E. FINANCES (W13, 2002)

E1 During the past year, what share of your household living expenses were covered by each of the following sources? Please make sure it all adds up to 100%.

Other relatives (specify) ___________ E1REL213

E2 Among friends and family, people often give or receive goods (such as clothes and home appliances) or services (lawn mowing, plumbing repairs, etc.) without pay. Please indicate how often in a typical month you do the following. If you do not do the activity, please record a “0.”

Other (please specify) ___________ E2OTHE13

STRESS13 E3 Many young adults experience financial problems. How much stress have you felt in meeting your financial obligations during this past year?

1 Not at all stressful

2 

3

4 Moderately stressful

5

6

7 Extremely stressful

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BILLS13 E4  How difficult is it for you to pay your bills on time? These bills might include insurance, rent, mortgages, car payments, credit cards, etc.

1 Not at all difficult

2 

3

4 Moderately difficult

5

6

7 Extremely difficult

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DEBT13 E5How much burden do you feel from debt (from credit cards, mortgages, personal loans, etc.)?

1 No burden at all

2 

3

4 A moderate burden

5

6

7 Extremely high burden

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E5A How much money did you earn through paid employment during the past two weeks? (before taxes and including tips)

WINCLO13 Low income response

WINCHI13 Low income response

E5B What was your household income in 2001 (annual income before taxes)?

YINCLO13 Low income response

YINCHI13 High income response

E6SAV13 E6 Do you have a savings account?

1 No

2 Yes

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E7TIME13 E7 In deciding how much of their income to spend or save, people are likely to have different time frames. In your own (family’s) saving and spending, which of the following periods is most important to you?

1 Next few weeks

2 Next few months

3 Next year

4 Next few years

5 Next 5 – 10 years

6 Longer than 10 years

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E8RET13 E8 Do you have one or more retirement accounts (Pension, IRA, 401K, 403B, etc)?

1 No

2 Yes

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E8B Who has made contributions to your retirement fund(s)? (Circle all that apply)

E8BEMP13 Your employer

E8BSPS13 Your spouse/partner

E8BME13 Myself

E8BPAR13 Your parents

E8BOTH13 Other (specify)_________ E8OTHB13

E9INV13 E9 Do you have other investments (Not retirement or savings)?

1 No

2 Yes

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E10INS13 E10 Do you currently have health insurance of any kind?

1 No

2 Yes

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E10A Do you get this insurance through (Circle all that apply):

E10AEM13 Your own employer or union

E10APA13 A family member’s employer or union

E10AME13 A policy I purchased or a family member purchased for me

E10APU13 A public program such as Medicare, Medical Assistance, Medicaid, PrePaid Medical Assistance Plan (PMAP, Minnesota Health Care Programs), Minnesota Care, General Assistance Medical Care (GAMC), or Minnesota Comprehensive Health Association (MCHA)

E10AOT13 Other (specify) ______________ E10SPE13

E11DEP13 E11 Do your dependents (including your spouse and children) have health insurance?

1 No > GO TO E12

2 Yes

3 Not Applicable, I have no dependents

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E11A Do you get their insurance through (Circle all that apply)

E11AEM13 Your own employer or union

E11AFA13 A family member’s employer or union

E11AME13 A policy I purchased or a family member purchased for me

E11APU13 A public program such as Medicare, Medical Assistance, Medicaid, PrePaid Medical Assistance Plan (PMAP, Minnesota Health Care Programs), Minnesota Care, General Assistance Medical Care (GAMC), or Minnesota Comprehensive Health Association (MCHA)

E11AOT13 Other (specify) ______________ E11SPE13

E12MON13 E12 Not counting shared housing or food, did you give financial help to your mother or father amounting to $500 or more within the last 2 years?

1 No

2 Yes

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E13FIN13 E13 Not counting shared housing or food, did your father or mother give you financial help amounting to $500 or more within the last 2 years?

1 No

2 Yes

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E14LON13 E14 Have you received a personal loan ($500 or more) from a relative or friend within the last 2 years?

1 No

2 Yes

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E15 Have you ever obtained any of these types of loans? Please circle one for each.

1 Yes

2 No

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OWNHOM13 E16 Do you own your home, or do you pay rent where you (and your family) are currently living? Please circle one.

1 Own Home

2 Rent

3 Not applicable

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E17 Considering only your educational loans, how much was borrowed or financed, not counting the finance charges?

E17LOW13 Low response (-7 Don’t Know -8 Not Applicable)

E17HI13 High response (-7 Don’t Know -8 Not Applicable)

E18SUP13 E18 During the past year, have you or your partner paid child support?

1 No

2 Yes

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