritance bequest 3 received ($)	478	50	1200000	50922.97	151996.653
INH4 remaining inheritance bequest received ($)	158	1	17650000	707566.22	3095718.925
YRINH1 year inheritance bequest 1 received	21495	-8	1995	529.55	884.100
YRINH2 year inheritance bequest 2 received	21495	-8	1995	169.73	567.506
YRINH3 year inheritance bequest 3 received	21495	-8	1995	36.24	293.347
BUS own business (0/1)	6048	1	1	1.00	.000
NHD non-housing debt	12876	1	51660000	109186.34	1521590.989
DA deposit accounts	19532	1	70000000	212935.67	1665529.177
RA risky assets	10865	1	869451000	2330908.18	19706382.676
TB total bonds	6852	30	266951000	1190375.04	7621476.840
ST stocks	6184	1	210550000	1657951.44	9331898.202
TM mutual funds and other investment funds	4560	100	600000000	1516687.70	20245902.769
LI life insurance	8503	1	12000000	129519.11	662542.960
OFA other financial assets	3931	1	89030000	464701.32	3667170.243
PA1 pension assets: private pension accounts/ saving plans	11872	10	53100000	227623.21	1486459.788
PA2 pension assets: annuities and other deferred profit plans	1537	50	75000000	1303000.71	5226548.311
PA3 pension assets: value of pension through employer pension plans	0
PR principal residence	15680	1500	20380000	349118.47	828211.135
IR investment real estate	7068	67	199820000	2016064.15	9114447.949
BA business assets	0
BD business debt	0
BE business equity	6048	-3000	327100000	7187628.86	24803796.163
VH vehicles	18648	400	23984800	34358.74	303087.475
DRCL durables and/or collectibles	5653	10	37538000	527519.78	2604020.888
ONF other non-financial assets	433	10	37500000	791774.00	3689805.403
HSD home secured debt (mg,omg,ohsd)	10736	0	159940000	526290.30	4513833.812
MG principal residence mortgage	9390	0	6310000	132272.77	259562.868
OMG other property mortgage	3357	3	159940000	1304832.67	7952329.013
OHSD other home secured debt	791	5	750000	35256.85	78988.715
VL vehicle loans	5971	1	1691000	11522.22	45045.997
IL total installment debt (inc.credit cards)	9774	1	38640000	45251.15	918512.205
EL educational loans	2121	50	107600	8346.87	13280.783
OL other loans from financial institutions	1506	1	51660000	437137.87	3577726.827
ID informal debt	1088	10	17500000	201071.77	1300282.094
OWL miscellaneous net worth component	4328	-23790770	96131000	1504484.04	5123499.443
TFA1 tot. financial assets d1	19627	1	869646000	1502235.54	15045406.053
TNF1 tot. non-financial assets d1	16312	67	201030000	1209153.94	6320006.875
TNF2 tot. non-financial assets d2	16644	1	422760930	3796833.60	18153151.871
TD total debt	16106	0	159940000	438106.05	3952977.817
TA_CS total assets (ctry)	20609	20	877836900	2748690.49	17574366.258
TFA_CS total financial assets (ctry)	16838	1	873688000	1957382.95	16813747.379
TNF_CS total non-financial assets (ctry)	20252	50	238657200	1169728.83	6410351.018
NW1 net worth d1	20767	-32785000	873349000	2029756.82	15455290.591
NW2 net worth d2	20767	-20276280	873855000	4123019.18	22806857.677
NW_CS net worth (ctry)	20910	-15405580	877406900	2371670.32	16263462.774
FDXP food and non-alcoholic beverages	0
ALCOXP alcohol and tobacco	0
APXP clothing and footwear	0
HSXP housing and utilities	0
EQUIPXP housing equipment	0
MDXP health	0
TRXP transport	0
COMMXP communication	0
CULTXP recreation and culture	0
EDXP education	0
RESTOXP restaurants and hotels	0
MISCXP miscellaneous goods and services	0
TXP total expenditures	0
RIXP actual rents and interest	0
UTXP utilities expenditures	0
OHSXP other housing expenditures	0
MORTXP mortgage installments	0
WAGE WAGES AND SALARIES	16036	50	23960000	137382.49	759174.346
WAGENET NET WAGES AND SALARIES	0
SELF SELF-EMPLOYMENT INCOME	4554	-1000000	75000000	631799.52	3963607.027
CPRI CASH PROPERTY INCOME	11295	-660970	52490630	233095.90	1929412.061
CPRI1 INTERESTS AND DIVIDENDS	10896	1	35541000	193062.54	1691274.685
CPRI2 RENTS	651	12	108000	9355.82	13871.079
CPRI3 PRIVATE SAVINGS PLANS	565	50	6000000	198635.38	754635.995
CPRI4 ROYALTIES	0
CPRI5 OTHER CASH PROPERTY INCOME	1085	-999970	19890000	378699.73	1488213.405
OCCPEN OCCUPATIONAL AND OTHER PENSIONS	0
OCPEN1 OCCUPATIONAL PENSIONS	0
OCPENO OTHER PENSIONS	0
PUBPEN STATE OLD-AGE AND SURVIVORS BENEFITS	0
PUPEN1 UNIVERSAL OLD-AGE AND SURVIVORS PENSIONS	0
PUPEN2 EMPLOYMENT-RELATED OLD-AGE AND SURVIVORS PENSIONS	0
PUPENO OTHER STATE OLD-AGE AND SURVIVORS PENSIONS	0
SOCIBEN OTHER SOCIAL INSURANCE BENEFITS	943	10	22000	3124.35	3875.137
MNSBEN SOCIAL ASSISTANCE BENEFITS	1592	10	22000	3382.90	3711.892
NRCBEN NEAR CASH BENEFITS	0
PRIVTRA PRIVATE TRANSFERS RECEIVED	1043	50	96000	5472.41	11181.568
OTHCINC OTHER CASH INCOME	316	-1000000	863000	22469.40	163128.539
CONTRIB MANDATORY EMPLOYEE CONTRIBUTIONS	16036	8	702354	8848.27	22562.202
INCTAX INCOME TAXES	21495	-2661	32967917	143403.67	1177030.073
WLTHTAX WEALTH/PROPERTY TAXES	15345	1	205000	4068.74	9002.583
INTPD INTEREST PAID	0
INTPDMG INTEREST PAID ON MORTGAGES	0
INTPDOL INTEREST PAID ON OTHER LOANS	0
PTPD PRIVATE TRANSFERS PAID	4873	30	4000000	24358.87	137683.557
GAIN CAPITAL GAINS	4370	-1000000	54550000	204766.48	1996427.101
NCPRI NON CASH PROPERTY INCOME, IMPUTED RENT	0
LUMP LUMP SUM INCOME	480	1	39580000	213012.15	2026098.633
GIFT NON-REGULAR GIFTS	0
EARNH EARNINGS HEAD	15434	10	72310000	212849.07	1470957.552
EARNS EARNINGS SPOUSE	7776	67	28880000	54793.81	668416.606
OCCPENH OCCUPATIONAL PENSIONS HEAD	2793	290	360000	17853.00	25598.739
OCCPENS OCCUPATIONAL PENSIONS SPOUSE	582	240	50400	9881.34	9963.528
PUBPENH PUBLIC PENSIONS HEAD	4053	120	25200	9791.15	5168.467
PUBPENS PUBLIC PENSIONS SPOUSE	1936	630	25000	5930.36	3531.203
PENH ALL PENSIONS HEAD	5395	120	360000	16598.14	20317.305
PENS ALL PENSIONS SPOUSE	2220	600	62400	7762.21	7267.302
EARNW EARNINGS	17322	-1000000	75250000	292799.08	2243080.222
EARNWNET NET EARNINGS	0
FIW FACTOR INCOME	19557	-1650970	76050410	393936.53	2866761.400
FIWNET NET FACTOR INCOME	0
MIW MARKET INCOME	0
MIWNET NET MARKET INCOME	0
TRANS TRANSFER INCOME	0
GIW GROSS INCOME	21335	-1642170	76050410	367069.81	2748733.440
GIWNET NET INCOME	0
LIS_DPI DISPOSABLE INCOME ACCORDING LIS STANDARDS	21490	-17123461	49442293	214578.49	1660077.629
DPIW DISPOSABLE INCOME	21490	-17129161	49430293	206156.83	1652125.721
DPIT DISPOSABLE INCOME + CAPITAL GAINS	21490	-17129161	61445457	247761.56	1983385.685
PRECS AMOUNT NEEDED TO COVER UNEXPECTED EXPENSES	21495	0	117510000	197215.24	2574215.067
HOP1 hhld open slot 1	21495	1	5	3.00	1.414
Valid N (listwise)	0

