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LW S Variable list Reference Year Contents Value Labels Variable Construction Missings Imputed, flags Warnings
NOTE EXTRA VARIABLES: As a supplem ent to the dataset w e have included one flag variable that is listed at
the end of this w orksheet: FTD.
I. NAME DEMOGRAPHIC BACKGROUND
CTRY UNIQUE COUNTRY AND Y EAR ID 174, Unique country ID assigned by LWS Canada 1999
HOUSEHOLD IDENTIFICATION
HID NUMBER
WGT HOUSEHOLD WEIGHT Surv ey prov ided household weight
HOUSEHOLD LEVEL OPEN SLOT
HOP1 VARIABLE 1 Open slot v ariable
AGEH AGE OF HEAD Age of the respondent in y ears ECPAGE_M=age rev ised
AGES AGE OF SPOUSE/PARTNER NA
SEXH SEX OF HEAD NA
SEXS SEX OF SPOUSE/PARTNER NA
MARTH MARITAL STATUS HEAD Not explicitly recorded, see SMART
MARTS MARITAL STATUS SPOUSE/PARTNER Not explicitly recorded, see SMART
if DVFMCOMP=1 then SMART=1;
if DVFMCOMP=2 then SMART=3;
1 = single, no children, 2 = single if DVFMCOMP=3 then SMART=4;
MARITAL STATUS (STANDARDIZED) parent, 3 = couple, no children, 4 if DVFMCOMP=4 then SMART=2;
SMART HEAD Marital status and presence of children = couple with children, 5 = other if DVFMCOMP=5 then SMART=5;
RACEH RACE/ETHNICITY OF HEAD NA
RACES RACE/ETHNICITY OF SPOUSE/PARTNER NA
COBH COUNTRY OF BIRTH OF HEAD NA
COUNTRY OF BIRTH OF
COBS SPOUSE/PARTNER NA
IMMH IMMIGRATION STATUS OF HEAD NA
IMMIGRATION STATUS OF
IMMS SPOUSE/PARTNER NA
YEARS OF RESIDENCE IN THIS
Y SMH COUNTRY HEAD NA
1 = Less than high school
2 = Graduated high school
3 = Non-univ ersity post-
secondary certif icate
4 = Univ ersity degree or DVPHLV2G_M=highest lev el of education
EDUCH EDUCATIONAL LEVEL OF HEAD Lev el of education of the ref erence person certif icate group v alue (.) = missing/not stated
EDUCATIONAL LEVEL OF
EDUCS SPOUSE/PARTNER NA
DISH DISABILITY STATUS HEAD NA
DISS DISABILITY STATUS SPOUSE/PARTNER NA
HLTHH HEALTH STATUS OF HEAD NA
HLTHS HEALTH STATUS OF SPOUSE/PARTNER NA
AGMH AGE OF MOTHER HEAD NA
AGFH AGE OF FATHER HEAD NA
AGMS AGE OF MOTHER SPOUSE/PARTNER NA
AGFS AGE OF FATHER SPOUSE/PARTNER NA
II. NAME LABOR MARKET VARIABLES NO LABOUR MARKET VARS
LFSH LABOR FORCE STATUS HEAD NA
LABOR FORCE STATUS
LFSS SPOUSE/PARTNER NA
MAH MAIN ACTIVITY HEAD NA
MAS MAIN ACTIVITY SPOUSE/PARTNER NA
OCCH OCCUPATION OF HEAD NA
OCCS OCCUPATION OF SPOUSE/PARTNER NA
INDH INDUSTRY OF HEAD NA
INDS INDUSTRY OF SPOUSE/PARTNER NA
ACTH ACTIVITY STATUS HEAD NA
ACTS ACTIVITY STATUS SPOUSE/PARTNER NA
HRSH HOURS WORKED HEAD NA
HRSS HOURS WORKED SPOUSE/PARTNER NA
HRS2H HOURS WORKED AT MAIN JOB HEAD
HOURS WORKED AT MAIN JOB
HRS2S SPOUSE/PARTNER
WKH WEEKS WORKED HEAD NA
WKS WEEKS WORKED SPOUSE/PARTNER NA
III. NAME HOUSEHOLD CHARACTERISTCS
Deriv ed f rom orig.v ariables:
ECFSZ0517=number of persons in f amily
of age 5 to 17 and
ECFSZ0004=number of persons in f amily
of age 0 to 4. If ECFSZ0004 =0 AND
ECFSZ0517 =0 THEN HHLD=0;
if ECFSZ0004 > 0 AND ECFSZ0517 =0
0 = No children in HH THEN HHLD=1;
1 = All children under 5 in HH if ECFSZ0004 = 0 AND ECFSZ0517 >0
2 = All children aged 5-18 in HH THEN HHLD=2;
