Descriptives for the United States SCF 1997 LWS file

Descriptives

Descriptive Statistics

	N	Minimum	Maximum	Mean	Std. Deviation
HID household identification number	21525	11	43275	21631.83	12488.619
WGT household weight	21525	1	13310	4764.17	3210.390
CTRY country and year id	21525	225	225	225.00	.000
HRSH hours worked head	21525	0	0	.00	.000
HRSS hours worked spouse	21525	0	0	.00	.000
HRS2H hours worked at main job head	21525	0	112	33.26	22.912
HRS2S hours worked at main job spouse	21525	0	100	13.31	19.621
WKH weeks worked head	21525	0	52	37.30	22.499
WKS weeks worked spouse	21525	0	52	17.85	24.070
AGMH age of mother (head)	12340	35	100	66.44	12.922
AGFH age of father (head)	8748	35	100	65.72	11.772
AGMS age of mother (spouse)	8870	35	100	66.50	12.457
AGFS age of father (spouse)	6387	35	100	66.29	11.274
NOPRS number of persons in household	21525	1	9	2.48	1.374
NOCH5 number of children under 5	21525	0	4	.16	.463
NOCH15 number of children under 15 (<=14)	21525	0	7	.58	1.005
NOCH18 number of children under 18	21525	0	7	.70	1.099
NOPRS65 number of persons over 65	21525	0	4	.30	.624
NOERN number of earners	21525	0	2	1.14	.666
INH1 inheritance bequest 1 received ($)	5304	-1	37500000	329420.72	1678528.341
INH2 inheritance bequest 2 received ($)	1503	30	22500000	291658.58	1468818.446
INH3 inheritance bequest 3 received ($)	427	240	3000000	241747.89	502609.094
INH4 remaining inheritance bequest received ($)	160	1000	5650000	359221.25	887883.749
YRINH1 year inheritance bequest 1 received	21525	-8	1998	482.88	859.021
YRINH2 year inheritance bequest 2 received	21525	-8	1998	131.10	507.705
YRINH3 year inheritance bequest 3 received	21525	-8	1995	31.52	277.773
BUS own business (0/1)	5985	1	1	1.00	.000
NHD non-housing debt	12470	1	27000000	93655.34	837057.340
DA deposit accounts	19894	1	34209000	169017.39	1087671.041
RA risky assets	11122	10	300000000	2885241.61	15452945.827
TB total bonds	6005	10	181537000	1108417.74	6925198.753
ST stocks	6951	10	300000000	3160976.28	17049081.414
TM mutual funds and other investment funds	5412	200	40010000	639627.23	2397295.651
LI life insurance	7869	1	7500000	91357.95	329098.418
OFA other financial assets	3028	20	10000000	194702.08	657727.428
PA1 pension assets: private pension accounts/ saving plans	12210	20	30000000	269307.14	1001592.885
PA2 pension assets: annuities and other deferred profit plans	2486	300	150000000	2698353.26	12149437.751
PA3 pension assets: value of pension through employer pension plans	0
PR principal residence	15070	1000	20000000	446538.45	1048255.427
IR investment real estate	6816	20	400870000	1676574.06	10430640.187
BA business assets	0
BD business debt	0
BE business equity	5985	-740800	423300000	9723111.81	33651982.026
VH vehicles	18046	570	20094000	54090.38	404127.767
DRCL durables and/or collectibles	4806	20	25000000	350862.89	1509187.699
ONF other non-financial assets	313	50	25000000	1223634.76	4568322.651
HSD home secured debt (mg,omg,ohsd)	10456	2	219903000	462861.62	4932554.939
MG principal residence mortgage	9208	2	5560000	151812.47	255700.153
OMG other property mortgage	2885	2	219903000	1177884.32	9320745.632
OHSD other home secured debt	1041	45	2250000	41878.53	152345.330
VL vehicle loans	5851	70	7552000	26492.10	243662.037
IL total installment debt (inc.credit cards)	9093	1	11800000	36654.08	385286.592
EL educational loans	2035	120	142000	13403.53	19010.264
OL other loans from financial institutions	1722	90	15000000	244087.82	1155293.362
ID informal debt	681	70	27000000	340654.71	2554669.503
OWL miscellaneous net worth component	3713	-40270000	180967000	1418115.99	6589123.174
TFA1 tot. financial assets d1	19971	1	300252200	1775178.47	11957569.562
TNF1 tot. non-financial assets d1	15663	100	405870000	1159220.02	7204377.753
TNF2 tot. non-financial assets d2	16026	-421800	505870000	4764113.78	23629213.852
TD total debt	16046	1	219934000	374396.31	4065965.123
TA_CS total assets (ctry)	20274	30	406242000	3186183.30	15787012.358
TFA_CS total financial assets (ctry)	16603	1	330000000	2613651.58	14582853.628
TNF_CS total non-financial assets (ctry)	19786	30	406042000	1071577.02	6726482.108
NW1 net worth d1	20748	-29755600	306332200	2294263.99	12761353.627
NW2 net worth d2	20753	-17668700	516670000	5097779.28	26132430.620
NW_CS net worth (ctry)	20666	-26966300	336679000	2835048.73	14372087.673
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	16308	10	25000000	152398.45	719222.963
WAGENET NET WAGES AND SALARIES	0
SELF SELF-EMPLOYMENT INCOME	4679	-1000000	37500000	621078.76	2186116.137
CPRI CASH PROPERTY INCOME	10588	-30300	255420000	278296.27	5573291.946
CPRI1 INTERESTS AND DIVIDENDS	10047	1	15950000	106375.43	564826.998
CPRI2 RENTS	586	400	175000	12325.89	22817.306
CPRI3 PRIVATE SAVINGS PLANS	683	1	10500000	333259.75	1125239.691
CPRI4 ROYALTIES	0
CPRI5 OTHER CASH PROPERTY INCOME	898	-108480	242500000	1829629.82	18055064.069
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	756	70	38000	2886.16	3982.893
MNSBEN SOCIAL ASSISTANCE BENEFITS	1216	20	20000	3230.87	3632.059
NRCBEN NEAR CASH BENEFITS	45	100	33000	6157.78	6484.439
PRIVTRA PRIVATE TRANSFERS RECEIVED	914	30	220000	7049.73	19207.542
OTHCINC OTHER CASH INCOME	300	20	290000	24025.70	48676.285
CONTRIB MANDATORY EMPLOYEE CONTRIBUTIONS	16308	2	733110	9753.00	21530.262
INCTAX INCOME TAXES	21525	-3820	70672258	168512.48	1464604.236
WLTHTAX WEALTH/PROPERTY TAXES	14805	1	1240000	5219.45	25369.967
INTPD INTEREST PAID	0
INTPDMG INTEREST PAID ON MORTGAGES	0
INTPDOL INTEREST PAID ON OTHER LOANS	0
PTPD PRIVATE TRANSFERS PAID	4403	1	1000000	21264.66	58728.024
GAIN CAPITAL GAINS	4717	-1000000	150000000	392297.09	4974513.384
NCPRI NON CASH PROPERTY INCOME, IMPUTED RENT	0
LUMP LUMP SUM INCOME	330	20	150000000	2373809.79	18340244.804
GIFT NON-REGULAR GIFTS	0
EARNH EARNINGS HEAD	15450	45	50360000	244203.45	1399107.043
EARNS EARNINGS SPOUSE	7430	27	7770000	58784.60	297307.849
OCCPENH OCCUPATIONAL PENSIONS HEAD	2556	240	400000	21606.86	38338.462
OCCPENS OCCUPATIONAL PENSIONS SPOUSE	435	420	80000	11217.66	11752.647
PUBPENH PUBLIC PENSIONS HEAD	3802	600	24000	10137.26	4746.521
PUBPENS PUBLIC PENSIONS SPOUSE	1727	120	21600	6446.03	3560.865
PENH ALL PENSIONS HEAD	4900	360	400000	19136.53	29310.155
PENS ALL PENSIONS SPOUSE	1926	120	84960	8313.59	7544.121
EARNW EARNINGS	17639	-1000000	37589000	305539.46	1380935.034
EARNWNET NET EARNINGS	0
FIW FACTOR INCOME	19423	-835800	255420000	429162.94	4366291.917
FIWNET NET FACTOR INCOME	0
MIW MARKET INCOME	0
MIWNET NET MARKET INCOME	0
TRANS TRANSFER INCOME	0
GIW GROSS INCOME	21331	-835800	255435000	397153.99	4172435.995
GIWNET NET INCOME	0
LIS_DPI DISPOSABLE INCOME ACCORDING LIS STANDARDS	21521	-27403016	185665109	217747.01	2998415.325
DPIW DISPOSABLE INCOME	21521	-27411316	185422609	209809.68	2992556.890
DPIT DISPOSABLE INCOME + CAPITAL GAINS	21521	-17961784	190422609	295787.07	3606701.941
PRECS AMOUNT NEEDED TO COVER UNEXPECTED EXPENSES	21525	0	21080000	136466.30	833307.933
HOP1 hhld open slot 1	21525	1	5	3.00	1.414
Valid N (listwise)	0

