Routing for UAS304

intro
This survey focuses on you and your household’s financial situation. “Household” includes you and others living with you who contribute financially to your home. As you answer these questions, please think about all of your household members’ finances, taken as a whole. If you live alone, or do not consider anyone else to be a member of your household, please answer these questions as an individual.

For all questions, please answer to the best of your ability. If you are not sure how to answer a question, your best guess will do.
if section_order = empty then
section_order := mt_rand(1,2)
End of if
fi_intro2
These first few questions ask about your household's financial situation over the past 12 months. As you answer these questions, please think about your financial situation since July 2019.
if section_order = 2 then
si001 (household spending compared to income)
In the last 12 months, my household spent...
1 Much less than our income
2 A little less than our income
3 About equal to our income
4 A little more than our income
5 Much more than our income
si002 (household bill paying)
In the last 12 months, my household paid...
1 All bills on time
2 Nearly all bills on time
3 Most bills on time
4 Some bills on time
5 Very few bills on time
si003 (how long no income cash would support)
If our household stopped earning money today, the cash we have now would support us for...
1 6 months or more
2 3-5 months
3 1-2 months
4 1-3 weeks
5 Less than 1 week
si004 (how confident currently doing to meet longer term goals)
My household is doing what's needed to meet our long-term financial goals.
1 Very confident
2 Moderately confident
3 Somewhat confident
4 Slightly confident
5 Not at all confident
si005 (how manageable household debt)
My household has...
1 No debt
2 A manageable amount of debt
3 A bit more debt than is manageable
4 Far more debt than is manageable
si006 (rate credit score)
My credit score is...
1 Excellent
2 Very good
3 Good
4 Fair
5 Poor
6 I don't know
si007 (how confident insurance policies provide enough support)
My household’s insurance policies will provide enough support in an emergency.
1 Very confident
2 Moderately confident
3 Somewhat confident
4 Slightly confident
5 Not at all confident
6 No one in my household has any insurance
q194 (setting money aside for emergency)
Are you currently setting aside money for an emergency?
1 Yes
2 No
3 Don't know
si008 (household plans ahead financially)
My household plans ahead financially.
1 Agree strongly
2 Agree somewhat
3 Neither agree nor disagree
4 Disagree somewhat
5 Disagree strongly
End of if
q036 (total spending compared to income)
Which of the following statements best describes how your household's total spending compared to total income, over the last 12 months?
1 Spending was much less than income
2 Spending was a little less than income
3 Spending was about equal to income
4 Spending was a little more than income
5 Spending was much more than income
q039 (household financial ability)
Which of the following statements best describes how your household has paid its bills over the last 12 months?

My household has been financially able to:
1 Pay all our bills on time
2 Pay nearly all our bills on time
3 Pay most of our bills on time
4 Pay some of our bills on time
5 Pay very few of our bills on time
q044 (how long afford expenses without withdrawing from retirement or borrowing)
At your current level of spending, how long could you and your household afford to cover expenses, if you had to live on only the money you have readily available, without withdrawing money from retirement accounts or borrowing?
1 6 months or more
2 3-5 months
3 1-2 months
4 1-3 weeks
5 Less than 1 week
q045 (how confident currently doing to meet longer term goals)
Thinking about your household’s longer-term financial goals, such as saving for a vacation, starting a business, buying or paying off a home, saving up for education, putting money away for retirement, or making retirement funds last...
How confident are you that your household is currently doing what is needed to meet your longer-term goals?
1 Very confident
2 Moderately confident
3 Somewhat confident
4 Slightly confident
5 Not at all confident
q077 (how manageable household debt)
Thinking about all of your household’s current debts, including mortgages, bank loans, student loans, money owed to people, medical debt, past-due bills, and credit card balances that are carried over from prior months...

