These next questions are about financial topics. Before we collect details, please think in general about money issues. In the past twelve months, have you talked with anyone about how to handle your finances -- for example, how you manage your money or whether or not to get a credit card?

In the past twelve months, who have you talked with about money issues most often?

We now have some questions about your household's income during the calendar year 2012. We appreciate that our questions are difficult to answer and sometimes seem intrusive. As with other questions in this survey, we want to reassure you that the information you provide to us is kept confidential.

(REFER TO SHOWCARD FF)

Before I ask you about the calendar year 2012, just one question about the previous year, 2011. Considering your (and if you had a partner, your partner's) earning and all other income, which of these categories would you say best describes your family's total income from all sources in the calendar year 2011?

{KEY_MARSTAT}==1 ||
{YOUTH_PARTNER}==1

COMMENT: R is married or living with a partner

Now let's start with some questions about your earnings and income in the year 2012.

Now let's start with some questions about the earnings and income [you/you and your spouse/you and your partner] received during 2012. I'll ask you first about your earnings and business income and then the earnings and business income of your [spouse/partner].

During 2012, did you receive any income from a job such as wages, salary, commissions, or tips?
Please include any income you received from doing odd jobs, temporary or seasonal work, and service in the military, the military reserves, or the National Guard. Also, please be sure to include any 2012 income from the jobs you discussed with me earlier.

I know some questions are difficult to answer and sometimes seem intrusive. As I said before, the information you provide to us is kept confidential. During 2012, did you have any income from odd jobs, self-employment or employee-type jobs?

During 2012, how much income did you receive from wages, salary, commissions, or tips from all jobs, before deductions for taxes or for anything else?

(REFER TO SHOWCARD FF)

[[Please look at this card]]

Can you tell me the letter of the category that is your best estimate of the amount you received in 2012 in wages, salary, commissions and tips?

(Excluding any income you already have mentioned) During 2012, did you receive any money in income from your own farm, business, partnership, or professional practice?

During 2012, how much income did you receive from your own farm, business, partnership or professional practice AFTER EXPENSES?

(IF RESPONDENT LOST MONEY ON OWN FARM, BUSINESS, ETC. AFTER EXPENSES ENTER NEGATIVE VALUE)

(REFER TO SHOWCARD EE)

[[Please look at this card]]

Can you tell me the letter of the category that corresponds to the range that includes the amount of income you received in 2012 from your own farm, business, partnership or professional practice after expenses?

During 2012, did you receive any income from Worker's Compensation?

During 2012, how much income did you receive from Worker's Compensation?

(REFER TO SHOWCARD GG)

[[Please look at this card]]

Can you tell me the letter for the range that best describes the amount of income you received in 2012 from Worker's Compensation?

Were you married or in a marriage-like relationship at any time during 2012?

Remember that for this survey, a marriage-like relationship is defined as a sexual relationship in which partners establish one household and live together for a period of at least three months. Please include any marriages or marriage-like relationships during 2012 that you may have already told me about during this interview.

Now I would like to ask about the earnings and business income of your [spouse/partner]. During 2012, did your [spouse/partner] receive any income from a job such as wages, salary, commissions, or tips?
Please include any income your [spouse/partner] received from doing odd jobs, temporary or seasonal work, and service in the military, the military reserves or the National Guard.

Please remember that the information you provide to us about yourself and your [spouse/partner] is kept strictly confidential. Did your [spouse/partner] have any income from any jobs during 2012?

During the 52 weeks of 2012, how many weeks did your [spouse/partner] work at all jobs, either full-time or part-time, not counting work around the house?

In the weeks that your [spouse/partner] worked in 2012, how many hours did [YINC_HE_SHE] usually work per week?

During 2012, how much did your [spouse/partner] receive from wages, salary, commissions, or tips from all jobs, before deductions for taxes or anything else?

(REFER TO SHOWCARD FF)

[[Please look at this card]]

Can you tell me the letter of the category that is your best estimate of the amount your [spouse/partner] received in 2012 in wages, salary, commissions and tips?

(Excluding any income you already have mentioned) During 2012, did your [spouse/partner] receive any money in income from [his/her] farm, business, partnership, or professional practice?

During 2012, how much did your [spouse/partner] receive from [his/her] farm, business, partnership or professional practice AFTER EXPENSES?

(IF [spouse/partner] LOST MONEY AFTER EXPENSES ENTER NEGATIVE VALUE.)

(REFER TO SHOWCARD EE)

[[Please look at this card]]

Can you tell me the letter of the category that corresponds to the range that includes the amount of income your [spouse/partner] received during 2012 from [his/her] farm, business, partnership or professional practice after expenses?

During 2012, did your [spouse/partner] receive any income from Worker's Compensation?