Whether there are children in the household and 3 = At least 1 child under 5 and 1 if ECFSZ0004 > 0 AND ECFSZ0517 >0
HHLD HOUSEHOLD STRUCTURE if , then to which age category they belong. aged 5-18 in HH THEN HHLD=3; v alue (.) = missing/not stated
1= Unattached indiv iduals
2 = Couples, no children
3 = Couples with children
4 = Loneparent f amilies
FMLY FAMILY COMPOSITION Ty pe of household 5 = Other f amily ty pes DVFMCOMP=composition of f amily unit
NUMBER OF PERSONS IN
NOPRS HOUSEHOLD Number of f amily members FMSZ27=number of f amily members
1 = if there are children under 5, ECFSZ0004 = presence of persons in Indicator v ariables, not count
NOCH5 NUMBER OF CHILDREN UNDER 5 Presence of persons of age 0 to 4 in the f amily 0 = otherwise. f amily of age 0 to 4 v alue (.) = missing/not stated v ariables.
NUMBER OF CHILDREN UNDER
NOCH15 15 (<=14) NA
Deriv ed f rom orig.v ariables:
ECFSZ0517=number of persons in f amily
of age 5 to 17 and ECFSZ0004=number of
persons in f amily of age 0 to 4. If
ECFSZ0004 > 0 or ECFSZ0517 > 0 THEN
NUMBER OF CHILDREN UNDER 1 = if there are persons under 18, NOCH18 = 1; Indicator v ariables, not count
NOCH18 18 Presence of persons of age 0 to 17 in the f amily 0 = otherwise. if ECFSZ0004 = 0 and ECFSZ0517 = 0 v alue (.) = missing/not stated v ariables.
1 = if there are persons ov er 65, ECFSZ65PL=Presence of persons in the Indicator v ariables, not count
NOPRS65 NUMBER OF PERSONS OVER 65 Presence of persons ov er 65 in the f amily 0 = otherwise. f amily of age 65 and up v ariables.
NBEAR27=number of earners aged 15+ in
NOERN NUMBER OF EARNERS Number of earners in the household the economic f amily f or the ref erence y ear
10 = Newf oundland, 11 = Prince
Edward Island, 12 = Nov a Scotia,
13 = New Brunswick, 24 =
Quebec, 35 = Ontario, 46 =
Manitoba, 47 = Saskatchewan,
48 = Alberta, 59 = British
REGA GEOGRAPHIC REGION A Prov ince of residence Columbia
REGB GEOGRAPHIC REGION B NA
URB URBAN/RURAL INDICATOR NA
LW S Variable list Reference Year Contents Value Labels Variable Construction Missings Imputed, flags Warnings
IV. NAME WEALTH VARIABLES
INHERITANCE BEQUEST
INH1-INH3 RECEIVED ($) NA
Y RINH1- Y EAR INHERITANCE BEQUEST
Y RINH3 RECEIVED NA
REMAINING INHERITANCE
INH4 BEQUEST RECEIVED ($) NA
Time of data 1 = Own without mortgage
TENURE (OWNED/RENTED collection (5- 2 = Own with mortgage
OWN HOUSING) 6/1999) Whether one owns one's housing or not. 3 = Do not own DVFTENUR= home ownership status
1 = Single detached
2 = Double/semi-detached, row
Time of data or terrace, duplex
collection (5- 3 = Apartment
DWELL TY PE OF DWELLING 6/1999) Ty pe of the building or apartment 4 = Mobile home, condo, other ECFDWELL= dwelling ty pe group v alue (.) = missing/not stated
BUSIND= if any one in f amily owns a
Time of data business (incl. prof essional practice, f arm).
collection (5- Does any one in the f amily own/hav e a business 1=owns business, 0=does not If BUSIND=1 then BUS=1;
BUS OWN BUSINESS INDICATOR 6/1999) (including prof essional practice and f arm). own if BUSIND=2 then BUS=0.