Frequencies for the United States SCF 1994 LWS file

Frequency Table

SEXH sex of head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 MALE	16960	78.9	78.9	78.9
	2 FEMALE	4535	21.1	21.1	100.0
	Total	21495	100.0	100.0

SEXS sex of spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 MALE	100	.5	.7	.7
	2 FEMALE	14305	66.6	99.3	100.0
	Total	14405	67.0	100.0
Missing	-8	7090	33.0
Total		21495	100.0

AGEH age of head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	17	10	.0	.0	.0
	18	30	.1	.1	.2
	19	55	.3	.3	.4
	20	70	.3	.3	.8
	21	135	.6	.6	1.4
	22	181	.8	.8	2.2
	23	215	1.0	1.0	3.2
	24	300	1.4	1.4	4.6
	25	170	.8	.8	5.4
	26	320	1.5	1.5	6.9
	27	395	1.8	1.8	8.8
	28	400	1.9	1.9	10.6
	29	272	1.3	1.3	11.9
	30	355	1.7	1.7	13.5
	31	345	1.6	1.6	15.1
	32	436	2.0	2.0	17.2
	33	395	1.8	1.8	19.0
	34	345	1.6	1.6	20.6
	35	395	1.8	1.8	22.4
	36	460	2.1	2.1	24.6
	37	430	2.0	2.0	26.6
	38	401	1.9	1.9	28.4
	39	450	2.1	2.1	30.5
	40	501	2.3	2.3	32.9
	41	425	2.0	2.0	34.8
	42	550	2.6	2.6	37.4
	43	445	2.1	2.1	39.5
	44	482	2.2	2.2	41.7
	45	520	2.4	2.4	44.1
	46	567	2.6	2.6	46.8
	47	475	2.2	2.2	49.0
	48	485	2.3	2.3	51.2
	49	340	1.6	1.6	52.8
	50	440	2.0	2.0	54.9
	51	422	2.0	2.0	56.8
	52	490	2.3	2.3	59.1
	53	455	2.1	2.1	61.2
	54	341	1.6	1.6	62.8
	55	335	1.6	1.6	64.4
	56	275	1.3	1.3	65.7
	57	337	1.6	1.6	67.2
	58	355	1.7	1.7	68.9
	59	311	1.4	1.4	70.3
	60	351	1.6	1.6	72.0
	61	320	1.5	1.5	73.4
	62	353	1.6	1.6	75.1
	63	350	1.6	1.6	76.7
	64	300	1.4	1.4	78.1
	65	318	1.5	1.5	79.6
	66	331	1.5	1.5	81.1
	67	326	1.5	1.5	82.6
	68	315	1.5	1.5	84.1
	69	311	1.4	1.4	85.6
	70	271	1.3	1.3	86.8
	71	210	1.0	1.0	87.8
	72	293	1.4	1.4	89.2
	73	246	1.1	1.1	90.3
	74	180	.8	.8	91.1
	75	267	1.2	1.2	92.4
	76	161	.7	.7	93.1
	77	175	.8	.8	93.9
	78	215	1.0	1.0	94.9
	79	205	1.0	1.0	95.9
	80	156	.7	.7	96.6
81	95	.4	.4	97.1
82	105	.5	.5	97.6
83	120	.6	.6	98.1
84	65	.3	.3	98.4
85	55	.3	.3	98.7
86	50	.2	.2	98.9
87	55	.3	.3	99.2
88	35	.2	.2	99.3
89	45	.2	.2	99.5
90	10	.0	.0	99.6
91	30	.1	.1	99.7
92	15	.1	.1	99.8
93	5	.0	.0	99.8
94	15	.1	.1	99.9
95	25	.1	.1	100.0
Total	21495	100.0	100.0

AGES age of spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	17	5	.0	.0	.0
	18	25	.1	.2	.2
	19	20	.1	.1	.3
	20	65	.3	.5	.8
	21	105	.5	.7	1.5
	22	105	.5	.7	2.3
	23	205	1.0	1.4	3.7
	24	160	.7	1.1	4.8
	25	180	.8	1.2	6.0
	26	195	.9	1.4	7.4
	27	170	.8	1.2	8.6
	28	220	1.0	1.5	10.1
	29	300	1.4	2.1	12.2
	30	295	1.4	2.0	14.2
	31	265	1.2	1.8	16.1
	32	270	1.3	1.9	17.9
	33	261	1.2	1.8	19.8
	34	304	1.4	2.1	21.9
	35	335	1.6	2.3	24.2
	36	330	1.5	2.3	26.5
	37	270	1.3	1.9	28.4
	38	310	1.4	2.2	30.5
	39	381	1.8	2.6	33.2
	40	406	1.9	2.8	36.0
	41	375	1.7	2.6	38.6
	42	361	1.7	2.5	41.1
	43	400	1.9	2.8	43.9
	44	355	1.7	2.5	46.3
	45	374	1.7	2.6	48.9
	46	371	1.7	2.6	51.5
	47	352	1.6	2.4	53.9
	48	441	2.1	3.1	57.0
	49	300	1.4	2.1	59.1
	50	320	1.5	2.2	61.3
	51	321	1.5	2.2	63.5
	52	376	1.7	2.6	66.1
	53	330	1.5	2.3	68.4
	54	240	1.1	1.7	70.1
	55	267	1.2	1.9	72.0
	56	201	.9	1.4	73.3
	57	265	1.2	1.8	75.2
	58	265	1.2	1.8	77.0
	59	202	.9	1.4	78.4
	60	231	1.1	1.6	80.0
	61	226	1.1	1.6	81.6
	62	166	.8	1.2	82.8
	63	230	1.1	1.6	84.4
	64	195	.9	1.4	85.7
	65	200	.9	1.4	87.1
	66	177	.8	1.2	88.3
	67	208	1.0	1.4	89.8
	68	151	.7	1.0	90.8
	69	120	.6	.8	91.6
	70	156	.7	1.1	92.7
	71	146	.7	1.0	93.7
	72	121	.6	.8	94.6
	73	96	.4	.7	95.3
	74	90	.4	.6	95.9
	75	109	.5	.8	96.6
	76	55	.3	.4	97.0
	77	105	.5	.7	97.7
	78	56	.3	.4	98.1
	79	75	.3	.5	98.7
	80	30	.1	.2	98.9
81	35	.2	.2	99.1
82	29	.1	.2	99.3
83	10	.0	.1	99.4
84	10	.0	.1	99.4
85	25	.1	.2	99.6
86	20	.1	.1	99.8
87	5	.0	.0	99.8
88	15	.1	.1	99.9
89	5	.0	.0	99.9
92	10	.0	.1	100.0
Total	14405	67.0	100.0
Missing	-8	7090	33.0
Total		21495	100.0