Frequencies for the United States SCF 1997 LWS file

Frequency Table

SEXH sex of head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 MALE	16805	78.1	78.1	78.1
	2 FEMALE	4720	21.9	21.9	100.0
	Total	21525	100.0	100.0

SEXS sex of spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 MALE	170	.8	1.2	1.2
	2 FEMALE	13835	64.3	98.8	100.0
	Total	14005	65.1	100.0
Missing	-8	7520	34.9
Total		21525	100.0

AGEH age of head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	17	5	.0	.0	.0
	18	65	.3	.3	.3
	19	105	.5	.5	.8
	20	121	.6	.6	1.4
	21	172	.8	.8	2.2
	22	135	.6	.6	2.8
	23	150	.7	.7	3.5
	24	265	1.2	1.2	4.7
	25	305	1.4	1.4	6.1
	26	315	1.5	1.5	7.6
	27	310	1.4	1.4	9.0
	28	310	1.4	1.4	10.5
	29	275	1.3	1.3	11.8
	30	320	1.5	1.5	13.3
	31	271	1.3	1.3	14.5
	32	375	1.7	1.7	16.3
	33	325	1.5	1.5	17.8
	34	325	1.5	1.5	19.3
	35	400	1.9	1.9	21.1
	36	407	1.9	1.9	23.0
	37	445	2.1	2.1	25.1
	38	465	2.2	2.2	27.3
	39	485	2.3	2.3	29.5
	40	421	2.0	2.0	31.5
	41	541	2.5	2.5	34.0
	42	506	2.4	2.4	36.3
	43	485	2.3	2.3	38.6
	44	486	2.3	2.3	40.8
	45	495	2.3	2.3	43.1
	46	440	2.0	2.0	45.2
	47	465	2.2	2.2	47.3
	48	500	2.3	2.3	49.7
	49	506	2.4	2.4	52.0
	50	496	2.3	2.3	54.3
	51	586	2.7	2.7	57.0
	52	495	2.3	2.3	59.3
	53	445	2.1	2.1	61.4
	54	365	1.7	1.7	63.1
	55	431	2.0	2.0	65.1
	56	385	1.8	1.8	66.9
	57	435	2.0	2.0	68.9
	58	325	1.5	1.5	70.4
	59	365	1.7	1.7	72.1
	60	365	1.7	1.7	73.8
	61	305	1.4	1.4	75.2
	62	235	1.1	1.1	76.3
	63	276	1.3	1.3	77.6
	64	305	1.4	1.4	79.0
	65	271	1.3	1.3	80.3
	66	242	1.1	1.1	81.4
	67	261	1.2	1.2	82.6
	68	344	1.6	1.6	84.2
	69	247	1.1	1.1	85.4
	70	335	1.6	1.6	86.9
	71	291	1.4	1.4	88.3
	72	240	1.1	1.1	89.4
	73	175	.8	.8	90.2
	74	216	1.0	1.0	91.2
	75	216	1.0	1.0	92.2
	76	219	1.0	1.0	93.2
	77	155	.7	.7	93.9
	78	151	.7	.7	94.6
	79	148	.7	.7	95.3
	80	142	.7	.7	96.0
81	117	.5	.5	96.5
82	90	.4	.4	97.0
83	115	.5	.5	97.5
84	115	.5	.5	98.0
85	115	.5	.5	98.6
86	50	.2	.2	98.8
87	45	.2	.2	99.0
88	40	.2	.2	99.2
89	60	.3	.3	99.5
90	15	.1	.1	99.5
91	25	.1	.1	99.7
92	30	.1	.1	99.8
93	10	.0	.0	99.8
94	20	.1	.1	99.9
95	15	.1	.1	100.0
Total	21525	100.0	100.0

AGES age of spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	18	10	.0	.1	.1
	19	50	.2	.4	.4
	20	55	.3	.4	.8
	21	70	.3	.5	1.3
	22	97	.5	.7	2.0
	23	165	.8	1.2	3.2
	24	152	.7	1.1	4.3
	25	160	.7	1.1	5.4
	26	175	.8	1.2	6.7
	27	200	.9	1.4	8.1
	28	215	1.0	1.5	9.6
	29	250	1.2	1.8	11.4
	30	220	1.0	1.6	13.0
	31	222	1.0	1.6	14.6
	32	235	1.1	1.7	16.3
	33	300	1.4	2.1	18.4
	34	290	1.3	2.1	20.5
	35	300	1.4	2.1	22.6
	36	315	1.5	2.2	24.9
	37	325	1.5	2.3	27.2
	38	425	2.0	3.0	30.2
	39	355	1.6	2.5	32.7
	40	300	1.4	2.1	34.9
	41	360	1.7	2.6	37.5
	42	450	2.1	3.2	40.7
	43	345	1.6	2.5	43.1
	44	370	1.7	2.6	45.8
	45	335	1.6	2.4	48.2
	46	342	1.6	2.4	50.6
	47	345	1.6	2.5	53.1
	48	407	1.9	2.9	56.0
	49	322	1.5	2.3	58.3
	50	423	2.0	3.0	61.3
	51	371	1.7	2.6	63.9
	52	358	1.7	2.6	66.5
	53	230	1.1	1.6	68.1
	54	272	1.3	1.9	70.1
	55	351	1.6	2.5	72.6
	56	250	1.2	1.8	74.4
	57	275	1.3	2.0	76.3
	58	230	1.1	1.6	78.0
	59	225	1.0	1.6	79.6
	60	251	1.2	1.8	81.4
	61	205	1.0	1.5	82.8
	62	226	1.0	1.6	84.5
	63	171	.8	1.2	85.7
	64	96	.4	.7	86.4
	65	130	.6	.9	87.3
	66	168	.8	1.2	88.5
	67	211	1.0	1.5	90.0
	68	170	.8	1.2	91.2
	69	111	.5	.8	92.0
	70	107	.5	.8	92.8
	71	120	.6	.9	93.6
	72	120	.6	.9	94.5
	73	100	.5	.7	95.2
	74	110	.5	.8	96.0
	75	70	.3	.5	96.5
	76	100	.5	.7	97.2
	77	90	.4	.6	97.8
	78	76	.4	.5	98.4
	79	51	.2	.4	98.8
	80	45	.2	.3	99.1
	81	25	.1	.2	99.3
82	20	.1	.1	99.4
83	25	.1	.2	99.6
84	20	.1	.1	99.7
85	5	.0	.0	99.8
86	5	.0	.0	99.8
87	15	.1	.1	99.9
89	5	.0	.0	99.9
91	5	.0	.0	100.0
93	5	.0	.0	100.0
Total	14005	65.1	100.0
Missing	-8	7520	34.9
Total		21525	100.0

MARTH marital status head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 MARRIED	12890	59.9	59.9	59.9
	3 SEPARATED	725	3.4	3.4	63.3
	4 DIVORCED	2750	12.8	12.8	76.0
	5 WIDOWED	1700	7.9	7.9	83.9
	6 NEVER MARRIED	3460	16.1	16.1	100.0
	Total	21525	100.0	100.0

MARTS marital status spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 MARRIED	12800	59.5	91.4	91.4
	3 SEPARATED	50	.2	.4	91.8
	4 DIVORCED	400	1.9	2.9	94.6
	5 WIDOWED	50	.2	.4	95.0
	6 NEVER MARRIED	700	3.3	5.0	100.0
	Total	14000	65.0	100.0
Missing	-8	7520	34.9
	System	5	.0
	Total	7525	35.0
Total		21525	100.0