This v ariable includes transaction accounts,
sav ings and chequing accounts, term deposits
and Guaranteed Inv estment Certif icates (i.e.
Time of data bank deposits, current account deposits, bank WASTDEPT= Sub-total of asset v alue of
collection (5- sav ings, postal bank deposits, etc.). Interest money in banks (checking and sav ings
DA DEPOSIT ACCOUNTS 6/1999) included. accounts(waacct) + term deposits(waterm)).
This v ariable includes total v alue and div idends
of sav ings (f ederal, prov incial) bonds and other
Time of data bonds (gov ernments, corporations). Includes WASTBOND= Sub-total of asset v alue of
collection (5- inv estment in f oreign bonds held outside all bonds (sav ing bonds (sav ings bonds
TB TOTAL BONDS 6/1999) registered plans. (wasav bnd) + other bonds(waothbnd)).
WASTSTCK= Sub-total of asset v alue of all
Time of data Listed and unlisted shares and stocks, includes non-RRSP stocks (Canadian & Foreign
collection (5- div idends. Includes f oreign stock held outside (wastock) + shares held in priv ate
ST STOCKS 6/1999) registered plans. companies (washare)).
WAMUTUAL= Accumulation of mutual
f unds and other inv estment f unds
exclusiv e of RRSP inv estments.
Replication of assetoth.assmut_t which is
Time of data Interest f unds and other than interest f unds, the total f ield f or assmut v ariables f rom the
MUTUAL FUNDS AND OTHER collection (5- includes div idends. Excludes amount held within collected entity (assotcol). Includes the
TM INVESTMENT FUNDS 6/1999) registered plans. sum of the v ariables plus imputed v alues.
LI LIFE INSURANCE NA
Time of data Includes deposits in f inancial institutions and
collection (5- other inv ested assets that are not held in a WASTOINP= Other inv estments or f inancial
OFA OTHER FINANCIAL ASSETS 6/1999) pension program (like RRSP, RRIF). PA1=WARRSPL +WARRIF. Orig. Variables:
assets, non-pension.
WARRSPL= Accumulation of total RRSP
inv estments including locked in RRSP's.
Incl imputed v alues; WARRIF=
Accumulation of total registered retirement
PENSION ASSETS: PRIVATE Time of data Accumulation of total registered retirement income f unds.
PENSION ACCOUNTS/ SAVING collection (5- income f unds. Includes money inv ested in
PA1 PLANS 6/1999) RRSPs and RRIFs. includes imputed v alues
WAOTPEN= Sub-total of asset v alue of
other retirement f unds. These include
PENSION ASSETS: ANNUITIES Time of data Includes money held in other pension-generating def erred prof it sharing plans
AND OTHER DEFERRED PROFIT collection (5- assets such as def erred prof it sharing plans and (wadpsp)+executiv e & f oreign pension plans
PA2 PLANS 6/1999) annuities. (waef pen)+annuities (waanuity ).
WARPPT= Pension v alue all, term. Value
of all employ er pension plans. Including
current (warppct), def erred (wadef pen) & in
PENSION ASSETS: VALUE OF Time of data pay pension plans (wapenip). Current
PENSION THROUGH EMPLOY ER collection (5- pension plans v alued on a termination
PA3 PENSION PLANS 6/1999) Value of all employ er pension plans. basis.
