LWS - United States 2013 : household file Codebook generated: 2016-06-24 ------------------------------------------------------------------------------------------------------------------------------------------------ IDENTIFIERS ------------------------------------------------------------------------------------------------------------------------------------------------ Variable Description N Min. Max. Mean SD ----------------------------------------------------------------------------------------------------------------------------------------------- hid unique unit identifier 30075 1 6026 3013.27 1739.21 did unique country/year number -------------------------------------------------- N value 30075 337 dname country/year identifier -------------------------------------------------- N value 30075 "us13" cname country name -------------------------------------------------- N value 30075 "United States" iso2 2-letter country abbreviation -------------------------------------------------- N value 30075 "us" year reference year -------------------------------------------------- N value 30075 2013 wave data wave -------------------------------------------------------------------------------- N code label 30075 9 Wave IX ------------------------------------------------------------------------------------------------------------------------------------------------ FILE INFORMATION ------------------------------------------------------------------------------------------------------------------------------------------------ Variable Description N Min. Max. Mean SD ----------------------------------------------------------------------------------------------------------------------------------------------- hwgt household weight (normalised) 30075 0 4.33 1.66 0.9 hpopwgt household weight (inflated) 30075 8.1 53086.83 20370.8 10998.7 inum implicate number 30075 1 5 3 1.41 svyunit survey unit -------------------------------------------------------------------------------- N code label 30075 2 economic family ------------------------------------------------------------------------------------------------------------------------------------------------ GEOGRAPHICAL CHARACTERISTICS ------------------------------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------------------------------ DWELLING CHARACTERISTICS ------------------------------------------------------------------------------------------------------------------------------------------------ own owned/rented housing -------------------------------------------------------------------------------- N code label 30 100 owned 8113 110 owned outright 11882 120 owned with mortgage 9515 210 rented 530 220 free housing 5 . dweltyp type of dwelling -------------------------------------------------------------------------------- N code label 17390 100 house 1605 200 multi-unit residential building 1515 310 movable dwelling 9565 . NOTES: 1. [us13] Missings (.) represents those who live in a house/townhouse/apartment and pay rent. ------------------------------------------------------------------------------------------------------------------------------------------------ FARMING CHARACTERISTICS ------------------------------------------------------------------------------------------------------------------------------------------------ farm farm household (dummy) -------------------------------------------------------------------------------- N code label 29460 0 not farm household 615 1 farm household agriland ownership of agricultural land -------------------------------------------------------------------------------- N code label 615 100 owns or rents agricultural land 29460 200 does not own nor rent agricultural land farming farming activity -------------------------------------------------------------------------------- N code label 300 100 runs a farming activity 29775 200 does not run a farming activity ------------------------------------------------------------------------------------------------------------------------------------------------ HOUSEHOLD COMPOSITION ------------------------------------------------------------------------------------------------------------------------------------------------ hhtype household composition -------------------------------------------------------------------------------- N code label 8020 100 one person household 9020 210 couple without children 8765 220 couple with children 2470 230 one parent with children 285 310 couple without children and relatives 490 320 couple with children and relatives 315 330 one parent with children and relatives 450 400 relatives living together (no family nucleus) 65 510 couple without children and nonrelatives 50 520 couple with children and nonrelatives 35 530 one parent with children and nonrelatives 5 610 couple without children and relatives and nonrelatives 25 620 couple with children and relatives and nonrelatives 10 630 one parent with children and relatives and nonrelatives 15 700 relatives and nonrelatives living together (no family nucleus) 55 800 nonrelatives living together hpartner head living with partner -------------------------------------------------------------------------------- N code label 16310 110 married couple 2395 120 non-married cohabiting couple 11370 200 head not living with partner nhhmem number of household members -------------------------------------------------------------------------------- N code label 8020 1 1 hh member 10690 2 2 hh members 4190 3 3 hh members 4175 4 4 hh members 1990 5 5 hh members 705 6 