SMART marital status (standardized)

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 SINGLE NO CHILDREN	5865	27.2	27.2	27.2
	2 LONE PARENT	1655	7.7	7.7	34.9
	3 COUPLE NO CHILDREN	7195	33.4	33.4	68.4
	4 COUPLE WITH CHILDREN	6810	31.6	31.6	100.0
	Total	21525	100.0	100.0

RACEH race/ethnicity of head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 WHITE-INCLUDE MIDDLE EASTERN/ARAB WITH WHITE	12746	59.2	80.4	80.4
	2 BLACK/AFRICAN-AMERICAN	1738	8.1	11.0	91.4
	3 HISPANIC/LATINO	847	3.9	5.3	96.7
	4 OTHER	524	2.4	3.3	100.0
	Total	15855	73.7	100.0
Missing	System	5670	26.3
Total		21525	100.0

RACES race/etnicity of spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 WHITE-INCLUDE MIDDLE EASTERN/ARAB WITH WHITE	4744	22.0	83.7	83.7
	2 BLACK/AFRICAN-AMERICAN	331	1.5	5.8	89.5
	3 HISPANIC/LATINO	406	1.9	7.2	96.7
	4 OTHER	189	.9	3.3	100.0
	Total	5670	26.3	100.0
Missing	-8	7520	34.9
	System	8335	38.7
	Total	15855	73.7
Total		21525	100.0

COBH country of birth of head

		Frequency	Percent
Missing	-8	21525	100.0

COBS country of birth of spouse

		Frequency	Percent
Missing	-8	21525	100.0

IMMH immigration status of head

		Frequency	Percent
Missing	-8	21525	100.0

IMMS immigration status of spouse

		Frequency	Percent
Missing	-8	21525	100.0

YSMH years of residence in this country head

		Frequency	Percent
Missing	-8	21525	100.0

EDUCH educational level of head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 1ST GRADE	80	.4	.4	.4
	2 2ND GRADE	31	.1	.1	.5
	3 3RD GRADE	60	.3	.3	.8
	4 4TH GRADE	60	.3	.3	1.1
	5 5TH GRADE	55	.3	.3	1.3
	6 6TH GRADE	257	1.2	1.2	2.5
	7 7TH GRADE	142	.7	.7	3.2
	8 8TH GRADE	429	2.0	2.0	5.2
	9 9TH GRADE	451	2.1	2.1	7.3
	10 10TH GRADE	658	3.1	3.1	10.3
	11 11TH GRADE	841	3.9	3.9	14.2
	12 12TH GRADE	5187	24.1	24.1	38.3
	13 1 YEAR OF COLLEGE	1324	6.2	6.2	44.5
	14 2 YEARS OF COLLEGE	2450	11.4	11.4	55.9
	15 3 YEARS OF COLLEGE	792	3.7	3.7	59.5
	16 4 YEARS OF COLLEGE	4507	20.9	20.9	80.5
	17 GRADUATE SCHOOL	4201	19.5	19.5	100.0
	Total	21525	100.0	100.0

EDUCS educational level of spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	0 INAP. (/NO SPOUSE)	10	.0	.1	.1
	1 1ST GRADE	27	.1	.2	.3
	2 2ND GRADE	5	.0	.0	.3
	3 3RD GRADE	50	.2	.4	.7
	4 4TH GRADE	36	.2	.3	.9
	5 5TH GRADE	10	.0	.1	1.0
	6 6TH GRADE	111	.5	.8	1.8
	7 7TH GRADE	60	.3	.4	2.2
	8 8TH GRADE	213	1.0	1.5	3.7
	9 9TH GRADE	205	1.0	1.5	5.2
	10 10TH GRADE	240	1.1	1.7	6.9
	11 11TH GRADE	301	1.4	2.2	9.1
	12 12TH GRADE	3720	17.3	26.6	35.7
	13 1 YEAR OF COLLEGE	1154	5.4	8.3	43.9
	14 2 YEARS OF COLLEGE	1956	9.1	14.0	57.9
	15 3 YEARS OF COLLEGE	489	2.3	3.5	61.4
	16 4 YEARS OF COLLEGE	3289	15.3	23.5	84.9
	17 GRADUATE SCHOOL	2104	9.8	15.1	100.0
	Total	13980	64.9	100.0
Missing	-8	7520	34.9
	System	25	.1
	Total	7545	35.1
Total		21525	100.0

NOERN number of earners

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	0 NO EARNERS	3482	16.2	16.2	16.2
	1 AT LEAST 1	11576	53.8	53.8	70.0
	2 AT LEAST 2	6467	30.0	30.0	100.0
	Total	21525	100.0	100.0

LFSH labor force status head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	11 WORKER ONLY	14910	69.3	69.3	69.3
	12 WORKER + DISABLED	25	.1	.1	69.4
	13 WORKER + RETIRED	530	2.5	2.5	71.8
	14 WORKER + STUDENT	210	1.0	1.0	72.8
	15 WORKER + HOMEMAKER	55	.3	.3	73.1
	16 WORKER + UNEMPLOYED/LOOKING FOR WORK	65	.3	.3	73.4
	17 WORKER + TEMPORARILY LAID OFF	105	.5	.5	73.9
	21 TEMPORARILY LAID OFF, NOT EXPECTING TO RETURN TO JOB AND NO	60	.3	.3	74.1
	22 ON SICK/MATERNITY LEAVE AND EXPECTING TO RETURN TO WORK (AL	80	.4	.4	74.5
	23 ON SICK/MATERNITY LEAVE, BUT NOT EXPECTING TO RETURN TO WOR	20	.1	.1	74.6
	30 UNEMPLOYED AND LOOKING FOR WORK (ALSO HOMEMAKER, STUDENT, D	535	2.5	2.5	77.1
	50 RETIRED, RET. + DISABLED, RET. + UNEMPLOYED,RET. + HOMEMAKE	3607	16.8	16.8	93.9
	52 DISABLED (ALSO STUDENT, HOMEMAKER, AND LAID OFF BUT NOT EXP	728	3.4	3.4	97.2
	70 STUDENT (ALSO INCLUDING HOMEMAKER)	150	.7	.7	97.9
	80 HOMEMAKER/OTHER NOT IN LABOR FORCE ONLY	360	1.7	1.7	99.6
	85 UNPAID VOLUNTEER	10	.0	.0	99.7
	96 OTHER COMBINATION INCL. WORKER BESIDE 11-17	75	.3	.3	100.0
	Total	21525	100.0	100.0

LFSS labor force status spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	11 WORKER ONLY	7008	32.6	50.1	50.1
	13 WORKER + RETIRED	60	.3	.4	50.6
	14 WORKER + STUDENT	95	.4	.7	51.2
	15 WORKER + HOMEMAKER	495	2.3	3.5	54.8
	17 WORKER + TEMPORARILY LAID OFF	60	.3	.4	55.2
	20 TEMPORARILY LAID OFF, EXPECTING TO RETURN TO WORK	10	.0	.1	55.3
	21 TEMPORARILY LAID OFF, NOT EXPECTING TO RETURN TO JOB AND NO	30	.1	.2	55.5
	22 ON SICK/MATERNITY LEAVE AND EXPECTING TO RETURN TO WORK (AL	40	.2	.3	55.8
	23 ON SICK/MATERNITY LEAVE, BUT NOT EXPECTING TO RETURN TO WOR	30	.1	.2	56.0
	30 UNEMPLOYED AND LOOKING FOR WORK (ALSO HOMEMAKER, STUDENT, D	175	.8	1.3	57.2
	50 RETIRED, RET. + DISABLED, RET. + UNEMPLOYED,RET. + HOMEMAKE	1383	6.4	9.9	67.1
	52 DISABLED (ALSO STUDENT, HOMEMAKER, AND LAID OFF BUT NOT EXP	268	1.2	1.9	69.1
	70 STUDENT (ALSO INCLUDING HOMEMAKER)	95	.4	.7	69.7
	80 HOMEMAKER/OTHER NOT IN LABOR FORCE ONLY	4126	19.2	29.5	99.2
	85 UNPAID VOLUNTEER	60	.3	.4	99.7
	96 OTHER COMBINATION INCL. WORKER BESIDE 11-17	45	.2	.3	100.0
	Total	13980	64.9	100.0
Missing	-8	7520	34.9
	System	25	.1
	Total	7545	35.1
Total		21525	100.0