As of today, which of the following statements describes how manageable your household debt is?
1 Have a manageable amount of debt
2 Have a bit more debt than is manageable
3 Have far more debt than is manageable
4 Do not have any debt
q004 (rate credit score)
How would you rate your credit score? Your credit score is a number that tells lenders how risky or safe you are as a borrower.
1 Excellent
2 Very good
3 Good
4 Fair
5 Poor
6 I don't know
q112 (how confident insurance policies provide enough support)
Thinking about all of the types of insurance you and others in your household currently might have, including health insurance, vehicle insurance, home or rental insurance, life insurance, and disability insurance...

How confident are you that those insurance policies will provide enough support in case of an emergency?
1 Very confident
2 Moderately confident
3 Somewhat confident
4 Slightly confident
5 Not at all confident
6 No one in my household has any insurance
q113 (household plans ahead financially)
To what extent do you agree or disagree with the following statement:

"My household plans ahead financially."
1 Agree strongly
2 Agree somewhat
3 Neither agree nor disagree
4 Disagree somewhat
5 Disagree strongly
if section_order = 1 then
si001 (household spending compared to income)
In the last 12 months, my household spent...
1 Much less than our income
2 A little less than our income
3 About equal to our income
4 A little more than our income
5 Much more than our income
si002 (household bill paying)
In the last 12 months, my household paid...
1 All bills on time
2 Nearly all bills on time
3 Most bills on time
4 Some bills on time
5 Very few bills on time
si003 (how long no income cash would support)
If our household stopped earning money today, the cash we have now would support us for...
1 6 months or more
2 3-5 months
3 1-2 months
4 1-3 weeks
5 Less than 1 week
si004 (how confident currently doing to meet longer term goals)
My household is doing what's needed to meet our long-term financial goals.
1 Very confident
2 Moderately confident
3 Somewhat confident
4 Slightly confident
5 Not at all confident
si005 (how manageable household debt)
My household has...
1 No debt
2 A manageable amount of debt
3 A bit more debt than is manageable
4 Far more debt than is manageable
si006 (rate credit score)
My credit score is...
1 Excellent
2 Very good
3 Good
4 Fair
5 Poor
6 I don't know
si007 (how confident insurance policies provide enough support)
My household’s insurance policies will provide enough support in an emergency.
1 Very confident
2 Moderately confident
3 Somewhat confident
4 Slightly confident
5 Not at all confident
6 No one in my household has any insurance
q194 (setting money aside for emergency)
Are you currently setting aside money for an emergency?
1 Yes
2 No
3 Don't know
si008 (household plans ahead financially)
My household plans ahead financially.
1 Agree strongly
2 Agree somewhat
3 Neither agree nor disagree
4 Disagree somewhat
5 Disagree strongly
End of if
cv_intro
These next few questions ask about your experience with the coronavirus (also known as COVID-19), a disease with flu-like symptoms that has spread across the world. As you answer these questions, please think about your financial situation since March of this year, when the outbreak began in the United States.
qa042 (how much financial stress coronavirus)
How much financial stress, if any, has the coronavirus outbreak caused you?
1 High financial stress
2 Moderate financial stress
3 Some financial stress
4 No financial stress
cv001 (anyone in household tested positive)
Have you or anyone in your household tested positive for COVID-19?
1 Yes, I have
2 Yes, someone in my household has
3 No, no one in my household has
Group of questions presented on the same screen
qa032_intro
Have you or anyone in your household experienced any of the following issues since March due to the coronavirus outbreak? Please select all that apply.