MARTH marital status head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 MARRIED	13360	62.2	62.2	62.2
	3 SEPARATED	675	3.1	3.1	65.3
	4 DIVORCED	2670	12.4	12.4	77.7
	5 WIDOWED	1810	8.4	8.4	86.1
	6 NEVER MARRIED	2980	13.9	13.9	100.0
	Total	21495	100.0	100.0

MARTS marital status spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 MARRIED	13290	61.8	92.3	92.3
	3 SEPARATED	55	.3	.4	92.6
	4 DIVORCED	430	2.0	3.0	95.6
	5 WIDOWED	85	.4	.6	96.2
	6 NEVER MARRIED	545	2.5	3.8	100.0
	Total	14405	67.0	100.0
Missing	-8	7090	33.0
Total		21495	100.0

SMART marital status (standardized)

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 SINGLE NO CHILDREN	5450	25.4	25.4	25.4
	2 LONE PARENT	1640	7.6	7.6	33.0
	3 COUPLE NO CHILDREN	7740	36.0	36.0	69.0
	4 COUPLE WITH CHILDREN	6665	31.0	31.0	100.0
	Total	21495	100.0	100.0

RACEH race/ethnicity of head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 WHITE	12462	58.0	81.8	81.8
	2 BLACK OR AFRICAN-AMERICAN	1488	6.9	9.8	91.5
	3 HISPANIC	571	2.7	3.7	95.3
	4 NATIVE AMERICAN/ESKIMO/ALEUT/ASIAN/PACIFIC ISLANDER/OTHER	719	3.3	4.7	100.0
	Total	15240	70.9	100.0
Missing	System	6255	29.1
Total		21495	100.0

RACES race/etnicity of spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 WHITE	5347	24.9	85.5	85.5
	2 BLACK OR AFRICAN-AMERICAN	411	1.9	6.6	92.1
	3 HISPANIC	315	1.5	5.0	97.1
	4 NATIVE AMERICAN/ESKIMO/ALEUT/ASIAN/PACIFIC ISLANDER/OTHER	182	.8	2.9	100.0
	Total	6255	29.1	100.0
Missing	-8	7090	33.0
	System	8150	37.9
	Total	15240	70.9
Total		21495	100.0

COBH country of birth of head

		Frequency	Percent
Missing	-8	21495	100.0

COBS country of birth of spouse

		Frequency	Percent
Missing	-8	21495	100.0

IMMH immigration status of head

		Frequency	Percent
Missing	-8	21495	100.0

IMMS immigration status of spouse

		Frequency	Percent
Missing	-8	21495	100.0

YSMH years of residence in this country head

		Frequency	Percent
Missing	-8	21495	100.0

EDUCH educational level of head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 1ST GRADE	35	.2	.2	.2
	2 2ND GRADE	20	.1	.1	.3
	3 3RD GRADE	50	.2	.2	.5
	4 4TH GRADE	70	.3	.3	.8
	5 5TH GRADE	80	.4	.4	1.2
	6 6TH GRADE	170	.8	.8	2.0
	7 7TH GRADE	167	.8	.8	2.8
	8 8TH GRADE	558	2.6	2.6	5.4
	9 9TH GRADE	449	2.1	2.1	7.4
	10 10TH GRADE	681	3.2	3.2	10.6
	11 11TH GRADE	759	3.5	3.5	14.1
	12 12TH GRADE	5430	25.3	25.3	39.4
	13 1 YEAR OF COLLEGE	1291	6.0	6.0	45.4
	14 2 YEARS OF COLLEGE	2431	11.3	11.3	56.7
	15 3 YEARS OF COLLEGE	878	4.1	4.1	60.8
	16 4 YEARS OF COLLEGE	4255	19.8	19.8	80.6
	17 GRADUATE SCHOOL	4171	19.4	19.4	100.0
	Total	21495	100.0	100.0

EDUCS educational level of spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	0 INAP. (/NO SPOUSE)	5	.0	.0	.0
	1 1ST GRADE	16	.1	.1	.1
	3 3RD GRADE	30	.1	.2	.4
	4 4TH GRADE	10	.0	.1	.4
	5 5TH GRADE	25	.1	.2	.6
	6 6TH GRADE	100	.5	.7	1.3
	7 7TH GRADE	97	.5	.7	2.0
	8 8TH GRADE	188	.9	1.3	3.3
	9 9TH GRADE	244	1.1	1.7	5.0
	10 10TH GRADE	336	1.6	2.3	7.3
	11 11TH GRADE	355	1.7	2.5	9.8
	12 12TH GRADE	4354	20.3	30.3	40.1
	13 1 YEAR OF COLLEGE	1019	4.7	7.1	47.2
	14 2 YEARS OF COLLEGE	1718	8.0	12.0	59.1
	15 3 YEARS OF COLLEGE	578	2.7	4.0	63.2
	16 4 YEARS OF COLLEGE	3300	15.4	23.0	86.1
	17 GRADUATE SCHOOL	1995	9.3	13.9	100.0
	Total	14370	66.9	100.0
Missing	-8	7090	33.0
	System	35	.2
	Total	7125	33.1
Total		21495	100.0

NOERN number of earners

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	0 NO EARNERS	3692	17.2	17.2	17.2
	1 AT LEAST 1	10968	51.0	51.0	68.2
	2 AT LEAST 2	6835	31.8	31.8	100.0
	Total	21495	100.0	100.0

LFSH labor force status head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	11 WORKER ONLY	14680	68.3	68.3	68.3
	12 WORKER + DISABLED	30	.1	.1	68.4
	13 WORKER + RETIRED	575	2.7	2.7	71.1
	14 WORKER + STUDENT	225	1.0	1.0	72.2
	15 WORKER + HOMEMAKER	90	.4	.4	72.6
	16 WORKER + UNEMPLOYED/LOOKING FOR WORK	110	.5	.5	73.1
	20 TEMPORARILY LAID OFF ONLY	130	.6	.6	73.7
	21 TEMPORARILY LAID OFF, NOT EXPECTING TO RETURN TO JOB AND NO	85	.4	.4	74.1
	30 UNEMPLOYED AND LOOKING FOR WORK	490	2.3	2.3	76.4
	50 RETIRED ONLY	3425	15.9	15.9	92.3
	52 DISABLED ONLY	650	3.0	3.0	95.3
	70 STUDENT ONLY	150	.7	.7	96.0
	80 HOMEMAKER/OTHER NOT IN LABOR FORCE ONLY	440	2.0	2.0	98.1
	96 OTHER COMBINATION INCL. WORKER	75	.3	.3	98.4
	97 OTHER (INCL. COMBINATION) NOT INCLUDING WORKER	340	1.6	1.6	100.0
	Total	21495	100.0	100.0