MAH main activity head

		Frequency	Percent
Missing	-8	21525	100.0

MAS main activity spouse

		Frequency	Percent
Missing	-8	21525	100.0

OCCH occupation of head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 MANAGERIAL AND PROFESSIONAL OCCUPATIONS	7429	34.5	46.3	46.3
	2 TECHNICAL, SALES, AND ADMINISTRATIVE SUPPORT OCCUPATIONS	3149	14.6	19.6	65.9
	3 SERVICE OCCUPATIONS	1221	5.7	7.6	73.5
	4 PRECISION PRODUCTION, CRAFT, AND REPAIR OCCUPATIONS	1874	8.7	11.7	85.2
	5 OPERATORS, FABRICATORS, AND LABORERS	1951	9.1	12.2	97.3
	6 FARMING, FORESTRY, AND FISHING OCCUPATIONS	431	2.0	2.7	100.0
	Total	16055	74.6	100.0
Missing	-8 N/A	5470	25.4
Total		21525	100.0

OCCS occupation of spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 MANAGERIAL AND PROFESSIONAL OCCUPATIONS	3654	17.0	46.8	46.8
	2 TECHNICAL, SALES, AND ADMINISTRATIVE SUPPORT OCCUPATIONS	2525	11.7	32.3	79.1
	3 SERVICE OCCUPATIONS	922	4.3	11.8	90.9
	4 PRECISION PRODUCTION, CRAFT, AND REPAIR OCCUPATIONS	212	1.0	2.7	93.6
	5 OPERATORS, FABRICATORS, AND LABORERS	409	1.9	5.2	98.8
	6 FARMING, FORESTRY, AND FISHING OCCUPATIONS	91	.4	1.2	100.0
	Total	7813	36.3	100.0
Missing	-8 N/A	13712	63.7
Total		21525	100.0

INDH industry of head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 AGRICULTURE, FORESTRY AND FISHERIES	410	1.9	2.6	2.6
	2 MINING AND COSNTRUCTION	1574	7.3	9.8	12.4
	3 MANUFACTURING	2686	12.5	16.7	29.1
	4 WHOLESALE AND RETAIL TRADE	2119	9.8	13.2	42.3
	5 FINANCE, INSURANCE AND REAL ESTATE, BUSINESS AND REPAIR SERV	3102	14.4	19.3	61.6
	6 TRANSPORT, COMMUNIC. AND OTHER PUBLIC UTILITIES, ENTERTAINME	5433	25.2	33.8	95.4
	7 PUBLIC ADMINISTRATION AND MILITARY	731	3.4	4.6	100.0
	Total	16055	74.6	100.0
Missing	-8 N/A	5470	25.4
Total		21525	100.0

INDS industry of spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 AGRICULTURE, FORESTRY AND FISHERIES	120	.6	1.5	1.5
	2 MINING AND COSNTRUCTION	170	.8	2.2	3.7
	3 MANUFACTURING	881	4.1	11.3	15.0
	4 WHOLESALE AND RETAIL TRADE	1262	5.9	16.2	31.1
	5 FINANCE, INSURANCE AND REAL ESTATE, BUSINESS AND REPAIR SERV	1075	5.0	13.8	44.9
	6 TRANSPORT, COMMUNIC. AND OTHER PUBLIC UTILITIES, ENTERTAINME	4006	18.6	51.3	96.2
	7 PUBLIC ADMINISTRATION AND MILITARY	299	1.4	3.8	100.0
	Total	7813	36.3	100.0
Missing	-8 N/A	13712	63.7
Total		21525	100.0

ACTH activity status head

		Frequency	Percent
Missing	-8	21525	100.0

ACTS activity status spouse

		Frequency	Percent
Missing	-8	21525	100.0

DISH disability status head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	0 NO	20480	95.1	95.1	95.1
	1 DISABLED	925	4.3	4.3	99.4
	2 ON SICK LEAVE OR MATERNITY LEAVE	120	.6	.6	100.0
	Total	21525	100.0	100.0

DISS disability status spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	0 NO	13660	63.5	97.5	97.5
	1 DISABLED	275	1.3	2.0	99.5
	2 ON SICK LEAVE OR MATERNITY LEAVE	70	.3	.5	100.0
	Total	14005	65.1	100.0
Missing	-8 NO SPOUSE	7520	34.9
Total		21525	100.0

HLTHH health status of head

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 EXCELLENT	7452	34.6	34.6	34.6
	2 GOOD	9947	46.2	46.2	80.8
	3 FAIR	3271	15.2	15.2	96.0
	4 POOR	855	4.0	4.0	100.0
	Total	21525	100.0	100.0

HLTHS health status of spouse

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 EXCELLENT	5759	26.8	41.2	41.2
	2 GOOD	6056	28.1	43.3	84.5
	3 FAIR	1770	8.2	12.7	97.2
	4 POOR	395	1.8	2.8	100.0
	Total	13980	64.9	100.0
Missing	-8	7520	34.9
	System	25	.1
	Total	7545	35.1
Total		21525	100.0

REGA geographic region a

		Frequency	Percent
Missing	-8	21525	100.0

REGB geographic region b

		Frequency	Percent
Missing	-8	21525	100.0

URB urban/rural indicator

		Frequency	Percent
Missing	-8	21525	100.0

HHLD household structure

		Frequency	Percent
Missing	-8	21525	100.0

FMLY family composition

		Frequency	Percent
Missing	-8	21525	100.0

OWN tenure (owned/rented housing)

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 OWN	15045	69.9	69.9	69.9
	2 RENT	5970	27.7	27.7	97.6
	3 NEITHER OWN OR RENT	510	2.4	2.4	100.0
	Total	21525	100.0	100.0

DWELL type of dwelling

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 HOME	13210	61.4	61.4	61.4
	2 CONDO	385	1.8	1.8	63.2
	3 CO-OP	240	1.1	1.1	64.3
	4 TOWNHOUSE ASSOCIATION	60	.3	.3	64.6
	5 RETIREMENT LIFETIME TENANCY	40	.2	.2	64.7
	6 RANCH/FARM	570	2.6	2.6	67.4
	7 MOBILE HOME/RV	810	3.8	3.8	71.1
	8 OTHER HOUSING (NON-OWNER)	6210	28.9	28.9	100.0
	Total	21525	100.0	100.0

RISK1 FINANCIAL RISK TAKING WILLINGNESS

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 NOT WILLING TO TAKE ANY FINANCIAL RISKS	6525	30.3	30.3	30.3
	2 TAKE AVERAGE FINANCIAL RISKS EXPECTING TO EARN AVERAGE RETUR	8666	40.3	40.3	70.6
	3 TAKE ABOVE AVERAGE FINANCIAL RISKS EXPECTING TO EARN ABOVE A	5024	23.3	23.3	93.9
	4 TAKE SUBSTANTIAL FINANCIAL RISKS EXPECTING TO EARN SUBSTANTI	1310	6.1	6.1	100.0
	Total	21525	100.0	100.0