6 hh members 195 7 7 hh members 75 8 8 hh members 25 9 9 hh members 10 10 10 hh members nhhmem65 number of household members 65 or older -------------------------------------------------------------------------------- N code label 22773 0 no hh members 65 or older 4452 1 1 hh member 65 or older 2840 2 2 hh members 65 or older 10 3 3 hh members 65 or older nhhmem17 number of household members 17 or younger -------------------------------------------------------------------------------- N code label 19660 0 no hh members 17 or younger 4140 1 1 hh member 17 or younger 3820 2 2 hh member 17 or younger 1700 3 3 hh member 17 or younger 570 4 4 hh member 17 or younger 130 5 5 hh member 17 or younger 40 6 6 hh member 17 or younger 15 7 7 hh member 17 or younger ------------------------------------------------------------------------------------------------------------------------------------------------ CURRENT INCOME ------------------------------------------------------------------------------------------------------------------------------------------------ NOTES: hiap: 1. [us13] the amounts refer to net income from Social Security or other pensions, annuities, or other disability or retirement programs(IRS form 1040 line number 16a,20a). Variable Description N Min. Max. Mean SD ----------------------------------------------------------------------------------------------------------------------------------------------- hi total income, household 29945 -685000 153600000 652978 4500000 hil labour income, household 30010 -1e+06 24470000 151336 817367 hile paid employment income, household 30075 0 22120000 120859 643037 hils self-employment income, household 30010 -1e+06 24470000 30380.3 473789 hic capital income, household 29990 -1e+06 152300000 486745 4300000 hicid interest and dividends, household 30075 0 48528000 108148 1100000 hit transfer income, household 30075 0 1950000 12388.9 45865.5 hits social security transfers, household 30075 0 1950000 12054.3 45809.6 hitsi work-related insurance transfers, household 30075 0 1950000 11508.7 45859.4 hitsa assistance benefits, household 30075 0 41000 545.62 2145.88 hitp private transfers, household 30075 0 122000 334.59 3283.22 hitpih inter-household transfers, household 30075 0 122000 334.59 3283.22 hiap total pension income, household 30075 0 1950000 11072 45866 ------------------------------------------------------------------------------------------------------------------------------------------------ WINDFALL INCOME ------------------------------------------------------------------------------------------------------------------------------------------------ Variable Description N Min. Max. Mean SD ----------------------------------------------------------------------------------------------------------------------------------------------- hwc windfall capital income, household 30075 -1e+06 100500000 135863 1900000 hwcg capital gains, household 30075 -1e+06 100500000 135863 1900000 ------------------------------------------------------------------------------------------------------------------------------------------------ NON-CONSUMPTION EXPENDITURE ------------------------------------------------------------------------------------------------------------------------------------------------ Variable Description N Min. Max. Mean SD ----------------------------------------------------------------------------------------------------------------------------------------------- hxit income taxes and social contributions, household 30075 -6267 58166392 208404 1600000 hxiti income taxes, household 30075 -9191 58118692 200250 1600000 hxits social security contributions, household 30075 0 652930 8154.32 20202.9 hxot other taxes, household 30075 0 222000 4891.85 11892.4 hxotp property taxes, household 30075 0 222000 4891.85 11892.4 hxih inter-household transfers paid, household 30075 0 17850000 17959.8 322403 hxch donations to charity, household 30075 0 25430000 47979.5 527507 ------------------------------------------------------------------------------------------------------------------------------------------------ CONSUMPTION ------------------------------------------------------------------------------------------------------------------------------------------------ NOTES: hcresto: 1. [us13] includes only amounts spend on food delivered to the customer's home as well as eating out. Variable Description N Min. Max. Mean SD ----------------------------------------------------------------------------------------------------------------------------------------------- hcfood food and non-alcoholic beverages, household 30075 0 62400 6897.06 5189.09 hchous housing and utilities, household 30075 0 408000 3573.7 9949.43 hchousa actual rent, household 30075 0 408000 3573.7 9949.43 hcresto restaurants and hotels, household 3249 0 203960 5497.6 9951.32 ------------------------------------------------------------------------------------------------------------------------------------------------ ASSETS - LIABILITIES TRANSACTIONS ------------------------------------------------------------------------------------------------------------------------------------------------ Variable Description N Min. Max. Mean SD ----------------------------------------------------------------------------------------------------------------------------------------------- hts proceeds from sales, household 30075 0 2690000 3796.16 45483.1 htsf sales of financial products, household 30075 0 2690000 3796.16 45483.1 htil inflows from loans, household 30060 0 2.29e+08 