WAPRVAL= Value of the principal
residence. If the property is a f arm, this is
the v alue of the f armhouse; if it is not, it is
the respondent's share of the toal prop
v alue. Replication of assetoth.asrv lf _t
which is the total f ield f or asrsel v ariable
f rom the collected entity (assotcol) af ter
Time of data some manipulation to determine f arm/non-
collection (5- Market v alue of main residence, estimated by f arm principal residence. Includes the sum
PR PRINCIPAL RESIDENCE 6/1999) the respondent. of the v ariables plus imputed v alues.
Estimated market v alue of real estate other than WASTREST= Sub-total of asset v alue of
Time of data respondent's home, includes second homes, all real estate other than principle residence
collection (5- timeshares, rental property , v acant lots. (Canadian real estate (warestc)+f oreign real
IR INVESTMENT REAL ESTATE 6/1999) Canadian and f oreign. estate (warestf )).
BA BUSINESS ASSETS NA
BD BUSINESS DEBT NA
WBUSEQ= Business equity . Accumulation
of v alue of all businesses operated by the
economic f amily . Sum of business.busmv f
Time of data Estimated v alue of business owned by the which is the total f inal market v alue f or
collection (5- respondent if that would be sold, deducting records in the business entity . Includes
BE BUSINESS EQUITY 6/1999) outstanding debts imputed v alues.
Estimated v alue of all v ehicles: includes cars,
Time of data v ans, SUVs, bicy cles, etc., excludes leased WASTVHLE= Sub-total of asset v alue of
collection (5- v ehicles or ones owned by respondent's v ehicles (cars, trucks, v ans
VH VEHICLES 6/1999) business. (wav ehle)+other v ehicles (wav ehot)).
DURABLES AND/OR
DRCL COLLECTIBLES NA
WASTONOF= Sub-total of non-f inancial
Time of data Value of contents of principal residence, assets (contents of principal residence
collection (5- v aluables, collectibles, copy rights, patents, other (waprcont)+collectibles (wav albl)+other non-
ONF OTHER NON-FINANCIAL ASSETS 6/1999) non-f inancial assets, etc. f inancial assets (wanof in)).
Sum v ariable; all home secured debt including:
Principal residence mortgage, improv ement, line
of credit, and inv estment property loans and
HSD HOME SECURED DEBT (MG,OMG,OHSD) share. HSD=MG+OMG+OHSD on pricipal
WDPRMOR= Mortgage
residence, f inal v alue. Includes v alue of
other real estate in Canada plus the v alue
of the non-f armhouse portion of the
principal residence, if it is a f arm. This is
done only if the non-f armhouse portion is
Time of data not included w/business equity . Replication
PRINCIPAL RESIDENCE collection (5- Mortgage on principal residence, outstanding of assetres.asrmof . Includes imputed
MG MORTGAGE 6/1999) amount. v alues.
WDSTOMOR= Sub-total of debt v alue of
Time of data Respondent's share of mortgage owing on all (other) mortgages owed (mortgage on
collection (5- second homes, timeshares, rental property , Canadian real estate (wdocmor)+mortgage
OMG OTHER PROPERTY MORTGAGE 6/1999) v acant lots. Canadian and f oreign. on f oreign real estate (wdof mor)).
Time of data WDSTLOC= Sub-total of all line-of -credit
collection (5- debt (home equity line of credit
OHSD OTHER HOME SECURED DEBT 6/1999) Includes home equity LOC and other LOCs. (wdloche)+other lines of credit (wdlocot)).
Time of data WDSTVHLN= Sub-total of all v ehicle loan
collection (5- debt (cars, trucks and v ans (v dv ehln)+other
VL VEHICLE LOANS 6/1999) Debt f or the purchase of v ehicles. v ehicles (wdov ehl)).
Debt f or the purchase of real goods (jewelery ,
precious metals, etc.); f urniture, electrical WDSTCRED= Sub-total of credit card and
Time of data appliances, etc.; non durables (holiday s, f urs, installment debt (major credit card debt
TOTAL INSTALLMENT DEBT collection (5- etc.) and other reasons; credit card outstanding (wdccard)+other credit cards and installment
IL (INC.CREDIT CARDS) 6/1999) balances; def erred pay ment and installment debt. debt (wdstocrd).
WDSLOAN= Student loan debt.