RISK2 DEMAND FOR SAFE INVESTMENTS

		Frequency	Percent
Missing	-8	21525	100.0

RISK3 LOTTERY QUESTION

		Frequency	Percent
Missing	-8	21525	100.0

RISK4 SELF-ASSESSED ACTUAL RISK TAKING IN THE PAST

		Frequency	Percent
Missing	-8	21525	100.0

SAVE_1 SAVING MOTIVE PRIORITY 1

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	-1 DON'T/CAN'T SAVE; 'HAVE NO MONEY'	982	4.6	4.6	4.6
	1 CHILDREN'S EDUCATION / EDUCATION OF GRANDCHILDREN	1440	6.7	6.7	11.3
	2 OWN EDUCATION, SPOUSE'S EDUCATION, EDUCATION - NA FOR WHOM	972	4.5	4.5	15.8
	3 FOR THE CHILDREN/FAMILY, TO HELP THE KIDS OUT, ESTATE	913	4.2	4.2	20.0
	5 WEDDING, BAR MITZVAH AND OTHER CEREMONIES	5	.0	.0	20.0
	6 TO HAVE CHILDREN/A FAMILY	25	.1	.1	20.1
	9 TO MOVE	25	.1	.1	20.3
	11 BUYING OWN HOUSE	820	3.8	3.8	24.1
	12 PURCHASE OF COTTAGE OR SECOND HOME FOR OWN USE	10	.0	.0	24.1
	13 BUY A CAR, BOAT OR OTHER VEHICLE	191	.9	.9	25.0
	14 HOME IMPROVEMENTS/REPAIRS	55	.3	.3	25.3
	15 TO TRAVEL, TAKE VACATIONS, TAKE OTHER TIME OFF	367	1.7	1.7	27.0
	16 BUY DURABLE HOUSEHOLD GOODS, APPLIANCES, HOME FURNISHINGS, H	308	1.4	1.4	28.4
	17 BURIAL / FUNERAL EXPENSES	110	.5	.5	28.9
	18 CHARITABLE OR RELIGIOUS CONTRIBUTIONS	47	.2	.2	29.1
	20 TO ENJOY LIFE	91	.4	.4	29.6
	21 BUYING (INVESTING IN) OWN BUSINESS/ EQUIPMENT FOR BUSINESS	50	.2	.2	29.8
	22 RETIREMENT/OLD AGE	7369	34.2	34.2	64.0
	23 RESERVES IN CASE OF UNEMPLOYMENT	193	.9	.9	64.9
	24 IN CASE OF ILLNESS, MEDICAL/DENTAL EXPENSES	431	2.0	2.0	66.9
	25 EMERGENCIES, OTHER UNEXPECTED NEEDS	3676	17.1	17.1	84.0
	26 INVESTMENTS REASONS (TO GET INTEREST, TO BE DIVERSIFIED, TO	186	.9	.9	84.9
	27 TO MEET CONTRACTUAL COMMITMENTS (DEBT REPAYMENT, INSURANCE,	100	.5	.5	85.3
	28 'TO GET AHEAD'; TO ADVANCE STANDARD OF LIVING	291	1.4	1.4	86.7
	29 ORDINARY LIVING EXPENSES / BILLS	527	2.4	2.4	89.1
	31 NO REASON	140	.7	.7	89.8
	32 FOR THE FUTURE	1716	8.0	8.0	97.7
	90 HAD EXTRA INCOME; SAVED BECAUSED HAD THE MONEY LEFT OVER - N	50	.2	.2	98.0
	91 WISE/PRUDENT THING TO DO; GOOD DISCIPLINE TO SAVE; HABIT	180	.8	.8	98.8
	92 LIQUIDITY; TO HAVE CASH AVAILABLE/ON HAND	255	1.2	1.2	100.0
	Total	21525	100.0	100.0

SAVE_2 SAVING MOTIVE PRIORITY 2

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	-1 DON'T/CAN'T SAVE; 'HAVE NO MONEY'	10	.0	.1	.1
	1 CHILDREN'S EDUCATION / EDUCATION OF GRANDCHILDREN	1060	4.9	10.1	10.2
	2 OWN EDUCATION, SPOUSE'S EDUCATION, EDUCATION - NA FOR WHOM	805	3.7	7.6	17.8
	3 FOR THE CHILDREN/FAMILY, TO HELP THE KIDS OUT, ESTATE	690	3.2	6.5	24.3
	5 WEDDING, BAR MITZVAH AND OTHER CEREMONIES	10	.0	.1	24.4
	6 TO HAVE CHILDREN/A FAMILY	5	.0	.0	24.5
	9 TO MOVE	5	.0	.0	24.5
	11 BUYING OWN HOUSE	465	2.2	4.4	29.0
	12 PURCHASE OF COTTAGE OR SECOND HOME FOR OWN USE	10	.0	.1	29.0
	13 BUY A CAR, BOAT OR OTHER VEHICLE	265	1.2	2.5	31.6
	14 HOME IMPROVEMENTS/REPAIRS	70	.3	.7	32.2
	15 TO TRAVEL, TAKE VACATIONS, TAKE OTHER TIME OFF	755	3.5	7.2	39.4
	16 BUY DURABLE HOUSEHOLD GOODS, APPLIANCES, HOME FURNISHINGS, H	330	1.5	3.1	42.5
	17 BURIAL / FUNERAL EXPENSES	35	.2	.3	42.9
	18 CHARITABLE OR RELIGIOUS CONTRIBUTIONS	30	.1	.3	43.1
	20 TO ENJOY LIFE	95	.4	.9	44.0
	21 BUYING (INVESTING IN) OWN BUSINESS/ EQUIPMENT FOR BUSINESS	25	.1	.2	44.3
	22 RETIREMENT/OLD AGE	2510	11.7	23.8	68.1
	23 RESERVES IN CASE OF UNEMPLOYMENT	165	.8	1.6	69.7
	24 IN CASE OF ILLNESS, MEDICAL/DENTAL EXPENSES	390	1.8	3.7	73.4
	25 EMERGENCIES, OTHER UNEXPECTED NEEDS	1590	7.4	15.1	88.5
	26 INVESTMENTS REASONS (TO GET INTEREST, TO BE DIVERSIFIED, TO	135	.6	1.3	89.7
	27 TO MEET CONTRACTUAL COMMITMENTS (DEBT REPAYMENT, INSURANCE,	45	.2	.4	90.2
	28 'TO GET AHEAD'; TO ADVANCE STANDARD OF LIVING	80	.4	.8	90.9
	29 ORDINARY LIVING EXPENSES / BILLS	245	1.1	2.3	93.3
	31 NO REASON	5	.0	.0	93.3
	32 FOR THE FUTURE	535	2.5	5.1	98.4
	90 HAD EXTRA INCOME; SAVED BECAUSED HAD THE MONEY LEFT OVER - N	25	.1	.2	98.6
	91 WISE/PRUDENT THING TO DO; GOOD DISCIPLINE TO SAVE; HABIT	60	.3	.6	99.2
	92 LIQUIDITY; TO HAVE CASH AVAILABLE/ON HAND	85	.4	.8	100.0
	Total	10535	48.9	100.0
Missing	-8 NOT APPLICABLE	10990	51.1
Total		21525	100.0

SAVE_3 SAVING MOTIVE PRIORITY 3

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	-1 DON'T/CAN'T SAVE; 'HAVE NO MONEY'	10	.0	.3	.3
	1 CHILDREN'S EDUCATION / EDUCATION OF GRANDCHILDREN	285	1.3	8.5	8.8
	2 OWN EDUCATION, SPOUSE'S EDUCATION, EDUCATION - NA FOR WHOM	250	1.2	7.5	16.3
	3 FOR THE CHILDREN/FAMILY, TO HELP THE KIDS OUT, ESTATE	245	1.1	7.3	23.6
	5 WEDDING, BAR MITZVAH AND OTHER CEREMONIES	20	.1	.6	24.2
	6 TO HAVE CHILDREN/A FAMILY	10	.0	.3	24.5
	9 TO MOVE	5	.0	.1	24.6
	11 BUYING OWN HOUSE	180	.8	5.4	30.0
	12 PURCHASE OF COTTAGE OR SECOND HOME FOR OWN USE	10	.0	.3	30.3
	13 BUY A CAR, BOAT OR OTHER VEHICLE	125	.6	3.7	34.0
	14 HOME IMPROVEMENTS/REPAIRS	35	.2	1.0	35.1
	15 TO TRAVEL, TAKE VACATIONS, TAKE OTHER TIME OFF	440	2.0	13.1	48.2
	16 BUY DURABLE HOUSEHOLD GOODS, APPLIANCES, HOME FURNISHINGS, H	240	1.1	7.2	55.4
	18 CHARITABLE OR RELIGIOUS CONTRIBUTIONS	15	.1	.4	55.8
	20 TO ENJOY LIFE	65	.3	1.9	57.8
	21 BUYING (INVESTING IN) OWN BUSINESS/ EQUIPMENT FOR BUSINESS	25	.1	.7	58.5
	22 RETIREMENT/OLD AGE	475	2.2	14.2	72.7
	23 RESERVES IN CASE OF UNEMPLOYMENT	40	.2	1.2	73.9
	24 IN CASE OF ILLNESS, MEDICAL/DENTAL EXPENSES	125	.6	3.7	77.6
	25 EMERGENCIES, OTHER UNEXPECTED NEEDS	395	1.8	11.8	89.4
	26 INVESTMENTS REASONS (TO GET INTEREST, TO BE DIVERSIFIED, TO	45	.2	1.3	90.7
	27 TO MEET CONTRACTUAL COMMITMENTS (DEBT REPAYMENT, INSURANCE,	35	.2	1.0	91.8
	28 'TO GET AHEAD'; TO ADVANCE STANDARD OF LIVING	35	.2	1.0	92.8
	29 ORDINARY LIVING EXPENSES / BILLS	95	.4	2.8	95.7
	32 FOR THE FUTURE	95	.4	2.8	98.5
	90 HAD EXTRA INCOME; SAVED BECAUSED HAD THE MONEY LEFT OVER - N	5	.0	.1	98.7
	91 WISE/PRUDENT THING TO DO; GOOD DISCIPLINE TO SAVE; HABIT	20	.1	.6	99.3
	92 LIQUIDITY; TO HAVE CASH AVAILABLE/ON HAND	25	.1	.7	100.0
	Total	3350	15.6	100.0
Missing	-8 NOT APPLICABLE	18175	84.4
Total		21525	100.0