89477.5 2800000 htilm mortgage, household 30075 0 10720000 31572.5 248842 htilo other loans, household 30075 0 2.29e+08 57278.5 2800000 htilr repayments from borrowings, household 30060 0 840000 583.52 13830.3 htp purchases, household 30075 0 18160000 19811.6 306124 htpr purchases of real estate, household 30075 0 18160000 19811.6 306124 htol outflows from loans, household 29587 0 40680000 28785.5 552331 htolm mortgage repayments, household 30070 0 6e+05 8198.84 21340.5 htolo other loans repayments, household 29592 0 40680000 20662.6 551550 ------------------------------------------------------------------------------------------------------------------------------------------------ MAJOR AGGREGATES ------------------------------------------------------------------------------------------------------------------------------------------------ Variable Description N Min. Max. Mean SD ----------------------------------------------------------------------------------------------------------------------------------------------- dhi disposable household income 29945 -685472 95421608 445179 3e+06 ------------------------------------------------------------------------------------------------------------------------------------------------ ADDITIONAL INFORMATION ------------------------------------------------------------------------------------------------------------------------------------------------ currency currency units -------------------------------------------------------------------------------- N code label 30075 840 USD - US Dollar Variable Description N Min. Max. Mean SD ----------------------------------------------------------------------------------------------------------------------------------------------- deflator deflation factor 30075 1 1 1 0 grossnet gross/net income information -------------------------------------------------------------------------------- N code label 30075 120 gross, taxes and contributions imputed ------------------------------------------------------------------------------------------------------------------------------------------------ ASSETS ------------------------------------------------------------------------------------------------------------------------------------------------ Variable Description N Min. Max. Mean SD ----------------------------------------------------------------------------------------------------------------------------------------------- han non-financial assets 30075 -2407700 1.064e+09 5300000 3.9e+07 hanr real estate 30075 0 357400000 1300000 8100000 hanrp principal residence 30075 0 37150000 528038 1700000 hanro other real estate 30075 0 343300000 767234 7400000 hann non-housing assets 30075 -2598700 1.046e+09 4100000 3.5e+07 hannb business equity 30075 -2627000 1.046e+09 3800000 3.5e+07 hannc consumer goods 30075 0 176600000 195047 3200000 hanncv vehicles 30075 0 46202700 62849.2 742695 hanncd other durables and valuables 30075 0 176500000 132197 3e+06 hanno other non-financial assets 30075 0 9e+06 10551.7 227216 haf financial assets (excluding pensions) 30075 0 9.99e+08 3600000 2.7e+07 hafc deposit accounts and cash 30075 0 55770000 283138 2e+06 hafi financial investments 30075 0 943200000 3300000 2.6e+07 hafib bonds and other debt securities 30075 0 289800000 224591 4100000 hafis stocks and other equity 30075 0 7e+08 1700000 1.6e+07 hafii investment funds and alternative investments 30075 0 7.5e+08 1400000 1.5e+07 hafo other non-pension financial assets 30075 0 2e+07 26853.6 427871 hasi life insurance and voluntary individual pensions 30075 0 90170000 311230 2e+06 hasil life insurance accounts 30075 0 79740000 60672.3 1e+06 hasip individual voluntary pension accounts 30075 0 87770000 250557 1700000 hasodc occupational pensions (DC schemes) 30075 0 7500000 35446.6 211544 ------------------------------------------------------------------------------------------------------------------------------------------------ LIABILITIES ------------------------------------------------------------------------------------------------------------------------------------------------ Variable Description N Min. Max. Mean SD ----------------------------------------------------------------------------------------------------------------------------------------------- hl total liabilities 30075 0 282300000 267581 3900000 hlr real estate liabilities 30075 0 31590000 140064 537775 hlrp principal residence loans 30075 0 31590000 104897 408483 hlro other real estate loans 30075 0 10060000 35166.8 272255 hln non-housing liabilities 30075 0 282300000 127517 3800000 hlni investment loans 30075 0 282200000 95339.6 3800000 hlnc consumer goods loans 30075 0 30422000 25328.4 403766 hlncv vehicle loans 30075 0 6640000 8540.64 117771 hlncd other loans for goods and consumption 30075 0 29500000 16787.7 378060 hlne education loans 30075 0 464000 5400.5 21203.5 hlno other non-housing liabilities 30075 0 3290000 1448.62 42875 hlsr institutional loans secured by real estate 30075 0 17280000 146320 518593 hlsrp secured by principal residence 30075 0 10560000 111153 380468 hlsro secured by other real estate 30075 0 10060000 35166.8 272255 hlsn loans not secured by real estate 30075 -1 282300000 370821 6100000 hlsng guaranteed institutional loans 30075 -1 266200000 277716 4800000 hlsnn non-guaranteed institutional loans 30075 0 27010000 6166.8 224346 hlsni informal (non-institutional) loans 30075 0 27200000 1859.37 160922 ------------------------------------------------------------------------------------------------------------------------------------------------ HOUSEHOLD