Federal Reserve Survey

Document Sample
Federal Reserve Survey Powered By Docstoc
					Percent of families with before-tax family income
120.0

100.0

80.0

Percent

60.0

All families

40.0

20.0

0.0 1989 1992 1995 Years 1998 2001 2004

Demographic Categories
Percentile of income 1= Less than 20 2=20-39.9 3=40-59.9 4=60-79.9 5=80-89.9 6=90-100 Age of head 1=Less than 35 2=35-44 3=45-54 4=55-64 5=65-74 6=75 or more Education of head 1=No high school diploma 2=High school diploma 3=Some college 4= College degree Race of respondent 1=White non-Hispanic 2=Nonwhite or Hispanic Work status of head 1=Working for someone else 2=Self-employed 3=Retired 4=Other not working Region 1=Northeast 2=Midwest 3=South 4=West

Housing status 1=Owner 2=Renter or other Percentile of net worth 1=25-49.9 2=50-74.9 3=75-89.9 4=90-100

AGE AGECL ANYPEN ASSET BOND BPLANCJ BUS BUSVEH CALL CASHLI CCBAL CDS CHECKING COMUTF DBPLANCJ DBPLANT DCPLANCJ DEBT DEQ EDCL EDN_INST EDUC EHCHKG EQUITINC EQUITY FIN GBMUTF GOVTBND HASSET HBOND HBROK HBUS HCALL HCASHLI HCCBAL HCDS HCHECK HDEBT HEDN_INST HELOC HEQUITY HFIN HHELOC HHOUSES HINSTALL HLIQ HMMA HMRTHEL HNFIN HNH_MORT HNMMF

HNNRESRE HODEBT HOMEEQ HORESRE HOTH_INST HOTHFIN HOTHLOC HOTHMA HOTHNFIN HOUSECL HOUSES HRESDBT HRETQLIQ HSAVBND HSAVING HSTOCKS HTRAD HVEH_INST HVEHIC INCCAT INCCL2 INCOME INDCAT INSTALL IRAKH KGBUS KGHOUSE KGORE KGSTMF KGTOTAL KIDS LATE60 LEASE LIFECL LIQ LLOAN1 LLOAN10 LLOAN11 LLOAN12 LLOAN2 LLOAN3 LLOAN4 LLOAN5 LLOAN6 LLOAN7 LLOAN8 LLOAN9 MARRIED MMA MORTBND MRTHEL

NBUSVEH NETWORTH NEWCAR1 NEWCAR2 NFIN NH_MORT NHNFIN NLEASE NMMF NNRESRE NOCHK NORMINC NOTXBND NOWN NSTOCKS NTRAD NVEHIC NWCAT OBMUTF OBND OCCAT1 ODEBT ORESRE OTH_INST OTHFIN OTHLOC OTHMA OTHNFIN OWN PENEQ PIRTOTAL PLOAN1 PLOAN2 PLOAN3 PLOAN4 PLOAN5 PLOAN6 PLOAN7 PLOAN8 PLOAN9 RACE RACECL REGION RESDBT RETEQ RETQLIQ SAVBND SAVED SAVING SAVRES1 SAVRES2

SAVRES3 SAVRES4 SAVRES5 SAVRES6 SAVRES7 SAVRES8 SAVRES9 STOCKS TPAY VEH_INST VEHIC WGT

age of head age of head have: any pension? assets bonds have: any pension on current job? business equity have: business vehicle? call accounts cash value life insurance credit card balances certificates of deposit checking accounts combination and other mutual funds have: db plan on current job? have: db plan on current job, or receiving benefits now, or will receive future pension benefits? have: account plan on current job? debt equity in directly held stocks, stock mutual funds, and combination mutual funds education of head education loans highest level of education achieved non-checking account holders that have had one in the past ratio of equity to normal income stock holdings, direct or indirect financial assets government bond mutual funds government bonds have: any assets? have: bonds? have: brokerage account? have: business asset? have: call account? have: cash value life insurance? have: credit card debt? have: cds? have: checking accounts? have: any debt? have: education loans home equity lines of credit have: stock holdings? have: financial assets? have: home equity lines of credit have: primary residence? have: installment debt? have: any transaction accounts? have: money market accounts? have: primary residential debt? have: nonfinancial assets? have: non-home equity mortgages have: mutual funds?

3 8 21

12 29 6

24

34

15 4

32

have: non-residential real estate assets? have: any other debt? net equity in primary residence have: other residential real estate? have: other installment loans have: other financial assets? have: line of credit balance, excluding home equity lines of credit? have: other managed assets? have: other nonfinancial assets? housing status primary residence have: other residential real estate debt? have: quasi-liquid assets? have: savings bonds? have: savings accounts? have: stocks? have: traded stocks in the past year? have: vehicle loans have: any vehicles? percentile of income income category: dollar ranges before-tax family income installment loans iras and keoghs capital gain on all businesses capital gain on primary residence capital gain on other real estate capital gain/loss on stocks and mutual funds unrealized net capital gain number of children families with any 60 day or more late payments have: leased vehicle? current life cycle phase transaction accounts aggregate loan balance at commercial bank aggregate loan balance on store and credit cards aggregate loan balance against pensions aggregate loan balance of n.e.c. aggregate loan balance at savings and loans aggregate loan balance at credit union aggregate loan balance at finance, loan or leasing company aggregate loan balance at brokerage or life insurance company aggregate loan balance at real estate lender aggregate loan balance from individual lender aggregate loan balance at other nonfinancial institution aggregate loan balance with government married or living with partner money market accounts mortgage backed bonds home-secured debt

18

1 27

23

5

25

number of business vehicles net worth number of new model vehicles less than 2 years old number of new model vehicles less than 1 year old nonfinancial assets non-home equity mortgages nonfinancial assets excluding principal residence number of leased vehicles mutual funds net equity in non-residential real estate families without checking account, excluding money market type accounts normal annual income tax-exempt bonds number of owned vehicles number of different companies in which hold stock number of trades in past year total number of vehicles both owned and leased percentile of net worth other bond mutual funds corporate and foreign bonds current work status of head other debt other residential real estate other installment loans other financial assets other lines of credit other managed assets other nonfinancial assets have: owned vehicle? thrift amounts invested in stock ratio of monthly payments to monthly income purpose of loan: home purchase purpose of loan: home improvement purpose of loan: vehicle loans purpose of loan: purchase of goods and services purpose of loan: for investments purpose of loan: for education purpose of loan: mortgage loans for other real estate purpose of loan: unclassifiable borrowing against pension plans purpose of loan: other unclassifiable race race or ethnicity of respondent region other residential real estate debt equity in quasi-liquid retirement assets retirement accounts savings bonds percentage of families reporting savings savings accounts reasons for saving: can't save reasons for saving: education

2

16 31

10 20

30 19 35 14 28 13 22

26 11 7

reasons for saving: family reasons for saving: home reasons for saving: purchases reason for saving: retirement reason for saving: liquidity reason for saving: investment reason for saving: other publicly traded stock total monthly loan payments vehicle loans owned vehicles analysis weight

9 33 17


				
DOCUMENT INFO
Shared By:
Stats:
views:84
posted:5/22/2008
language:English
pages:11