LFSS labor force status spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	11 WORKER ONLY	7035	32.7	49.0	49.0
	12 WORKER + DISABLED	5	.0	.0	49.0
	13 WORKER + RETIRED	115	.5	.8	49.8
	14 WORKER + STUDENT	75	.3	.5	50.3
	15 WORKER + HOMEMAKER	755	3.5	5.3	55.6
	16 WORKER + UNEMPLOYED/LOOKING FOR WORK	25	.1	.2	55.7
	20 TEMPORARILY LAID OFF ONLY	95	.4	.7	56.4
	21 TEMPORARILY LAID OFF, NOT EXPECTING TO RETURN TO JOB AND NO	45	.2	.3	56.7
	30 UNEMPLOYED AND LOOKING FOR WORK	285	1.3	2.0	58.7
	50 RETIRED ONLY	1115	5.2	7.8	66.5
	52 DISABLED ONLY	250	1.2	1.7	68.2
	70 STUDENT ONLY	70	.3	.5	68.7
	80 HOMEMAKER/OTHER NOT IN LABOR FORCE ONLY	4015	18.7	27.9	96.6
	85 UNPAID VOLUNTEER	40	.2	.3	96.9
	96 OTHER COMBINATION INCL. WORKER	80	.4	.6	97.5
	97 OTHER (INCL. COMBINATION) NOT INCLUDING WORKER	365	1.7	2.5	100.0
	Total	14370	66.9	100.0
Missing	-8	7090	33.0
	System	35	.2
	Total	7125	33.1
Total		21495	100.0

MAH main activity head

		Frequency	Percent
Missing	-8	21495	100.0

MAS main activity spouse

		Frequency	Percent
Missing	-8	21495	100.0

OCCH occupation of head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 MANAGERIAL AND PROFESSIONAL OCCUPATIONS	6707	31.2	42.1	42.1
	2 TECHNICAL, SALES, AND ADMINISTRATIVE SUPPORT OCCUPATIONS	3571	16.6	22.4	64.6
	3 SERVICE OCCUPATIONS	1284	6.0	8.1	72.6
	4 PRECISION PRODUCTION, CRAFT, AND REPAIR OCCUPATIONS	1742	8.1	10.9	83.6
	5 OPERATORS, FABRICATORS, AND LABORERS	2110	9.8	13.3	96.9
	6 FARMING, FORESTRY, AND FISHING OCCUPATIONS	501	2.3	3.1	100.0
	Total	15915	74.0	100.0
Missing	-8 N/A	5580	26.0
Total		21495	100.0

OCCS occupation of spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 MANAGERIAL AND PROFESSIONAL OCCUPATIONS	3484	16.2	42.6	42.6
	2 TECHNICAL, SALES, AND ADMINISTRATIVE SUPPORT OCCUPATIONS	2998	13.9	36.6	79.2
	3 SERVICE OCCUPATIONS	973	4.5	11.9	91.1
	4 PRECISION PRODUCTION, CRAFT, AND REPAIR OCCUPATIONS	190	.9	2.3	93.4
	5 OPERATORS, FABRICATORS, AND LABORERS	425	2.0	5.2	98.6
	6 FARMING, FORESTRY, AND FISHING OCCUPATIONS	115	.5	1.4	100.0
	Total	8185	38.1	100.0
Missing	-8 N/A	13310	61.9
Total		21495	100.0

INDH industry of head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 AGRICULTURE, FORESTRY AND FISHERIES	516	2.4	3.2	3.2
	2 MINING AND COSNTRUCTION	1397	6.5	8.8	12.0
	3 MANUFACTURING	2951	13.7	18.5	30.6
	4 WHOLESALE AND RETAIL TRADE	2413	11.2	15.2	45.7
	5 FINANCE, INSURANCE AND REAL ESTATE, BUSINESS AND REPAIR SERV	2745	12.8	17.2	63.0
	6 TRANSPORT, COMMUNIC. AND OTHER PUBLIC UTILITIES, ENTERTAINME	5004	23.3	31.4	94.4
	7 PUBLIC ADMINISTRATION AND MILITARY	889	4.1	5.6	100.0
	Total	15915	74.0	100.0
Missing	-8 N/A	5580	26.0
Total		21495	100.0

INDS industry of spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 AGRICULTURE, FORESTRY AND FISHERIES	199	.9	2.4	2.4
	2 MINING AND COSNTRUCTION	176	.8	2.2	4.6
	3 MANUFACTURING	927	4.3	11.3	15.9
	4 WHOLESALE AND RETAIL TRADE	1447	6.7	17.7	33.6
	5 FINANCE, INSURANCE AND REAL ESTATE, BUSINESS AND REPAIR SERV	1238	5.8	15.1	48.7
	6 TRANSPORT, COMMUNIC. AND OTHER PUBLIC UTILITIES, ENTERTAINME	3865	18.0	47.2	95.9
	7 PUBLIC ADMINISTRATION AND MILITARY	333	1.5	4.1	100.0
	Total	8185	38.1	100.0
Missing	-8 N/A	13310	61.9
Total		21495	100.0

ACTH activity status head

		Frequency	Percent
Missing	-8	21495	100.0

ACTS activity status spouse

		Frequency	Percent
Missing	-8	21495	100.0

DISH disability status head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	0 NO	20630	96.0	96.0	96.0
	1 DISABLED	865	4.0	4.0	100.0
	Total	21495	100.0	100.0

DISS disability status spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	0 NO	14100	65.6	97.9	97.9
	1 DISABLED	305	1.4	2.1	100.0
	Total	14405	67.0	100.0
Missing	-8 NO SPOUSE	7090	33.0
Total		21495	100.0

HLTHH health status of head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 EXCELLENT	7713	35.9	35.9	35.9
	2 GOOD	9571	44.5	44.5	80.4
	3 FAIR	3224	15.0	15.0	95.4
	4 POOR	987	4.6	4.6	100.0
	Total	21495	100.0	100.0

HLTHS health status of spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 EXCELLENT	5890	27.4	41.0	41.0
	2 GOOD	6194	28.8	43.1	84.1
	3 FAIR	1861	8.7	13.0	97.0
	4 POOR	425	2.0	3.0	100.0
	Total	14370	66.9	100.0
Missing	-8	7090	33.0
	System	35	.2
	Total	7125	33.1
Total		21495	100.0

REGA geographic region a

		Frequency	Percent
Missing	-8	21495	100.0

REGB geographic region b

		Frequency	Percent
Missing	-8	21495	100.0

URB urban/rural indicator

		Frequency	Percent
Missing	-8	21495	100.0

HHLD household structure

		Frequency	Percent
Missing	-8	21495	100.0

FMLY family composition

		Frequency	Percent
Missing	-8	21495	100.0

OWN tenure (owned/rented housing)

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 OWN	15670	72.9	72.9	72.9
	2 RENT	5385	25.1	25.1	98.0
	3 NEITHER OWN OR RENT	440	2.0	2.0	100.0
	Total	21495	100.0	100.0

DWELL type of dwelling

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 HOME	13645	63.5	63.5	63.5
	2 CONDO	355	1.7	1.7	65.1
	3 CO-OP	155	.7	.7	65.9
	4 TOWNHOUSE ASSOCIATION	75	.3	.3	66.2
	5 RETIREMENT LIFETIME TENANCY	35	.2	.2	66.4
	6 RANCH/FARM	805	3.7	3.7	70.1
	7 MOBILE HOME/RV	995	4.6	4.6	74.7
	8 OTHER HOUSING (NON-OWNER)	5430	25.3	25.3	100.0
	Total	21495	100.0	100.0