Accumulation of debt v alue of student
loans. Replication of studlagg.stlowa which
is the total f ield f or student lev el student
Time of data Student loans through Canada Student Loan loans f rom the rollup entity (studlagg).
collection (5- Program and f rom f inancial institutions f or post- Includes the sum of the v ariables plus
EL EDUCATIONAL LOANS 6/1999) secondary education. imputed v alues.
Other loans f rom f inancial institutions (i.e. loans
Time of data against personal guarantee, ov erdraf ts f rom
OTHER LOANS FROM FINANCIAL collection (5- priv ate persons, and taken f or inv estment
OL INSTITUTIONS 6/1999) purposes), unpaid bills. WDSTODBT= ST1 Debts, loans & other
ID INFORMAL DEBT NA
RA RISKY ASSETS:TB, ST, TM Sum ov er TB, ST, TM RA=TB+ST+TM
NHD NON-HOUSING DEBT: TD-HSD Deriv ed as f ollows: TD-HSD NHD=TD-HSD
TOTAL FINANCIAL ASSETS D1: This variable derived by summing deposit accounts, bonds,
TFA1 DA+TB+ST+TM stocks and mutual funds TFA1=DA+TB+ST+TM
TOTAL NON-FINANCIAL ASSETS D1: This variable is derived from the sum of value of principal
comparable
TNF1 PR+IR residence and investment property TNF1=PR+IR
TOTAL NON-FINANCIAL ASSETS D2: This variable is derived from the sum of value of principal
TNF2 PR+IR+BE residence, investment property and business equity TNF2=PR+IR+BE
This is the sum of total financial (TFA1) and non-financial
NW1 NET WORTH D1: NW1=TFA1+TNF1-TD (TNF1) assets minus total debt NW1=(TFA1+TNF1)-TD
This is the sum of total financial (TFA1) and non-financial
NW2 NET WORTH D2: NW2=TFA1+TNF2-TD (TNF2) assets minus total debt NW2=(TFA1+TNF2)-TD
TOTAL FINANCIAL ASSETS (country-
TFA_cs specific): all available The sum of all available financial assets TFA_cs=sum(DA,TB,ST,TM,OFA, PA1,PA2,PA3)
TOTAL NON-FINANCIAL ASSETS (country-
TNF_cs specific): all available The sum of all available non-financial assets TNF_cs=sum(PR,IR,BE,VH,ONF)
This is the sum of all available debts including home secured,
vehicle loans, total installment debt, educational loans, other
TD TOTAL DEBT: all available loans from financial institutions, and informal debt TD=sum(HSD,VL,IL,EL,OL)
TOTAL ASSETS (country-specific) : all
TA_cs available This is the sum of available financial and non-financial assests TA_cs=TFA_cs+TNF_cs
NET WORTH (country-specific): This is the sum of available financial and non-financial assests
NW_cs NW_cs=TFA_cs+TNF_cs-TD minus total debt NW_cs=(TFA_cs+TNF_cs)-TD
MISCELLANEOUS NET WORTH
OWL COMPONENT NA
V NAME EXPENDITURE VARIABLES
TXP TOTAL EXPENDITURES NA
FOOD AND NON-ALCOHOLIC
FDXP BEVERAGES NA
ALCOXP ALCOHOL AND TOBACCO NA
APXP CLOTHING AND FOOTWEAR NA
Includes rentals f or housing and interest
HOUSING AND UTILITIES
HSXP pay ments on housing loans. ECFEXHMR= housing related expenses
EQUIPXP HOUSING EQUIPMENT NA
MDXP HEALTH NA
Using of car and trav el tickets aggregated ov er
TRANSPORT
TRXP household members ECFEXVHR= v ehicle related expenses
COMMXP COMMUNICATION NA
CULTXP RECREATION AND CULTURE NA
EDXP EDUCATION NA
RESTOXP RESTAURANTS AND HOTELS NA
MISCELLANEOUS GOODS AND
MISCXP SERVICES Childcare, total expenditures ECFEXCHR= child related expenses
Includes rentals f or housing and interest
ACTUAL RENTS AND INTEREST
RIXP pay ments on housing loans. ECFEXHMR= housing related expenses
UTXP UTILITIES EXPENDITURES NA
OTHER HOUSING EXPENDITURES
OHSXP NA
MORTXP MORTGAGE INSTALLMENTS NA
VI. NAME INCOME VARIABLES
All wages and salaries incl. second job. - can
WAGE WAGES AND SALARIES ref erence y ear include some self -employ ment income!! EARNG27 = Earnings capped /no f lag
WAGENET NET WAGES AND SALARIES NA
Farm and non-f arm self employ ment income.