Subgroup of questions
qa032a (Laid off from a job)
Laid off from a job
1 (YES) Yes
2 (NO) No
qa032b (Furloughed, on temporary leave from a job, or employer temporarily closed)
Furloughed, on temporary leave from a job, or employer temporarily closed
1 (YES) Yes
2 (NO) No
qa032c (Employer reduced hours or pay)
Employer reduced hours or pay
1 (YES) Yes
2 (NO) No
qa032h (Employer closed or permanently went out of business)
Employer closed or permanently went out of business
1 (YES) Yes
2 (NO) No
qa032d (Worked less because of lower demand for services offered)
Worked less because of lower demand for services offered
1 (YES) Yes
2 (NO) No
qa032i (Worked less due to childcare responsibilities or other personal constraints)
Worked less due to childcare responsibilities or other personal constraints
1 (YES) Yes
2 (NO) No
qa032e (A business that I or someone in my household owns earned less revenue )
A business that I or someone in my household owns earned less revenue
1 (YES) Yes
2 (NO) No
qa032g (Was unable to get to work due to childcare responsibilities or other personal constraints)
Was unable to get to work due to childcare responsibilities or other personal constraints
1 (YES) Yes
2 (NO) No
qa032f (other factor income decreased)
Other (please specify):
1 (YES) Yes
2 (NO) No
End of subgroup of questions
qa032f_other (specify other factor income decreased)
STRING
End of group of questions
cv002 (lost access to health insurance)
Have you or anyone in your household lost access to health insurance as a result of being laid off, furloughed, or terminated from your job?
1 Yes
2 No
3 Don't Know
Group of questions presented on the same screen
cv003a (how household income changed)
Please indicate if your household's total income and expenses have changed since March, as a result of the coronavirus outbreak. As you’re thinking about your household’s total income, please consider wages from employment, as well as government payments or income from other sources.

My household's income has...
1 Increased
2 Decreased
3 Stayed the same
cv003b (how household expenses changed)
My household's expenses have...
1 Increased
2 Decreased
3 Stayed the same
End of group of questions
Group of questions presented on the same screen
qa034_intro
Have you or anyone in your household taken any of the following actions since March to help you cope with the effects of the coronavirus outbreak? Please select all that apply.