RISK1 FINANCIAL RISK TAKING WILLINGNESS

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 NOT WILLING TO TAKE ANY FINANCIAL RISKS	7379	34.3	34.3	34.3
	2 TAKE AVERAGE FINANCIAL RISKS EXPECTING TO EARN AVERAGE RETUR	9003	41.9	41.9	76.2
	3 TAKE ABOVE AVERAGE FINANCIAL RISKS EXPECTING TO EARN ABOVE A	4007	18.6	18.6	94.9
	4 TAKE SUBSTANTIAL FINANCIAL RISKS EXPECTING TO EARN SUBSTANTI	1106	5.1	5.1	100.0
	Total	21495	100.0	100.0

RISK2 DEMAND FOR SAFE INVESTMENTS

		Frequency	Percent
Missing	-8	21495	100.0

RISK3 LOTTERY QUESTION

		Frequency	Percent
Missing	-8	21495	100.0

RISK4 SELF-ASSESSED ACTUAL RISK TAKING IN THE PAST

		Frequency	Percent
Missing	-8	21495	100.0

SAVE_1 SAVING MOTIVE PRIORITY 1

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	-1 DON'T/CAN'T SAVE; 'HAVE NO MONEY'	1261	5.9	5.9	5.9
	1 CHILDREN'S EDUCATION / EDUCATION OF GRANDCHILDREN	1370	6.4	6.4	12.2
	2 OWN EDUCATION, SPOUSE'S EDUCATION, EDUCATION - NA FOR WHOM	1026	4.8	4.8	17.0
	3 FOR THE CHILDREN/FAMILY, TO HELP THE KIDS OUT, ESTATE	630	2.9	2.9	19.9
	5 WEDDING, BAR MITZVAH AND OTHER CEREMONIES	15	.1	.1	20.0
	11 BUYING OWN HOUSE	857	4.0	4.0	24.0
	12 PURCHASE OF COTTAGE OR SECOND HOME FOR OWN USE	15	.1	.1	24.1
	13 BUY A CAR, BOAT OR OTHER VEHICLE	202	.9	.9	25.0
	14 HOME IMPROVEMENTS/REPAIRS	44	.2	.2	25.2
	15 TO TRAVEL, TAKE VACATIONS, TAKE OTHER TIME OFF	483	2.2	2.2	27.5
	16 BUY DURABLE HOUSEHOLD GOODS, APPLIANCES, HOME FURNISHINGS, H	552	2.6	2.6	30.0
	17 BURIAL / FUNERAL EXPENSES	131	.6	.6	30.6
	18 CHARITABLE OR RELIGIOUS CONTRIBUTIONS	45	.2	.2	30.8
	21 BUYING (INVESTING IN) OWN BUSINESS/ EQUIPMENT FOR BUSINESS	97	.5	.5	31.3
	22 RETIREMENT/OLD AGE	5710	26.6	26.6	57.9
	23 RESERVES IN CASE OF UNEMPLOYMENT	225	1.0	1.0	58.9
	24 IN CASE OF ILLNESS, MEDICAL/DENTAL EXPENSES	492	2.3	2.3	61.2
	25 EMERGENCIES, OTHER UNEXPECTED NEEDS	5457	25.4	25.4	86.6
	26 INVESTMENTS REASONS (TO GET INTEREST, TO BE DIVERSIFIED, TO	445	2.1	2.1	88.7
	27 TO MEET CONTRACTUAL COMMITMENTS (DEBT REPAYMENT, INSURANCE,	290	1.3	1.3	90.0
	28 'TO GET AHEAD'; TO ADVANCE STANDARD OF LIVING	765	3.6	3.6	93.6
	29 ORDINARY LIVING EXPENSES / BILLS	665	3.1	3.1	96.7
	31 NO REASON	30	.1	.1	96.8
	90 HAD EXTRA INCOME; SAVED BECAUSED HAD THE MONEY LEFT OVER - N	136	.6	.6	97.4
	91 WISE/PRUDENT THING TO DO; GOOD DISCIPLINE TO SAVE; HABIT	200	.9	.9	98.4
	92 LIQUIDITY; TO HAVE CASH AVAILABLE/ON HAND	352	1.6	1.6	100.0
	Total	21495	100.0	100.0

SAVE_2 SAVING MOTIVE PRIORITY 2

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 CHILDREN'S EDUCATION / EDUCATION OF GRANDCHILDREN	770	3.6	8.4	8.4
	2 OWN EDUCATION, SPOUSE'S EDUCATION, EDUCATION - NA FOR WHOM	575	2.7	6.3	14.7
	3 FOR THE CHILDREN/FAMILY, TO HELP THE KIDS OUT, ESTATE	505	2.3	5.5	20.2
	5 WEDDING, BAR MITZVAH AND OTHER CEREMONIES	25	.1	.3	20.5
	11 BUYING OWN HOUSE	290	1.3	3.2	23.6
	12 PURCHASE OF COTTAGE OR SECOND HOME FOR OWN USE	25	.1	.3	23.9
	13 BUY A CAR, BOAT OR OTHER VEHICLE	230	1.1	2.5	26.4
	14 HOME IMPROVEMENTS/REPAIRS	115	.5	1.3	27.7
	15 TO TRAVEL, TAKE VACATIONS, TAKE OTHER TIME OFF	900	4.2	9.8	37.5
	16 BUY DURABLE HOUSEHOLD GOODS, APPLIANCES, HOME FURNISHINGS, H	415	1.9	4.5	42.0
	17 BURIAL / FUNERAL EXPENSES	40	.2	.4	42.4
	18 CHARITABLE OR RELIGIOUS CONTRIBUTIONS	30	.1	.3	42.8
	21 BUYING (INVESTING IN) OWN BUSINESS/ EQUIPMENT FOR BUSINESS	35	.2	.4	43.2
	22 RETIREMENT/OLD AGE	1985	9.2	21.7	64.8
	23 RESERVES IN CASE OF UNEMPLOYMENT	145	.7	1.6	66.4
	24 IN CASE OF ILLNESS, MEDICAL/DENTAL EXPENSES	475	2.2	5.2	71.6
	25 EMERGENCIES, OTHER UNEXPECTED NEEDS	1375	6.4	15.0	86.6
	26 INVESTMENTS REASONS (TO GET INTEREST, TO BE DIVERSIFIED, TO	150	.7	1.6	88.2
	27 TO MEET CONTRACTUAL COMMITMENTS (DEBT REPAYMENT, INSURANCE,	105	.5	1.1	89.4
	28 'TO GET AHEAD'; TO ADVANCE STANDARD OF LIVING	510	2.4	5.6	94.9
	29 ORDINARY LIVING EXPENSES / BILLS	250	1.2	2.7	97.7
	90 HAD EXTRA INCOME; SAVED BECAUSED HAD THE MONEY LEFT OVER - N	5	.0	.1	97.7
	91 WISE/PRUDENT THING TO DO; GOOD DISCIPLINE TO SAVE; HABIT	40	.2	.4	98.1
	92 LIQUIDITY; TO HAVE CASH AVAILABLE/ON HAND	170	.8	1.9	100.0
	Total	9165	42.6	100.0
Missing	-8 NOT APPLICABLE	12330	57.4
Total		21495	100.0