NET WORTH ------------------------------------------------------------------------------------------------------------------------------------------------ Variable Description N Min. Max. Mean SD ----------------------------------------------------------------------------------------------------------------------------------------------- dnw disposable net worth 30075 -227500000 1.324e+09 8700000 5.3e+07 anw adjusted disposable net worth 30075 -2.27e+08 1.325e+09 9e+06 5.4e+07 ------------------------------------------------------------------------------------------------------------------------------------------------ CONTINGENT ASSETS, LIABILITIES AND RELATED VARIABLES ------------------------------------------------------------------------------------------------------------------------------------------------ Variable Description N Min. Max. Mean SD ----------------------------------------------------------------------------------------------------------------------------------------------- cir expects to receive inheritance/gift 30075 0 1 0.14 0.35 cia1 amount of expected inheritance/gift,(1) 30075 0 1e+08 159389 1700000 cig expects to give inheritance/gift 30075 0 2 0.83 0.76 chc home equity line of credit (dummy) 30075 0 1 0.09 0.29 cha amount of home equity line of credit 30062 0 6630000 14650.9 124611 cnc non-home equity lines of credit (dummy) 30075 0 1 0.05 0.22 cna amount of non-home equity lines of credit 30065 0 3e+07 39214.8 668808 ------------------------------------------------------------------------------------------------------------------------------------------------ ASSETS ACQUIRED IN THE PAST AND RELATED VARIABLES ------------------------------------------------------------------------------------------------------------------------------------------------ Variable Description N Min. Max. Mean SD ----------------------------------------------------------------------------------------------------------------------------------------------- ppr purchase price of principal residence 30075 0 22760000 315322 988428 ppy year of purchase of principal residence 19995 1953 2013 1997.65 12.43 pir inheritance/gift received (dummy) -------------------------------------------------------------------------------- N code label 22831 0 did not receive inheritance/gift 7244 1 received inheritance/gift Variable Description N Min. Max. Mean SD ----------------------------------------------------------------------------------------------------------------------------------------------- pia1 amount of inheritance/gift received,(1) 30075 0 217800000 154613 3e+06 pia2 amount of inheritance/gift received,(2) 30075 0 441400000 97634.4 5700000 pia3 amount of inheritance/gift received,(3) 30075 0 1e+07 8056.23 205792 pia4 amount of inheritance/gift received,(4) 30075 0 11390000 6674.72 192311 piy1 year inheritance/gift received,(1) 7244 1953 2013 2000.35 11.72 piy2 year inheritance/gift received,(2) 2142 1955 2013 1998.67 11.7 piy3 year inheritance/gift received,(3) 629 1953 2013 1997.86 13.05 pit1 type of inheritence/gift received,(1) -------------------------------------------------------------------------------- N code label 5929 20 financial 1315 30 both non-financial and financial 22831 . pit2 type of inheritence/gift received,(2) -------------------------------------------------------------------------------- N code label 1689 20 financial 453 30 both non-financial and financial 27933 . pit3 type of inheritence/gift received,(3) -------------------------------------------------------------------------------- N code label 463 20 financial 166 30 both non-financial and financial 29446 . piw1 from whom inheritance/gift received,(1) -------------------------------------------------------------------------------- N code label 989 1 grandparent(s)(incl in-laws) 5239 2 parent(s)(incl in-laws) 184 3 sibling(s)(incl in-laws) 15 4 child(ren)(incl in-laws) 656 5 other relative(s) 161 6 non-relative(s) 22831 . piw2 from whom inheritance/gift received,(2) -------------------------------------------------------------------------------- N code label 332 1 grandparent(s)(incl in-laws) 1459 2 parent(s)(incl in-laws) 35 3 sibling(s)(incl in-laws) 5 4 child(ren)(incl in-laws) 282 5 other relative(s) 29 6 non-relative(s) 27933 . piw3 from whom inheritance/gift received,(3) -------------------------------------------------------------------------------- N code label 99 1 grandparent(s)(incl in-laws) 389 2 parent(s)(incl in-laws) 25 3 sibling(s)(incl in-laws) 109 5 other relative(s) 7 6 non-relative(s) 29446 . ------------------------------------------------------------------------------------------------------------------------------------------------ OTHER BEHAVIOURAL VARIABLES ------------------------------------------------------------------------------------------------------------------------------------------------ bopc possession of credit cards (dummy) -------------------------------------------------------------------------------- N code label 8491 0 does not have credit cards 21584 1 has credit cards bonc_c number of credit cards -------------------------------------------------------------------------------- N code label 8491 0 no credit cards 3270 1 1 card 3680 2 2 cards 3258 3 3 cards 2784 4 4 cards 2010 5 5 cards 1657 6 6 cards 1282 7 7 cards 1040 8 8 cards 652 9 9 cards 555 10 10 cards 378 11 11 cards 212 12 12 cards 291 13 13 cards 174 14 14 cards 112 15 15 cards 85 16 16 cards 56 17 17 cards 40 18 18 cards 25 19 19 cards 11 20 20 cards 7 21 21 