Subgroup of questions
qa034a (Applied for a new job)
Applied for a new job
1 (YES) Yes
2 (NO) No
qa034h (Applied for unemployment benefits)
Applied for unemployment benefits
1 (YES) Yes
2 (NO) No
qa034b (Cut back on my expenses)
Cut back on my expenses
1 (YES) Yes
2 (NO) No
qa034c (Spent down savings )
Spent down savings
1 (YES) Yes
2 (NO) No
qa034d (Carried a balance on a credit card)
Carried a balance on a credit card
1 (YES) Yes
2 (NO) No
qa034m (Overdrew my checking account)
Overdrew my checking account
1 (YES) Yes
2 (NO) No
qa034e (Withdrew money from my retirement account)
Withdrew money from my retirement account
1 (YES) Yes
2 (NO) No
qa034f (Borrowed money from friends and family )
Borrowed money from friends and family
1 (YES) Yes
2 (NO) No
qa034g (Applied for a loan from a financial institution or online lender)
Applied for a loan from a financial institution or online lender
1 (YES) Yes
2 (NO) No
qa034i (Applied for other government benefits (SNAP, WIC, etc.))
Applied for other government benefits (SNAP, WIC, etc.)
1 (YES) Yes
2 (NO) No
qa034j (Borrowed using a payday loan, deposit advance, or pawn shop loan)
Borrowed using a payday loan, deposit advance, or pawn shop loan
1 (YES) Yes
2 (NO) No
qa034k (Sold something)
Sold something
1 (YES) Yes
2 (NO) No
End of subgroup of questions
End of group of questions
q019_intro
These next few questions ask about financial hardships you may have experienced since the coronavirus outbreak began in March. For each of these questions, please indicate whether the statements were often, sometimes, or never true for you or your household since March.
q019 (worried whether food would run out)
Since March, I worried whether our food would run out before I got money to buy more.
1 Often
2 Sometimes
3 Rarely
4 Never
q020 (worried about being able to afford rental or mortgage payment)
Since March, I worried about being able to afford my rental or mortgage payment.
1 Often
2 Sometimes
3 Rarely
4 Never
q021 (did not get healthcare)
Since March, I or someone in my household did not get healthcare we needed because we couldn’t afford it.
1 Often
2 Sometimes
3 Rarely
4 Never
q022 (stopped taking medication)
Since March, I or someone in my household stopped taking a medication or took less than directed due to the costs.
1 Often
2 Sometimes
3 Rarely
4 Never
qa038_intro
These next questions ask about stimulus payments (also known as "economic impact payments," "recovery rebates," or "stimulus checks") that you may have received from the federal government to help you make ends meet during the coronavirus outbreak.
qa038 (received stimulus payment)
Have you or anyone in your household received a stimulus payment from the federal government since the start of the coronavirus outbreak in March?
1 Yes
2 No
3 I'm not sure
if qa038 = 1 then
qa044 (how received stimulus)
How did you or someone in your household receive this stimulus payment? Please select all that apply.
1 Direct deposit into a bank account
2 Paper check sent in the mail
3 Prepaid card from the government sent in the mail (also known as an EIPCard)
4 Direct deposit onto my Direct Express card or other prepaid card
5 I'm not sure
if 2 in qa044 then
Group of questions presented on the same screen
qa45 (where cashed or deposited check)
You indicated you or someone in your household received your stimulus payment as a paper check in the mail. Where did you cash or deposit this check?
1 At a branch of a bank or credit union
2 At an ATM
3 At a check casher (Ace Check Express, Americash, Currency Exchange, Chester’s Check Casher, Speedy Check Casher, etc.)
4 At a retail or convenience store (a grocery store, drug store, WalMart, etc.)
5 Using mobile deposit on my phone
6 I haven't cashed or deposited the check
7 Other, please specify:
qa45_other (other where cashed or deposited check)
STRING
End of group of questions
if qa45 != 6 and qa45 = response then
qa46 (fees to cash or deposit check)
Did you pay any fees to cash or deposit this stimulus check?
1 Yes
2 No
3 I don't know
if qa46 = 1 then
qa47 (how many fees to cash or deposit check)
You indicated you paid fees to cash or deposit your stimulus payment check. How much did you pay? If you’re not sure, your best guess will do.
RANGE 0..9223372036854775807
End of if
End of if
End of if
cv004 (when stimulus primary checking account overdrawn or negative balance)
At the time you received your stimulus payment, was your primary checking account overdrawn or did the account have a negative balance?
1 Yes, my primary checking account was overdrawn
2 No, my primary checking account was not overdrawn
3 Does not apply (I don't have a checking account)
End of if
cv005_intro
These next few questions ask about other types of assistance you might have received in response to the coronavirus crisis. As you answer these questions, please think about your experience since March of this year.
if qa034h = 1 then
cv005 (receive unemployment benefits)
You indicated that you or someone in your household applied for unemployment benefits from the federal or state government. Did you receive these benefits?
1 Yes
2 No, our application was rejected
3 No, our application is still being processed
4 No, some other reason
5 I'm not sure
if cv005 = 1 then
cv006 (still receiving unemployment benefits)
Are you or is anyone in your household still receiving unemployment benefits from the federal or state government?
1 Yes, we are currently receiving unemployment benefits
2 No, we are no longer receiving unemployment benefits
3 I'm not sure
cv007 (how much unemployment benefits received)
Approximately how much money did you receive, or are you currently receiving, in federal and state unemployment benefits each week?
RANGE 0..9223372036854775807
End of if
End of if
Group of questions presented on the same screen
cv008_intro
Have you or anyone in your household applied for relief (such as deferral, forbearance, or forgiveness) on any of the following payments since March?

Subgroup of questions
cv008a (debt relief student loans )
Student loans
1 Yes
2 No
3 I'm not sure
4 Does not apply to my situation
cv008b (debt relief mortgage or rent )
Mortgage or rent
1 Yes
2 No
3 I'm not sure
4 Does not apply to my situation
cv008c (debt relief credit cards)
Credit cards
1 Yes
2 No
3 I'm not sure
4 Does not apply to my situation
cv008d (debt relief auto loans )
Auto loans
1 Yes
2 No
3 I'm not sure
4 Does not apply to my situation
cv008e (debt relief other loans )
Other loans, please specify:
1 Yes
2 No
3 I'm not sure
4 Does not apply to my situation
End of subgroup of questions
cv008e_other (specify debt relief other loans )
STRING
End of group of questions
if cv008a = 1 then
Group of questions presented on the same screen
cv009a (received student loans debt relief)
You indicated that you or someone in your household applied for relief on:

Student loans

Have you received this relief?
1 Yes
2 No, my application was rejected
3 No, my application is still being processed
4 I'm not sure
5 Other (please specify):
cv009a_other (other received student loan debt relief)
STRING
End of group of questions
End of if
if cv008b = 1 then
Group of questions presented on the same screen
cv009b (received mortgage or rent debt relief)
You indicated that you or someone in your household applied for relief on:

Mortgage or rent

Have you received this relief?
1 Yes
2 No, my application was rejected
3 No, my application is still being processed
4 I'm not sure
5 Other (please specify):
cv009b_other (other received mortgage or rent debt relief)
STRING
End of group of questions
End of if
if cv008c = 1 then
Group of questions presented on the same screen
cv009c (received credit cards debt relief)
You indicated that you or someone in your household applied for relief on:

Credit cards

Have you received this relief?
1 Yes
2 No, my application was rejected
3 No, my application is still being processed
4 I'm not sure
5 Other (please specify):
cv009c_other (other received credit card debt relief)
STRING
End of group of questions
End of if
if cv008d = 1 then
Group of questions presented on the same screen
cv009d (received auto loans debt relief)
You indicated that you or someone in your household applied for relief on:

Auto loans

Have you received this relief?
1 Yes
2 No, my application was rejected
3 No, my application is still being processed
4 I'm not sure
5 Other (please specify):
cv009d_other (other received auto loan debt relief)
STRING
End of group of questions
End of if
if cv008e = 1 then
Group of questions presented on the same screen
cv009e (received other loans debt relief)
You indicated that you or someone in your household applied for relief on:

Other loans: [specify debt relief other loans []]

Have you received this relief?
1 Yes
2 No, my application was rejected
3 No, my application is still being processed
4 I'm not sure
5 Other (please specify):
cv009e_other (other received other loan debt relief)
STRING
End of group of questions
End of if
Group of questions presented on the same screen
cv010 (received financial support)
Have you or anyone in your household received financial support (e.g. cash grants or direct payments) from any of the following non-government sources since March? Please check all that apply.
1 Non-profit organizations
2 Banks or credit unions
3 Online or mobile app
4 Friends and family
5 Other, please specify:
6 None of these sources
cv010_other (other received financial support)
STRING
End of group of questions
Group of questions presented on the same screen
cv011 (received financial advice)
Have you or anyone in your household received financial advice to help you cope with the coronavirus outbreak from any of the following sources since March? Please check all that apply.
1 Government
2 Non-profit organizations
3 Bank or credit union
4 Online or mobile app
5 Friends and family
6 Articles or online resources
7 Other, please specify:
8 None of these sources
cv011_other (other received financial advice)
STRING
End of group of questions
if cv011 = response and cv011 != 8 then
Group of questions presented on the same screen
cv012_intro
On a scale from 1 - 5 with 1 being the highest and 5 being the lowest, please rank how helpful you found the financial advice you received from each of the following sources:

Subgroup of questions
if 1 in cv011 then
cv012a (government how useful advice)
Government
1 1
Very helpful
2 2
3 3
4 4
5 5
Very unhelpful
End of if
if 2 in cv011 then
cv012b (non-profit organizationshow useful advice)
Non-profit organizations
1 1
Very helpful
2 2
3 3
4 4
5 5
Very unhelpful
End of if
if 3 in cv011 then
cv012c (bank or credit union how useful advice)
Bank or credit union
1 1
Very helpful
2 2
3 3
4 4
5 5
Very unhelpful
End of if
if 4 in cv011 then
cv012d (online or mobile app how useful advice)
Online or mobile app
1 1
Very helpful
2 2
3 3
4 4
5 5
Very unhelpful
End of if
if 5 in cv011 then
cv012e (friends and family how useful advice)
Friends and family
1 1
Very helpful
2 2
3 3
4 4
5 5
Very unhelpful
End of if
if 6 in cv011 then
cv012f (articles or online resources how useful advice)
Articles or online resources
1 1
Very helpful
2 2
3 3
4 4
5 5
Very unhelpful
End of if
if 7 in cv011 then
cv012g (other how useful advice)
Other: [other received financial advice[]]
1 1
Very helpful
2 2
3 3
4 4
5 5
Very unhelpful
End of if
End of subgroup of questions
End of group of questions
End of if
qa043_intro
These last questions ask about events related to the coronavirus outbreak that may happen in the future.
Group of questions presented on the same screen
qa043_intro2
For each of the following potential problems that could result from the coronavirus outbreak, please indicate how worried or not worried you are that you or your household will experience that issue in the future.