SAVE_3 SAVING MOTIVE PRIORITY 3

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 CHILDREN'S EDUCATION / EDUCATION OF GRANDCHILDREN	200	.9	7.1	7.1
	2 OWN EDUCATION, SPOUSE'S EDUCATION, EDUCATION - NA FOR WHOM	165	.8	5.9	13.0
	3 FOR THE CHILDREN/FAMILY, TO HELP THE KIDS OUT, ESTATE	195	.9	7.0	20.0
	5 WEDDING, BAR MITZVAH AND OTHER CEREMONIES	30	.1	1.1	21.1
	11 BUYING OWN HOUSE	105	.5	3.8	24.8
	12 PURCHASE OF COTTAGE OR SECOND HOME FOR OWN USE	5	.0	.2	25.0
	13 BUY A CAR, BOAT OR OTHER VEHICLE	140	.7	5.0	30.0
	14 HOME IMPROVEMENTS/REPAIRS	80	.4	2.9	32.9
	15 TO TRAVEL, TAKE VACATIONS, TAKE OTHER TIME OFF	325	1.5	11.6	44.5
	16 BUY DURABLE HOUSEHOLD GOODS, APPLIANCES, HOME FURNISHINGS, H	210	1.0	7.5	52.0
	18 CHARITABLE OR RELIGIOUS CONTRIBUTIONS	15	.1	.5	52.5
	21 BUYING (INVESTING IN) OWN BUSINESS/ EQUIPMENT FOR BUSINESS	30	.1	1.1	53.6
	22 RETIREMENT/OLD AGE	305	1.4	10.9	64.5
	23 RESERVES IN CASE OF UNEMPLOYMENT	50	.2	1.8	66.3
	24 IN CASE OF ILLNESS, MEDICAL/DENTAL EXPENSES	175	.8	6.3	72.5
	25 EMERGENCIES, OTHER UNEXPECTED NEEDS	485	2.3	17.3	89.8
	26 INVESTMENTS REASONS (TO GET INTEREST, TO BE DIVERSIFIED, TO	80	.4	2.9	92.7
	27 TO MEET CONTRACTUAL COMMITMENTS (DEBT REPAYMENT, INSURANCE,	45	.2	1.6	94.3
	28 'TO GET AHEAD'; TO ADVANCE STANDARD OF LIVING	65	.3	2.3	96.6
	29 ORDINARY LIVING EXPENSES / BILLS	60	.3	2.1	98.8
	91 WISE/PRUDENT THING TO DO; GOOD DISCIPLINE TO SAVE; HABIT	15	.1	.5	99.3
	92 LIQUIDITY; TO HAVE CASH AVAILABLE/ON HAND	20	.1	.7	100.0
	Total	2800	13.0	100.0
Missing	-8 NOT APPLICABLE	18695	87.0
Total		21495	100.0

SAVE_4 SAVING MOTIVE PRIORITY 4

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 CHILDREN'S EDUCATION / EDUCATION OF GRANDCHILDREN	15	.1	2.3	2.3
	2 OWN EDUCATION, SPOUSE'S EDUCATION, EDUCATION - NA FOR WHOM	30	.1	4.6	6.9
	3 FOR THE CHILDREN/FAMILY, TO HELP THE KIDS OUT, ESTATE	25	.1	3.8	10.8
	11 BUYING OWN HOUSE	35	.2	5.4	16.2
	13 BUY A CAR, BOAT OR OTHER VEHICLE	40	.2	6.2	22.3
	14 HOME IMPROVEMENTS/REPAIRS	35	.2	5.4	27.7
	15 TO TRAVEL, TAKE VACATIONS, TAKE OTHER TIME OFF	105	.5	16.2	43.8
	16 BUY DURABLE HOUSEHOLD GOODS, APPLIANCES, HOME FURNISHINGS, H	95	.4	14.6	58.5
	18 CHARITABLE OR RELIGIOUS CONTRIBUTIONS	5	.0	.8	59.2
	21 BUYING (INVESTING IN) OWN BUSINESS/ EQUIPMENT FOR BUSINESS	5	.0	.8	60.0
	22 RETIREMENT/OLD AGE	50	.2	7.7	67.7
	23 RESERVES IN CASE OF UNEMPLOYMENT	25	.1	3.8	71.5
	24 IN CASE OF ILLNESS, MEDICAL/DENTAL EXPENSES	30	.1	4.6	76.2
	25 EMERGENCIES, OTHER UNEXPECTED NEEDS	70	.3	10.8	86.9
	26 INVESTMENTS REASONS (TO GET INTEREST, TO BE DIVERSIFIED, TO	10	.0	1.5	88.5
	27 TO MEET CONTRACTUAL COMMITMENTS (DEBT REPAYMENT, INSURANCE,	25	.1	3.8	92.3
	28 'TO GET AHEAD'; TO ADVANCE STANDARD OF LIVING	5	.0	.8	93.1
	29 ORDINARY LIVING EXPENSES / BILLS	20	.1	3.1	96.2
	90 HAD EXTRA INCOME; SAVED BECAUSED HAD THE MONEY LEFT OVER - N	5	.0	.8	96.9
	92 LIQUIDITY; TO HAVE CASH AVAILABLE/ON HAND	20	.1	3.1	100.0
	Total	650	3.0	100.0
Missing	-8 NOT APPLICABLE	20845	97.0
Total		21495	100.0

SAVE_5 SAVING MOTIVE PRIORITY 5

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	2 OWN EDUCATION, SPOUSE'S EDUCATION, EDUCATION - NA FOR WHOM	10	.0	9.5	9.5
	13 BUY A CAR, BOAT OR OTHER VEHICLE	5	.0	4.8	14.3
	15 TO TRAVEL, TAKE VACATIONS, TAKE OTHER TIME OFF	50	.2	47.6	61.9
	16 BUY DURABLE HOUSEHOLD GOODS, APPLIANCES, HOME FURNISHINGS, H	15	.1	14.3	76.2
	21 BUYING (INVESTING IN) OWN BUSINESS/ EQUIPMENT FOR BUSINESS	5	.0	4.8	81.0
	22 RETIREMENT/OLD AGE	5	.0	4.8	85.7
	24 IN CASE OF ILLNESS, MEDICAL/DENTAL EXPENSES	5	.0	4.8	90.5
	25 EMERGENCIES, OTHER UNEXPECTED NEEDS	5	.0	4.8	95.2
	29 ORDINARY LIVING EXPENSES / BILLS	5	.0	4.8	100.0
	Total	105	.5	100.0
Missing	-8 NOT APPLICABLE	21390	99.5
Total		21495	100.0

SAVE_6 SAVING MOTIVE PRIORITY 6

		Frequency	Percent
Missing	-8 NOT APPLICABLE	21495	100.0

HORIZ FINANCIAL TIME HORIZON

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 NEXT FEW MONTHS	3513	16.3	16.3	16.3
	2 NEXT YEAR	3249	15.1	15.1	31.5
	3 NEXT FEW YEARS	3343	15.6	15.6	47.0
	4 NEXT 5-10 YEARS	7738	36.0	36.0	83.0
	5 LONGER THAN 10 YEARS	3652	17.0	17.0	100.0
	Total	21495	100.0	100.0

SPEND MONEY SHOULD BE SPENT

		Frequency	Percent
Missing	-8	21495	100.0

FLIT1 EFFORT OR TIME SPENT IN OBTAINING FINANCIAL INFORMATION

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 ALMOST NO SHOPPING	4854	22.6	22.6	22.6
	2	1377	6.4	6.4	29.0
	3 MODERATE SHOPPING	7783	36.2	36.2	65.2
	4	2648	12.3	12.3	77.5
	5 A GREAT DEAL OF SHOPPING	4833	22.5	22.5	100.0
	Total	21495	100.0	100.0