During 2012, how much income did your [spouse/partner] receive from Worker's Compensation?

(REFER TO SHOWCARD GG)

[[Please look at this card]]

Can you tell me the letter for the range that best describes the amount of income your [spouse/partner] received in 2012 from Worker's Compensation?

Now I would like to ask about other sources of income [you/you and your spouse/you and your partner] may have received in 2012.

{KEY_HHBIOKID}==1 || {KEY_HHSTEPKID}==1 || {KEY_HHADOPKID}==1

COMMENT: R has kids on household or non-resident roster

Have child support payments ever been agreed to or awarded for any of [your children/your or your spouse's/partner's children] living here?

During 2012, were [you/you or your spouse/you or your partner] supposed to receive any child-support payments?

How much did [you/you and your spouse/you and your partner] receive in child-support during 2012?

(REFER TO SHOWCARD GG)

[[Please look at this card]]

Can you tell me the letter of the category that corresponds to the range that includes the amount of income [you/you and your spouse/you and your partner] received in 2012 in child support payments?

We have asked about the earnings and business income that [you/you and your spouse/you and your partner] received in 2012 as well as child support payments you have received. Now, think about other sources of income that [you/you and your spouse/you and your partner] had in that year.

During 2012 did [you/you or your spouse/you or your partner] receive any interest or dividend income? Interest can come from interest-earning-checking accounts, savings accounts, money market accounts, bonds, treasury notes, IRA accounts, or certificates of deposit. Dividends can come from stocks or mutual funds.

What was the total amount of interest and dividend income [you/you and your spouse/you and your partner] received during 2012, including even small amounts and amounts reinvested or credited to the account?

(REFER TO SHOWCARD HH)

[[Please look at this card]]

Can you tell me the letter of the category that is your best estimate of the amount of income [you/you and your spouse/you and your partner] received in 2012 in interest and dividend payments?

During 2012 did [you/you or your spouse/you or your partner] receive any rental income from any land, business property, apartments, or houses which [you/you or your spouse/you or your partner] own, or money from any estates, trusts, annuities or inheritances, or any money as gifts from friends or family?

What was the total amount of rental income and money from estates or trusts or gifts [you/you and your spouse/you and your partner] received during 2012?

(REFER TO SHOWCARD GG)

[[Please look at this card]]

Can you tell me the letter of the category that is your best estimate of the amount of rental income and money from estates or trusts and gifts [you/you and your spouse/you and your partner] received in 2012?

During 2012 did [you/you or your spouse/you or your partner] receive income from any other sources, such as Social Security payments, pension or retirement income including survivor's benefits, alimony, veterans or GI benefits, payments from life insurance policies or any other regular or periodic source of income?

What was the total amount [you/you and your spouse/you and your partner] received from all of these other sources during 2012?

(REFER TO SHOWCARD GG)

[[Please look at this card]]

Can you tell me the letter of the category that is your best estimate of the total amount [you/you and your spouse/you and your partner] received from all other sources of income in 2012?

The Earned Income Tax Credit (EITC) is a refundable Federal tax credit for eligible individuals and families who work and have earned income below a certain amount. The EITC reduces the amount of tax you owe, and it may give you a refund.

Did [you/you or your spouse/you or your partner] claim, or are [you/you or your spouse/you or your partner] planning to claim, an Earned Income Tax Credit on your [or your spouse's/or your partner's] FEDERAL INCOME TAX RETURN for the year 2012?

Now please think about any other adult family members you lived with during calendar year 2012. At any time during the year, did you live with any of your relatives [YINC_MSFILL9X]?

During 2012, what was the combined income of all these family members that you lived with during that year? Just tell me total income across all of these people rounded to the nearest $10,000.


INTERVIEWER: IF R REPORTS SOME INCOME, READ PROBE:

Please include income from any full or part time jobs, temporary or seasonal work and service in the military, military reserves or the National Guard, a farm, a business or professional partnership, Social Security, pensions, welfare, interest, gifts or anything else. Please do not include your own income or the income you've already reported for your spouse or partner.

(REFER TO SHOWCARD FF)

[[Please look at this card]]

Can you tell me the letter of the category that is your best estimate of this amount?

Which of the following best describes [yours/yours and your spouse's/yours and your partner's] financial condition?

During the last 12 months, have [you/you or your spouse/you or your partner] used a cash advance service using any of your credit cards?

During the past 12 months, have [you/you or your spouse/you or your partner] obtained a payday loan?

During the past 12 months, have [you/you or your spouse/you or your partner] been late in paying your rent or your mortgage by more than 60 days?

During the past 12 months, were [you/you or your spouse/you or your partner] pressured to pay bills by stores, creditors, or bill collectors?