SAVE_4 SAVING MOTIVE PRIORITY 4

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 CHILDREN'S EDUCATION / EDUCATION OF GRANDCHILDREN	25	.1	3.4	3.4
	2 OWN EDUCATION, SPOUSE'S EDUCATION, EDUCATION - NA FOR WHOM	40	.2	5.4	8.8
	3 FOR THE CHILDREN/FAMILY, TO HELP THE KIDS OUT, ESTATE	70	.3	9.5	18.2
	11 BUYING OWN HOUSE	50	.2	6.8	25.0
	13 BUY A CAR, BOAT OR OTHER VEHICLE	35	.2	4.7	29.7
	14 HOME IMPROVEMENTS/REPAIRS	35	.2	4.7	34.5
	15 TO TRAVEL, TAKE VACATIONS, TAKE OTHER TIME OFF	60	.3	8.1	42.6
	16 BUY DURABLE HOUSEHOLD GOODS, APPLIANCES, HOME FURNISHINGS, H	80	.4	10.8	53.4
	20 TO ENJOY LIFE	25	.1	3.4	56.8
	21 BUYING (INVESTING IN) OWN BUSINESS/ EQUIPMENT FOR BUSINESS	20	.1	2.7	59.5
	22 RETIREMENT/OLD AGE	60	.3	8.1	67.6
	23 RESERVES IN CASE OF UNEMPLOYMENT	10	.0	1.4	68.9
	24 IN CASE OF ILLNESS, MEDICAL/DENTAL EXPENSES	30	.1	4.1	73.0
	25 EMERGENCIES, OTHER UNEXPECTED NEEDS	110	.5	14.9	87.8
	26 INVESTMENTS REASONS (TO GET INTEREST, TO BE DIVERSIFIED, TO	35	.2	4.7	92.6
	27 TO MEET CONTRACTUAL COMMITMENTS (DEBT REPAYMENT, INSURANCE,	20	.1	2.7	95.3
	28 'TO GET AHEAD'; TO ADVANCE STANDARD OF LIVING	5	.0	.7	95.9
	29 ORDINARY LIVING EXPENSES / BILLS	20	.1	2.7	98.6
	91 WISE/PRUDENT THING TO DO; GOOD DISCIPLINE TO SAVE; HABIT	5	.0	.7	99.3
	92 LIQUIDITY; TO HAVE CASH AVAILABLE/ON HAND	5	.0	.7	100.0
	Total	740	3.4	100.0
Missing	-8 NOT APPLICABLE	20785	96.6
Total		21525	100.0

SAVE_5 SAVING MOTIVE PRIORITY 5

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 CHILDREN'S EDUCATION / EDUCATION OF GRANDCHILDREN	5	.0	4.8	4.8
	2 OWN EDUCATION, SPOUSE'S EDUCATION, EDUCATION - NA FOR WHOM	5	.0	4.8	9.5
	3 FOR THE CHILDREN/FAMILY, TO HELP THE KIDS OUT, ESTATE	5	.0	4.8	14.3
	13 BUY A CAR, BOAT OR OTHER VEHICLE	5	.0	4.8	19.0
	15 TO TRAVEL, TAKE VACATIONS, TAKE OTHER TIME OFF	15	.1	14.3	33.3
	16 BUY DURABLE HOUSEHOLD GOODS, APPLIANCES, HOME FURNISHINGS, H	15	.1	14.3	47.6
	18 CHARITABLE OR RELIGIOUS CONTRIBUTIONS	5	.0	4.8	52.4
	22 RETIREMENT/OLD AGE	10	.0	9.5	61.9
	24 IN CASE OF ILLNESS, MEDICAL/DENTAL EXPENSES	10	.0	9.5	71.4
	25 EMERGENCIES, OTHER UNEXPECTED NEEDS	20	.1	19.0	90.5
	31 NO REASON	5	.0	4.8	95.2
	91 WISE/PRUDENT THING TO DO; GOOD DISCIPLINE TO SAVE; HABIT	5	.0	4.8	100.0
	Total	105	.5	100.0
Missing	-8 NOT APPLICABLE	21420	99.5
Total		21525	100.0

SAVE_6 SAVING MOTIVE PRIORITY 6

		Frequency	Percent
Missing	-8 NOT APPLICABLE	21525	100.0

HORIZ FINANCIAL TIME HORIZON

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 NEXT FEW MONTHS	3487	16.2	16.2	16.2
	2 NEXT YEAR	2526	11.7	11.7	27.9
	3 NEXT FEW YEARS	5870	27.3	27.3	55.2
	4 NEXT 5-10 YEARS	5659	26.3	26.3	81.5
	5 LONGER THAN 10 YEARS	3983	18.5	18.5	100.0
	Total	21525	100.0	100.0

SPEND MONEY SHOULD BE SPENT

		Frequency	Percent
Missing	-8	21525	100.0

FLIT1 EFFORT OR TIME SPENT IN OBTAINING FINANCIAL INFORMATION

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 ALMOST NO SHOPPING	4713	21.9	21.9	21.9
	2	1473	6.8	6.8	28.7
	3 MODERATE SHOPPING	8227	38.2	38.2	67.0
	4	2644	12.3	12.3	79.2
	5 A GREAT DEAL OF SHOPPING	4468	20.8	20.8	100.0
	Total	21525	100.0	100.0

FLIT2_1 IMPORTANT FINANCIAL INFORMATION SOURCES 1

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 *CALL AROUND	5997	27.9	27.9	27.9
	2 *MAGAZINES/NEWSPAPERS	2065	9.6	9.6	37.5
	3 *MATERIAL IN THE MAIL	903	4.2	4.2	41.6
	4 *TELEVISION/RADIO	481	2.2	2.2	43.9
	5 *ONLINE SERVICE/INTERNET	460	2.1	2.1	46.0
	6 *ADVERTISEMENTS	540	2.5	2.5	48.5
	7 *FRIEND/RELATIVE	2687	12.5	12.5	61.0
	8 *LAWYER	230	1.1	1.1	62.1
	9 *ACCOUNTANT	660	3.1	3.1	65.1
	10 *BANKER	2817	13.1	13.1	78.2
	11 *BROKER	270	1.3	1.3	79.5
	12 *FINANCIAL PLANNER	545	2.5	2.5	82.0
	13 *SELF(NOT SHOWN ON CARD); SPOUSE/PARTNER	865	4.0	4.0	86.0
	14 *NEVER BORROW	2745	12.8	12.8	98.8
	16 DON'T SHOP AROUND; ALWAYS USE SAME INSTITUTION	85	.4	.4	99.2
	17 PAST EXPERIENCE	15	.1	.1	99.3
	18 MATERIAL FROM WORK/BUSINESS CONTACTS	20	.1	.1	99.3
	19 OTHER PERSONAL RESEARCH	40	.2	.2	99.5
	20 REAL ESTATE BROKER; BUILDER	5	.0	.0	99.6
	21 OTHER INSTITUTIONAL SOURCE (E.G., COLLEGE, SOCIAL SERVICE AG	25	.1	.1	99.7
	22 SHOP AROUND	40	.2	.2	99.9
	23 STORE; DEALER	30	.1	.1	100.0
	Total	21525	100.0	100.0