FLIT2_1 IMPORTANT FINANCIAL INFORMATION SOURCES 1

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 CALL AROUND	7566	35.2	35.2	35.2
	2 MATERIAL IN THE MAIL	1406	6.5	6.5	41.7
	3 OTHER ADVERTISEMENTS	325	1.5	1.5	43.3
	4 ACCOUNTANT	648	3.0	3.0	46.3
	5 MAGAZINES/NEWSPAPERS	2070	9.6	9.6	55.9
	6 FRIEND/RELATIVE	2522	11.7	11.7	67.6
	7 LAWYER	235	1.1	1.1	68.7
	8 FINANCIAL PLANNER	1103	5.1	5.1	73.9
	9 NEVER BORROW OR HAVEN'T BORROWED LATELY	3950	18.4	18.4	92.2
	11 INFORMATION FROM STORE/DEALER	30	.1	.1	92.4
	12 BANKERS; OTHER LENDERS	295	1.4	1.4	93.7
	13 TELEVISION; CABLE; RADIO	15	.1	.1	93.8
	14 COMPUTERIZED DATA SERVICES; OTHER DATA SERVICES	10	.0	.0	93.9
	15 DON'T SHOP AROUND; ALWAYS USE SAME INSTITUTION	550	2.6	2.6	96.4
	16 PAST EXPERIENCE	40	.2	.2	96.6
	17 MATERIAL FROM WORK/BUSINESS CONTACTS	160	.7	.7	97.3
	18 SELF; NO INFORMATION OTHER THAN WHAT R/FAMILY KNOWS	460	2.1	2.1	99.5
	19 OTHER PERSONAL RESEARCH	80	.4	.4	99.9
	21 REAL ESTATE BROKER; BUILDER	15	.1	.1	99.9
	22 OTHER INSTITUTIONAL SOURCE (E.G., COLLEGE, SOCIAL SERVICE AG	15	.1	.1	100.0
	Total	21495	100.0	100.0

FLIT2_2 IMPORTANT FINANCIAL INFORMATION SOURCES 2

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 CALL AROUND	1267	5.9	13.6	13.6
	2 MATERIAL IN THE MAIL	2552	11.9	27.4	41.0
	3 OTHER ADVERTISEMENTS	491	2.3	5.3	46.3
	4 ACCOUNTANT	415	1.9	4.5	50.8
	5 MAGAZINES/NEWSPAPERS	1497	7.0	16.1	66.8
	6 FRIEND/RELATIVE	1706	7.9	18.3	85.2
	7 LAWYER	265	1.2	2.8	88.0
	8 FINANCIAL PLANNER	625	2.9	6.7	94.7
	9 NEVER BORROW OR HAVEN'T BORROWED LATELY	65	.3	.7	95.4
	11 INFORMATION FROM STORE/DEALER	10	.0	.1	95.5
	12 BANKERS; OTHER LENDERS	175	.8	1.9	97.4
	13 TELEVISION; CABLE; RADIO	30	.1	.3	97.7
	14 COMPUTERIZED DATA SERVICES; OTHER DATA SERVICES	5	.0	.1	97.8
	15 DON'T SHOP AROUND; ALWAYS USE SAME INSTITUTION	45	.2	.5	98.3
	16 PAST EXPERIENCE	10	.0	.1	98.4
	17 MATERIAL FROM WORK/BUSINESS CONTACTS	60	.3	.6	99.0
	18 SELF; NO INFORMATION OTHER THAN WHAT R/FAMILY KNOWS	40	.2	.4	99.5
	19 OTHER PERSONAL RESEARCH	35	.2	.4	99.8
	21 REAL ESTATE BROKER; BUILDER	15	.1	.2	100.0
	Total	9308	43.3	100.0
Missing	-8	12187	56.7
Total		21495	100.0

FLIT2_3 IMPORTANT FINANCIAL INFORMATION SOURCES 3

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 CALL AROUND	325	1.5	7.4	7.4
	2 MATERIAL IN THE MAIL	285	1.3	6.5	14.0
	3 OTHER ADVERTISEMENTS	1341	6.2	30.7	44.6
	4 ACCOUNTANT	295	1.4	6.8	51.4
	5 MAGAZINES/NEWSPAPERS	780	3.6	17.8	69.2
	6 FRIEND/RELATIVE	771	3.6	17.6	86.9
	7 LAWYER	155	.7	3.5	90.4
	8 FINANCIAL PLANNER	305	1.4	7.0	97.4
	9 NEVER BORROW OR HAVEN'T BORROWED LATELY	5	.0	.1	97.5
	12 BANKERS; OTHER LENDERS	58	.3	1.3	98.9
	13 TELEVISION; CABLE; RADIO	15	.1	.3	99.2
	14 COMPUTERIZED DATA SERVICES; OTHER DATA SERVICES	5	.0	.1	99.3
	15 DON'T SHOP AROUND; ALWAYS USE SAME INSTITUTION	5	.0	.1	99.4
	16 PAST EXPERIENCE	5	.0	.1	99.5
	17 MATERIAL FROM WORK/BUSINESS CONTACTS	5	.0	.1	99.7
	18 SELF; NO INFORMATION OTHER THAN WHAT R/FAMILY KNOWS	5	.0	.1	99.8
	19 OTHER PERSONAL RESEARCH	10	.0	.2	100.0
	Total	4370	20.3	100.0
Missing	-8	17125	79.7
Total		21495	100.0

FLIT2_4 IMPORTANT FINANCIAL INFORMATION SOURCES 4

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 CALL AROUND	70	.3	3.3	3.3
	2 MATERIAL IN THE MAIL	55	.3	2.6	5.8
	3 OTHER ADVERTISEMENTS	150	.7	7.0	12.8
	4 ACCOUNTANT	775	3.6	36.0	48.8
	5 MAGAZINES/NEWSPAPERS	430	2.0	20.0	68.8
	6 FRIEND/RELATIVE	325	1.5	15.1	84.0
	7 LAWYER	70	.3	3.3	87.2
	8 FINANCIAL PLANNER	225	1.0	10.5	97.7
	9 NEVER BORROW OR HAVEN'T BORROWED LATELY	5	.0	.2	97.9
	12 BANKERS; OTHER LENDERS	20	.1	.9	98.8
	13 TELEVISION; CABLE; RADIO	10	.0	.5	99.3
	14 COMPUTERIZED DATA SERVICES; OTHER DATA SERVICES	5	.0	.2	99.5
	15 DON'T SHOP AROUND; ALWAYS USE SAME INSTITUTION	5	.0	.2	99.8
	19 OTHER PERSONAL RESEARCH	5	.0	.2	100.0
	Total	2150	10.0	100.0
Missing	-8	19345	90.0
Total		21495	100.0

FLIT2_5 IMPORTANT FINANCIAL INFORMATION SOURCES 5

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 CALL AROUND	5	.0	.4	.4
	2 MATERIAL IN THE MAIL	15	.1	1.2	1.6
	3 OTHER ADVERTISEMENTS	20	.1	1.6	3.3
	4 ACCOUNTANT	40	.2	3.3	6.6
	5 MAGAZINES/NEWSPAPERS	680	3.2	55.7	62.3
	6 FRIEND/RELATIVE	305	1.4	25.0	87.3
	7 LAWYER	65	.3	5.3	92.6
	8 FINANCIAL PLANNER	75	.3	6.1	98.8
	12 BANKERS; OTHER LENDERS	10	.0	.8	99.6
	19 OTHER PERSONAL RESEARCH	5	.0	.4	100.0
	Total	1220	5.7	100.0
Missing	-8	20275	94.3
Total		21495	100.0