cards 5 24 24 cards Variable Description N Min. Max. Mean SD ----------------------------------------------------------------------------------------------------------------------------------------------- boue amount needed to cover unexpected expenses 30075 0 1.35e+08 194004 2200000 boea ability to get emergency financial aid (dummy) -------------------------------------------------------------------------------- N code label 9822 0 not able to get emergency financial aid 20253 1 able to get emergency financial aid bolc loan consolidation (dummy) -------------------------------------------------------------------------------- N code label 30003 0 did not consolidate loan(s) 72 1 consolidated loan(s) bocc1_c objective credit constraints,(1) -------------------------------------------------------------------------------- N code label 13094 110 applied and got what asked for 149 121 applied for mortgage and got less what asked for 168 122 applied for car/other vehicle loan and got less what asked for 76 123 applied for other loans for consumer goods and consumption and got less what asked for 15 125 applied for student loan and got less what asked for 768 131 applied for mortgage and was rejected 1241 132 applied for car/other vehicle loan and was rejected 2943 133 applied for other loans for consumer goods and was rejected 25 134 applied for business/investment loan and was rejected 66 135 applied for student loan and and was rejected 11530 200 did not apply NOTES: 1. [us13] refers to application for any type of credit or loan in the last five years bocc2_c objective credit constraints,(2) -------------------------------------------------------------------------------- N code label 397 111 reapplied for mortgage and got what asked for 782 112 reapplied for car/other vehicle loan and got what asked for 105 113 reapplied for other loans for consumer goods and consumption and got what asked for 5 114 reapplied for business/investment loan and got what asked for 25 115 reapplied for student loan and got what asked for 284 121 reapplied for mortgage and did not get what asked for 324 122 reapplied for car/other vehicle loan and did not get what asked for 2749 123 reapplied for other loans for consumer goods and consumption and did not get what asked for 10 124 reapplied for business/investment loan and did not get what asked for 35 125 reapplied for student loan and did not get what asked for 735 200 did not reapply 24624 . NOTES: 1. [us13] refers to those who applied for loan and were rejected, and then re-applied again or did not re-apply bocs_c subjective credit constraints -------------------------------------------------------------------------------- N code label 24862 0 no, did not fear to be turned down 67 1 fear of being turned down because personal characteristics, family background/life history of borrower 1405 2 fear of being turned down because credit rating service/credit bureau reports 741 3 fear of being turned down because credit records/history from other institution; other loans; previous payment records; bankruptcy 531 4 fear of being turned down because amount of debt; size of other payments; ability to repay loan 540 5 fear of being turned down because insufficient credit history/references 76 6 fear of being turned down because lack of/not enough assets to secure the loan, size of down payment, or financial status 528 7 fear of being turned down because bad credit, n.e.c. 310 8 fear of being turned down because employment activity, intensity, and characteristics 542 9 fear of being turned down because of income 473 10 fear of being turned down because of other reasons NOTES: 1. [us13] refers to those who did not re-apply for a loan after after they got rejected ------------------------------------------------------------------------------------------------------------------------------------------------ ADDITIONAL INFORMATION (WEALTH) ------------------------------------------------------------------------------------------------------------------------------------------------ bus1_c type of first business -------------------------------------------------------------------------------- N code label 22730 0 does not own a business 2323 11 LLP/LLC (include professional LLC) 638 12 partnership/cooperative 1387 13 subchapter S corporation 524 14 other corporation (including C chapter corps) 1792 15 sole proprietorship 11 16 foreign business type 665 20 does not have actively managed business 5 . NOTES: 1. [us13] codes 11-17 refer to the legal form of the first actively managed business owned by anyone in the household. bus2_c type of second business -------------------------------------------------------------------------------- N code label 22735 0 does not own a business 4835 10 owns only one business 960 11 LLP/LLC (include professional LLC) 179 12 partnership/cooperative 291 13 subchapter S corporation 120 14 other corporation (including C chapter corps) 279 15 sole proprietorship 11 16 foreign business type 665 20 does not have actively managed business NOTES: 1. [us13] codes 11-15 refer to the legal form of the second actively managed business owned by anyone in the household. bus3_c number of actively managed businesses -------------------------------------------------------------------------------- N code label 22730 0 does not own a business 4835 1 owns 1 actively managed business 1000 2 owns 2 actively managed businesses 450 3 owns 3 actively managed businesses 395 4 owns 4 or more actively managed businesses 665 20 does not have actively managed business