Earnings is assumed to be self -employ ment SELF=EARNG27 if MJSIF27=3
income when the main source of income is self - (MJSIF27=Major Source of Income;3=self -
SELF SELF-EMPLOY MENT INCOME ref erence y ear employ ement 936 cases employ ment income) capped /no f lag
Inv estment income incl. div idends, interest and
other inv estment income, net partnership income,
CPRI CASH PROPERTY INCOME ref erence y ear rental income, interest income outside Canada. INVA27 = Inv estment income capped/no f lag
CPRI1 INTERESTS AND DIVIDENDS NA
CPRI2 RENTS NA
CPRI3 PRIVATE SAVINGS PLANS NA
CPRI4 ROY ALTIES NA
Inv estment income incl. div idends, interest and
other inv estment income, net partnership income,
CPRI5 OTHER rental income, interest income outside Canada. INVA27 = Inv estment income
OCCUPATIONAL AND OTHER Retirement pensions, incl.retirement pension,
OCCPEN PENSIONS ref erence y ear superannuation and annuities, not RRSP OCCPEN=OCPEN1+OCPENO capped/no f lag
Retirement pensions, incl.retirement pension,
OCPEN1 OCCUPATIONAL PENSIONS superannuation and annuities, not RRSP PEN27=retirement pensions
OCPENO OTHER PENSIONS NA
STATE OLD-AGE AND SURVIVORS
PUBPEN BENEFITS NA
UNIVERSAL OLD-AGE AND
PUPEN1 SURVIVORS PENSIONS NA
EMPLOY MENT-RELATED OLD-AGE
PUPEN2 AND SURVIVORS PENSIONS NA
OTHER STATE OLD-AGE AND
PUPENO SURVIVORS PENSIONS NA
SOCIAL INSURANCE TRANSFERS
SOCIBEN EXCL. PUBPEN NA
MNSBEN SOCIAL ASSISTANCE BENEFITS NA
NRCBEN NEAR CASH BENEFITS NA
Orig. v ariable not av ailable. Calculated
based on documentation; MTINC27 'Market
Priv ate regular transf ers, eg. alimony , child income' is sum ov er EARNG27, INVA27,
support, transf ers f rom relativ es or charity . PEN27, OTTXM27 and ALIMO; since ALIMO
Based on documentation, v ariable 'alimo'(support is not separately av ailable, subtracting
pay ments receiv ed) is assumed to be subtraction other v ars f rom market income should
of market income minus earnings, inv estment prov ide alimony . PRIVTRA=MTINC27-
PRIVTRA PRIVATE TRANSFERS ref erence y ear income, pensions and other income. EARNG27-INVA27-PEN27-OTTXM27
TRANS=PUBPEN + SOCIBEN + MNSBEN +
NRCBEN + PRIVTRA+TRANHELP, where
TRANHELP=GTR27 includes all
gov ernment transf ers (pension plans,
employ ment insurances, old age security ,
guaranteed income supplement, spouse's
SUB-SUMMARY VARIABLE: ALL allowance, social assistance, worker's
TRANS TRANSFERS ref erence y ear All transf ers compensation, goods, child tax benef its)
this can include alimonies and
is seen as market income in
OTHCINC OTHER CASH INCOME ref erence y ear Other cash income OTTXM27=other income capped/no f lag Canada
MANDATORY EMPLOY EE NA; no contributions - net incomes
CONTRIB CONTRIBUTIONS ov erestimated!