FLIT2_6 IMPORTANT FINANCIAL INFORMATION SOURCES 6

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	2 MATERIAL IN THE MAIL	10	.0	1.3	1.3
	5 MAGAZINES/NEWSPAPERS	20	.1	2.5	3.8
	6 FRIEND/RELATIVE	570	2.7	71.7	75.5
	7 LAWYER	90	.4	11.3	86.8
	8 FINANCIAL PLANNER	90	.4	11.3	98.1
	9 NEVER BORROW OR HAVEN'T BORROWED LATELY	10	.0	1.3	99.4
	12 BANKERS; OTHER LENDERS	5	.0	.6	100.0
	Total	795	3.7	100.0
Missing	-8	20700	96.3
Total		21495	100.0

FLIT2_7 IMPORTANT FINANCIAL INFORMATION SOURCES 7

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	6 FRIEND/RELATIVE	5	.0	.9	.9
	7 LAWYER	415	1.9	76.1	77.1
	8 FINANCIAL PLANNER	120	.6	22.0	99.1
	19 OTHER PERSONAL RESEARCH	5	.0	.9	100.0
	Total	545	2.5	100.0
Missing	-8	20950	97.5
Total		21495	100.0

FLIT2_8 IMPORTANT FINANCIAL INFORMATION SOURCES 8

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 CALL AROUND	5	.0	1.4	1.4
	7 LAWYER	5	.0	1.4	2.7
	8 FINANCIAL PLANNER	355	1.7	97.3	100.0
	Total	365	1.7	100.0
Missing	-8	21130	98.3
Total		21495	100.0

FLIT2_9 IMPORTANT FINANCIAL INFORMATION SOURCES 9

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	8 FINANCIAL PLANNER	5	.0	9.1	9.1
	9 NEVER BORROW OR HAVEN'T BORROWED LATELY	50	.2	90.9	100.0
	Total	55	.3	100.0
Missing	-8	21440	99.7
Total		21495	100.0

FLIT2_10 IMPORTANT FINANCIAL INFORMATION SOURCES 10

		Frequency	Percent
Missing	-8	21495	100.0

CARD POSSESSION OF CREDIT CARDS

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	0 NO	3949	18.4	18.4	18.4
	1 YES	17546	81.6	81.6	100.0
	Total	21495	100.0	100.0

NCARD NUMBER OF CREDIT CARDS

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1	1775	8.3	10.1	10.1
	2	1894	8.8	10.8	21.0
	3	1926	9.0	11.0	32.0
	4	2016	9.4	11.5	43.5
	5	1555	7.2	8.9	52.4
	6	1468	6.8	8.4	60.8
	7	1362	6.3	7.8	68.6
	8	1123	5.2	6.4	75.0
	9	881	4.1	5.0	80.0
	10	694	3.2	4.0	84.0
	11	549	2.6	3.1	87.1
	12	442	2.1	2.5	89.6
	13	361	1.7	2.1	91.7
	14	268	1.2	1.5	93.2
	15	244	1.1	1.4	94.6
	16	252	1.2	1.4	96.1
	17	193	.9	1.1	97.2
	18	134	.6	.8	97.9
	19	70	.3	.4	98.3
	20	71	.3	.4	98.8
	21	58	.3	.3	99.1
	22	60	.3	.3	99.4
	23	25	.1	.1	99.6
	24	30	.1	.2	99.7
	25	15	.1	.1	99.8
	26	10	.0	.1	99.9
	29	10	.0	.1	99.9
	31	5	.0	.0	100.0
	33	5	.0	.0	100.0
	Total	17496	81.4	100.0
Missing	-8 NOT APPLICABLE	3999	18.6
Total		21495	100.0

ONBK USE ONLINE BANKING

		Frequency	Percent
Missing	-8	21495	100.0

HLTH1 FREQUENCY OF SPORTS

		Frequency	Percent
Missing	-8	21495	100.0

HLTH2A SMOKER

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	0 NO	16458	76.6	76.6	76.6
	1 YES	5037	23.4	23.4	100.0
	Total	21495	100.0	100.0

HLTH2B CIGARETTES PER DAY

		Frequency	Percent
Missing	-8	21495	100.0

ATT1 OVERALL HAPPINESS

		Frequency	Percent
Missing	-8	21495	100.0

ATT2 LEVEL OF WORRY

		Frequency	Percent
Missing	-8	21495	100.0

ATT3 VOLUNTEER COMMITMENT

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	0 NO	14082	65.5	65.5	65.5
	1 YES	7413	34.5	34.5	100.0
	Total	21495	100.0	100.0

Descriptives for the US SCF 1994 LWS extra variables

Descriptives

Descriptive Statistics

	N	Minimum	Maximum	Mean	Std. Deviation
NRIR NON-RESIDENTIAL INV REAL ESTATE	21495	0	196430000	478762.82	4437318.556
DIPLH HEAD HIGHEST DEGREE EARNED	21495	0	11	1.12	1.570
DIPLS SPOUSE HIGHEST DEGREE EARNED	14405	0	11	1.05	1.645
TOTPEN TOTAL AMOUNT OF ALL PENSIONS RECEIVED	21495	0	635000	4935.00	17996.358
Valid N (listwise)	14405

Frequencies for the US SCF 1994 LWS extra variables

Frequencies

Statistics

		DIPLH HEAD HIGHEST DEGREE EARNED	DIPLS SPOUSE HIGHEST DEGREE EARNED
N	Valid	21495	14405
	Missing	0	7090

Frequency Table

DIPLH HEAD HIGHEST DEGREE EARNED

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	0 12 YEARS OR LESS OF EDUCATION OR DID NOT GET A DEGREE OR INA	12285	57.2	57.2	57.2
	1 ASSOCIATE'S AND OTHER JUNIOR COLLEGE DEGREE	986	4.6	4.6	61.7
	2 BACHELOR'S DEGREE	4369	20.3	20.3	82.1
	3 MASTER'S DEGREE (MA/MS/MBA)	1945	9.0	9.0	91.1
	4 PH.D.INCL POST-DOC, MD/DDS/DMD/DO, LAW/JD, DVM, ETC.	1782	8.3	8.3	99.4
	11 NURSING(RN,LPN), OTHER PROFESSIONAL CERTIFICATE	128	.6	.6	100.0
	Total	21495	100.0	100.0

DIPLS SPOUSE HIGHEST DEGREE EARNED

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	0 12 YEARS OR LESS OF EDUCATION OR DID NOT GET A DEGREE OR INA	8287	38.6	57.5	57.5
	1 ASSOCIATE'S AND OTHER JUNIOR COLLEGE DEGREE	893	4.2	6.2	63.7
	2 BACHELOR'S DEGREE	3282	15.3	22.8	86.5
	3 MASTER'S DEGREE (MA/MS/MBA)	1303	6.1	9.0	95.6
	4 PH.D.INCL POST-DOC, MD/DDS/DMD/DO, LAW/JD, DVM, ETC.	459	2.1	3.2	98.7
	11 NURSING(RN,LPN), OTHER PROFESSIONAL CERTIFICATE	181	.8	1.3	100.0
	Total	14405	67.0	100.0
Missing	-8	7090	33.0
Total		21495	100.0