FLIT2_2 IMPORTANT FINANCIAL INFORMATION SOURCES 2

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 *CALL AROUND	765	3.6	5.8	5.8
	2 *MAGAZINES/NEWSPAPERS	2545	11.8	19.4	25.2
	3 *MATERIAL IN THE MAIL	1101	5.1	8.4	33.6
	4 *TELEVISION/RADIO	826	3.8	6.3	39.8
	5 *ONLINE SERVICE/INTERNET	769	3.6	5.8	45.7
	6 *ADVERTISEMENTS	1093	5.1	8.3	54.0
	7 *FRIEND/RELATIVE	1955	9.1	14.9	68.9
	8 *LAWYER	385	1.8	2.9	71.8
	9 *ACCOUNTANT	620	2.9	4.7	76.5
	10 *BANKER	1575	7.3	12.0	88.5
	11 *BROKER	405	1.9	3.1	91.6
	12 *FINANCIAL PLANNER	552	2.6	4.2	95.8
	13 *SELF(NOT SHOWN ON CARD); SPOUSE/PARTNER	355	1.6	2.7	98.5
	14 *NEVER BORROW	105	.5	.8	99.3
	16 DON'T SHOP AROUND; ALWAYS USE SAME INSTITUTION	20	.1	.2	99.4
	18 MATERIAL FROM WORK/BUSINESS CONTACTS	5	.0	.0	99.5
	19 OTHER PERSONAL RESEARCH	20	.1	.2	99.6
	20 REAL ESTATE BROKER; BUILDER	5	.0	.0	99.7
	21 OTHER INSTITUTIONAL SOURCE (E.G., COLLEGE, SOCIAL SERVICE AG	20	.1	.2	99.8
	22 SHOP AROUND	5	.0	.0	99.8
	23 STORE; DEALER	15	.1	.1	100.0
	24 INSURANCE AGENT	5	.0	.0	100.0
	Total	13146	61.1	100.0
Missing	-8	8379	38.9
Total		21525	100.0

FLIT2_3 IMPORTANT FINANCIAL INFORMATION SOURCES 3

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 *CALL AROUND	290	1.3	3.3	3.3
	2 *MAGAZINES/NEWSPAPERS	510	2.4	5.9	9.2
	3 *MATERIAL IN THE MAIL	1100	5.1	12.7	21.9
	4 *TELEVISION/RADIO	809	3.8	9.3	31.2
	5 *ONLINE SERVICE/INTERNET	700	3.3	8.1	39.2
	6 *ADVERTISEMENTS	836	3.9	9.6	48.9
	7 *FRIEND/RELATIVE	1596	7.4	18.4	67.2
	8 *LAWYER	300	1.4	3.5	70.7
	9 *ACCOUNTANT	477	2.2	5.5	76.2
	10 *BANKER	920	4.3	10.6	86.8
	11 *BROKER	395	1.8	4.5	91.3
	12 *FINANCIAL PLANNER	413	1.9	4.8	96.1
	13 *SELF(NOT SHOWN ON CARD); SPOUSE/PARTNER	250	1.2	2.9	98.9
	14 *NEVER BORROW	15	.1	.2	99.1
	16 DON'T SHOP AROUND; ALWAYS USE SAME INSTITUTION	13	.1	.1	99.3
	18 MATERIAL FROM WORK/BUSINESS CONTACTS	20	.1	.2	99.5
	19 OTHER PERSONAL RESEARCH	15	.1	.2	99.7
	20 REAL ESTATE BROKER; BUILDER	5	.0	.1	99.7
	21 OTHER INSTITUTIONAL SOURCE (E.G., COLLEGE, SOCIAL SERVICE AG	15	.1	.2	99.9
	23 STORE; DEALER	5	.0	.1	99.9
	24 INSURANCE AGENT	5	.0	.1	100.0
	Total	8689	40.4	100.0
Missing	-8	12836	59.6
Total		21525	100.0

FLIT2_4 IMPORTANT FINANCIAL INFORMATION SOURCES 4

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 *CALL AROUND	155	.7	3.3	3.3
	2 *MAGAZINES/NEWSPAPERS	190	.9	4.0	7.3
	3 *MATERIAL IN THE MAIL	120	.6	2.5	9.8
	4 *TELEVISION/RADIO	680	3.2	14.3	24.1
	5 *ONLINE SERVICE/INTERNET	250	1.2	5.3	29.4
	6 *ADVERTISEMENTS	575	2.7	12.1	41.5
	7 *FRIEND/RELATIVE	940	4.4	19.8	61.3
	8 *LAWYER	160	.7	3.4	64.7
	9 *ACCOUNTANT	340	1.6	7.2	71.9
	10 *BANKER	590	2.7	12.4	84.3
	11 *BROKER	255	1.2	5.4	89.7
	12 *FINANCIAL PLANNER	300	1.4	6.3	96.0
	13 *SELF(NOT SHOWN ON CARD); SPOUSE/PARTNER	145	.7	3.1	99.1
	14 *NEVER BORROW	5	.0	.1	99.2
	17 PAST EXPERIENCE	5	.0	.1	99.3
	18 MATERIAL FROM WORK/BUSINESS CONTACTS	10	.0	.2	99.5
	19 OTHER PERSONAL RESEARCH	15	.1	.3	99.8
	22 SHOP AROUND	10	.0	.2	100.0
	Total	4745	22.0	100.0
Missing	-8	16780	78.0
Total		21525	100.0

FLIT2_5 IMPORTANT FINANCIAL INFORMATION SOURCES 5

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 *CALL AROUND	60	.3	2.3	2.3
	2 *MAGAZINES/NEWSPAPERS	70	.3	2.6	4.9
	3 *MATERIAL IN THE MAIL	50	.2	1.9	6.8
	4 *TELEVISION/RADIO	60	.3	2.3	9.0
	5 *ONLINE SERVICE/INTERNET	255	1.2	9.6	18.6
	6 *ADVERTISEMENTS	415	1.9	15.6	34.3
	7 *FRIEND/RELATIVE	470	2.2	17.7	52.0
	8 *LAWYER	130	.6	4.9	56.9
	9 *ACCOUNTANT	175	.8	6.6	63.5
	10 *BANKER	380	1.8	14.3	77.8
	11 *BROKER	180	.8	6.8	84.6
	12 *FINANCIAL PLANNER	245	1.1	9.2	93.8
	13 *SELF(NOT SHOWN ON CARD); SPOUSE/PARTNER	145	.7	5.5	99.2
	19 OTHER PERSONAL RESEARCH	5	.0	.2	99.4
	21 OTHER INSTITUTIONAL SOURCE (E.G., COLLEGE, SOCIAL SERVICE AG	10	.0	.4	99.8
	22 SHOP AROUND	5	.0	.2	100.0
	Total	2655	12.3	100.0
Missing	-8	18870	87.7
Total		21525	100.0

FLIT2_6 IMPORTANT FINANCIAL INFORMATION SOURCES 6

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 *CALL AROUND	25	.1	1.7	1.7
	2 *MAGAZINES/NEWSPAPERS	15	.1	1.0	2.7
	3 *MATERIAL IN THE MAIL	35	.2	2.4	5.2
	4 *TELEVISION/RADIO	25	.1	1.7	6.9
	5 *ONLINE SERVICE/INTERNET	25	.1	1.7	8.6
	6 *ADVERTISEMENTS	205	1.0	14.1	22.7
	7 *FRIEND/RELATIVE	365	1.7	25.1	47.8
	8 *LAWYER	65	.3	4.5	52.2
	9 *ACCOUNTANT	145	.7	10.0	62.2
	10 *BANKER	175	.8	12.0	74.2
	11 *BROKER	125	.6	8.6	82.8
	12 *FINANCIAL PLANNER	145	.7	10.0	92.8
	13 *SELF(NOT SHOWN ON CARD); SPOUSE/PARTNER	85	.4	5.8	98.6
	18 MATERIAL FROM WORK/BUSINESS CONTACTS	5	.0	.3	99.0
	19 OTHER PERSONAL RESEARCH	5	.0	.3	99.3
	20 REAL ESTATE BROKER; BUILDER	10	.0	.7	100.0
	Total	1455	6.8	100.0
Missing	-8	20070	93.2
Total		21525	100.0