Federal and prov incial income tax (Quebec IF INCTX27 = 99999999 THEN
INCTAX INCOME TAXES ref erence y ear abatement,QABAT, has been deducted) INCTX27= Income taxes v alue (.) = missing/not stated INCTAX = 0;
WLTHTAX WEALTH TAXES NA
INTPD INTEREST PAID NA
INTPDMG INTEREST PAID ON MORTGAGES NA
INTEREST PAID ON OTHER
INTPDOL LOANS NA
PTPD PRIVATE TRANSFERS PAID NA
GIFT NON-REGULAR GIFTS NA
GAIN CAPITAL GAINS AND LOSSES NA
NON CASH PROPERTY INCOME:
NCPRI IMPUTED RENT NA
LUMP ONE-TIME LUMP SUM INCOME NA
EARNH EARNINGS HEAD NA
EARNS EARNINGS SPOUSE NA
OCCPENH OCCUPATIONAL PENSION HEAD NA
OCCUPATIONAL PENSION
OCCPENS SPOUSE NA
PUBPENH PUBLIC PENSION HEAD NA
PUBPENS PUBLIC PENSION SPOUSE NA
PENH ALL PENSIONS HEAD NA
PENS ALL PENSIONS SPOUSE NA
VII NAME SUMMARY INCOME VARIABLES
EARNW EARNINGS EARNW= WAGE + SELF
EARNWNET NET EARNINGS NA EARNWNET=WAGENET+SELF
FIW FACTOR INCOME FIW= EARNW + CPRI
FIWNET NET FACTOR INCOME NA FIWNET=EARNWNET+CPRI If GIW=0, then GIW missing.
MIW MARKET INCOME MIW= FIW + OCCPEN If LWS_DPI=0, then LWS_DPI missing.
MIWNET NET MARKET INCOME NA MIWNET=FIWNET+OCCPEN If DPIW=0, then DPIW missing.
GIW GROSS INCOME GIW= MIW + TRANS + OTHCINC
GIWNET NET INCOME NA GIWNET=MIWNET+TRANS+OTHCINC
LIS_DPI LIS DISPOSABLE INCOME LIS_DPI= GIW - CONTRIB - INCTAX
DPIW LWS DISPOSABLE INCOME NA DPIW= LIS_DPI -WLTHTAX - INTPAID - PTPAID + NCPRI
DPIT LWS DISPOSABLE INCOME+GAINS NA DPIT= DPIW + GAIN
VIII NAME BEHAVIOURAL VARIABLES
RISK1
FINANCIAL RISK TAKING WILLINGNESS NA
RISK2 DEMAND FOR SAFE INVESTMENTS NA
RISK3
LOTTERY QUESTION NA
RISK4 SELF-ASSESSED ACTUAL RISK TAKING IN
THE PAST NA
SAVE_1-SAVE_6 SAVING MOTIVES
NA
PRECS AMOUNT NEEDED TO COVER
UNEXPECTED EXPENSES NA
HORIZ
FINANCIAL TIME HORIZON NA
SPEND MONEY SHOULD BE SPENT NA
FLIT1 EFFORT OR TIME SPENT IN OBTAINING
FINANCIAL INFORMATION NA
FLIT2_1-FLIT2_10IMPORTANT FINANCIAL INFORMATION
SOURCES NA
CARD POSSESSION OF CREDIT CARDS Whether somebody in the household has credit card0 'no' 1 'y es'
1 'no cards' 2'1 or 2 cards' 3 '3 or
NCARD
4 cards' 4 '5 or more cards' -8
NUMBER OF CREDIT CARDS Number of credit cards in the household 'not applicable'
ONBK USE ONLINE BANKING NA
HLTH1
SPORTS NA
HLTH2A
SMOKE NA
HLTH2B
CIGARETTES PER DAY NA
ATT1
OVERALL HAPPINESS NA
ATT2 LEVEL OF WORRY NA
ATT3
VOLUNTARY COMMITMENT NA
EXTRA VARIABLES
0= original v alue 1= at least one
component of TD was capped in FTD=0; *original v alue; if
FTD FLAG: TOTAL DEBT Flag f or Total Debt (TD) original data WDTOTAL=999999999 then FTD=1;