FLIT2_7 IMPORTANT FINANCIAL INFORMATION SOURCES 7

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1 *CALL AROUND	5	.0	.6	.6
	2 *MAGAZINES/NEWSPAPERS	10	.0	1.3	1.9
	3 *MATERIAL IN THE MAIL	5	.0	.6	2.5
	4 *TELEVISION/RADIO	10	.0	1.3	3.8
	5 *ONLINE SERVICE/INTERNET	5	.0	.6	4.4
	6 *ADVERTISEMENTS	15	.1	1.9	6.3
	7 *FRIEND/RELATIVE	185	.9	23.1	29.4
	8 *LAWYER	60	.3	7.5	36.9
	9 *ACCOUNTANT	110	.5	13.8	50.6
	10 *BANKER	170	.8	21.3	71.9
	11 *BROKER	55	.3	6.9	78.8
	12 *FINANCIAL PLANNER	65	.3	8.1	86.9
	13 *SELF(NOT SHOWN ON CARD); SPOUSE/PARTNER	85	.4	10.6	97.5
	18 MATERIAL FROM WORK/BUSINESS CONTACTS	10	.0	1.3	98.8
	19 OTHER PERSONAL RESEARCH	5	.0	.6	99.4
	22 SHOP AROUND	5	.0	.6	100.0
	Total	800	3.7	100.0
Missing	-8	20725	96.3
Total		21525	100.0

FLIT2_8 IMPORTANT FINANCIAL INFORMATION SOURCES 8

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	4 *TELEVISION/RADIO	15	.1	3.3	3.3
	6 *ADVERTISEMENTS	10	.0	2.2	5.4
	8 *LAWYER	70	.3	15.2	20.7
	9 *ACCOUNTANT	90	.4	19.6	40.2
	10 *BANKER	105	.5	22.8	63.0
	11 *BROKER	80	.4	17.4	80.4
	12 *FINANCIAL PLANNER	45	.2	9.8	90.2
	13 *SELF(NOT SHOWN ON CARD); SPOUSE/PARTNER	40	.2	8.7	98.9
	21 OTHER INSTITUTIONAL SOURCE (E.G., COLLEGE, SOCIAL SERVICE AG	5	.0	1.1	100.0
	Total	460	2.1	100.0
Missing	-8	21065	97.9
Total		21525	100.0

FLIT2_9 IMPORTANT FINANCIAL INFORMATION SOURCES 9

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	5 *ONLINE SERVICE/INTERNET	5	.0	2.1	2.1
	7 *FRIEND/RELATIVE	10	.0	4.2	6.3
	9 *ACCOUNTANT	45	.2	18.8	25.0
	10 *BANKER	60	.3	25.0	50.0
	11 *BROKER	35	.2	14.6	64.6
	12 *FINANCIAL PLANNER	55	.3	22.9	87.5
	13 *SELF(NOT SHOWN ON CARD); SPOUSE/PARTNER	30	.1	12.5	100.0
	Total	240	1.1	100.0
Missing	-8	21285	98.9
Total		21525	100.0

FLIT2_10 IMPORTANT FINANCIAL INFORMATION SOURCES 10

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	8 *LAWYER	5	.0	3.1	3.1
	10 *BANKER	35	.2	21.9	25.0
	11 *BROKER	50	.2	31.3	56.3
	12 *FINANCIAL PLANNER	40	.2	25.0	81.3
	13 *SELF(NOT SHOWN ON CARD); SPOUSE/PARTNER	25	.1	15.6	96.9
	21 OTHER INSTITUTIONAL SOURCE (E.G., COLLEGE, SOCIAL SERVICE AG	5	.0	3.1	100.0
	Total	160	.7	100.0
Missing	-8	21365	99.3
Total		21525	100.0

CARD POSSESSION OF CREDIT CARDS

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	0 NO	4547	21.1	21.1	21.1
	1 YES	16978	78.9	78.9	100.0
	Total	21525	100.0	100.0

NCARD NUMBER OF CREDIT CARDS

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	1	1935	9.0	11.4	11.4
	2	2188	10.2	12.9	24.3
	3	2364	11.0	13.9	38.2
	4	1968	9.1	11.6	49.8
	5	1440	6.7	8.5	58.3
	6	1493	6.9	8.8	67.1
	7	1275	5.9	7.5	74.6
	8	1006	4.7	5.9	80.5
	9	724	3.4	4.3	84.8
	10	554	2.6	3.3	88.0
	11	430	2.0	2.5	90.6
	12	335	1.6	2.0	92.5
	13	274	1.3	1.6	94.2
	14	233	1.1	1.4	95.5
	15	158	.7	.9	96.5
	16	156	.7	.9	97.4
	17	96	.4	.6	97.9
	18	118	.5	.7	98.6
	19	70	.3	.4	99.1
	20	47	.2	.3	99.3
	21	18	.1	.1	99.4
	22	39	.2	.2	99.7
	23	22	.1	.1	99.8
	24	15	.1	.1	99.9
	25	5	.0	.0	99.9
	26	5	.0	.0	99.9
	28	5	.0	.0	100.0
	31	5	.0	.0	100.0
	Total	16978	78.9	100.0
Missing	-8 NOT APPLICABLE	4547	21.1
Total		21525	100.0

ONBK USE ONLINE BANKING

		Frequency	Percent
Missing	-8	21525	100.0

HLTH1 FREQUENCY OF SPORTS

		Frequency	Percent
Missing	-8	21525	100.0

HLTH2A SMOKER

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	0 NO	16747	77.8	77.8	77.8
	1 YES	4778	22.2	22.2	100.0
	Total	21525	100.0	100.0

HLTH2B CIGARETTES PER DAY

		Frequency	Percent
Missing	-8	21525	100.0

ATT1 OVERALL HAPPINESS

		Frequency	Percent
Missing	-8	21525	100.0

ATT2 LEVEL OF WORRY

		Frequency	Percent
Missing	-8	21525	100.0

ATT3 VOLUNTEER COMMITMENT

		Frequency	Percent	Valid Percent	Cumulative Percent
Valid	0 NO	14493	67.3	67.3	67.3
	1 YES	7032	32.7	32.7	100.0
	Total	21525	100.0	100.0

Descriptives for the US SCF 1997 LWS extra variables

Descriptives

Descriptive Statistics

	N	Minimum	Maximum	Mean	Std. Deviation
NRIR NON-RESIDENTIAL INV REAL ESTATE	21525	0	400870000	380917.80	5787415.673
DIPLH HEAD HIGHEST DEGREE EARNED	21525	0	11	1.14	1.489
DIPLS SPOUSE HIGHEST DEGREE EARNED	14005	0	11	1.07	1.512
TOTPEN TOTAL AMOUNT OF ALL PENSIONS RECEIVED	21525	0	3000000	5390.06	47590.208
Valid N (listwise)	14005

Frequencies for the US SCF 1997 LWS extra variables

Frequencies

Statistics

		DIPLH HEAD HIGHEST DEGREE EARNED	DIPLS SPOUSE HIGHEST DEGREE EARNED
N	Valid	21525	14005
	Missing	0	7520

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	11927	55.4	55.4	55.4
	1 ASSOCIATE'S AND OTHER JUNIOR COLLEGE DEGREE	1094	5.1	5.1	60.5
	2 BACHELOR'S DEGREE	4417	20.5	20.5	81.0
	3 MASTER'S DEGREE (MA/MS/MBA)	2177	10.1	10.1	91.1
	4 PH.D.INCL POST-DOC, MD/DDS/DMD/DO, LAW/JD, DVM, ETC.	1845	8.6	8.6	99.7
	11 NURSING(RN,LPN), CHIROPRACTIC, NAPRAPATHY, HOMEOPATHY, PHARM	65	.3	.3	100.0
	Total	21525	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	7747	36.0	55.3	55.3
	1 ASSOCIATE'S AND OTHER JUNIOR COLLEGE DEGREE	870	4.0	6.2	61.5
	2 BACHELOR'S DEGREE	3367	15.6	24.0	85.6
	3 MASTER'S DEGREE (MA/MS/MBA)	1387	6.4	9.9	95.5
	4 PH.D.INCL POST-DOC, MD/DDS/DMD/DO, LAW/JD, DVM, ETC.	527	2.4	3.8	99.2
	11 NURSING(RN,LPN), CHIROPRACTIC, NAPRAPATHY, HOMEOPATHY, PHARM	107	.5	.8	100.0
	Total	14005	65.1	100.0
Missing	-8	7520	34.9
Total		21525	100.0