Subgroup of questions
qa043a (I or someone in my household will lose our job or our hours will be cut)
I or someone in my household will lose our job or our hours will be cut
1 Very worried
2 Somewhat worried
3 Not too worried
4 Not at all worried
6 Already happened to me or someone in my household
5 Doesn't apply to my situation
qa043b (My household will struggle to pay our rent, mortgage, or utility bills)
My household will struggle to pay our rent, mortgage, or utility bills
1 Very worried
2 Somewhat worried
3 Not too worried
4 Not at all worried
6 Already happened to me or someone in my household
5 Doesn't apply to my situation
qa043c (My household will struggle to afford basic necessities (like food and healthcare))
My household will struggle to afford basic necessities (like food and healthcare)
1 Very worried
2 Somewhat worried
3 Not too worried
4 Not at all worried
6 Already happened to me or someone in my household
5 Doesn't apply to my situation
qa043d (Someone in my household will become sick with the coronavirus )
Someone in my household will become sick with the coronavirus
1 Very worried
2 Somewhat worried
3 Not too worried
4 Not at all worried
6 Already happened to me or someone in my household
5 Doesn't apply to my situation
qa043f (health insurance won't provide enough financial support for healthcare )
My health insurance won't provide enough financial support for healthcare if I or someone in my family were to become seriously ill with the coronavirus
1 Very worried
2 Somewhat worried
3 Not too worried
4 Not at all worried
6 Already happened to me or someone in my household
5 Doesn't apply to my situation
qa043g (I will lose my health insurance)
I will lose my health insurance
1 Very worried
2 Somewhat worried
3 Not too worried
4 Not at all worried
6 Already happened to me or someone in my household
5 Doesn't apply to my situation
qa043h (I or someone in my household will struggle to pay student loans)
I or someone in my household will struggle to pay student loans
1 Very worried
2 Somewhat worried
3 Not too worried
4 Not at all worried
6 Already happened to me or someone in my household
5 Doesn't apply to my situation
qa043l (My household will use up all of our savings)
My household will use up all of our savings
1 Very worried
2 Somewhat worried
3 Not too worried
4 Not at all worried
6 Already happened to me or someone in my household
5 Doesn't apply to my situation
qa043i (My automobile will be repossessed)
My automobile will be repossessed
1 Very worried
2 Somewhat worried
3 Not too worried
4 Not at all worried
6 Already happened to me or someone in my household
5 Doesn't apply to my situation
qa043m (My household will be evicted from our home)
My household will be evicted from our home
1 Very worried
2 Somewhat worried
3 Not too worried
4 Not at all worried
6 Already happened to me or someone in my household
5 Doesn't apply to my situation
End of subgroup of questions
End of group of questions
cv013 (how expect US economy to do over next year)
Over the next year, do you expect the US economy as a whole to perform better, worse, or about the same as it is performing currently?
1 Better
2 About the same
3 Worse
CS_001 (HOW PLEASANT INTERVIEW)
Could you tell us how interesting or uninteresting you found the questions in this interview?
1 Very interesting
2 Interesting
3 Neither interesting nor uninteresting
4 Uninteresting
5 Very uninteresting
CS_003 (comments)
Do you have any other comments on the interview? Please type these in the box below.(If you have no comments, please click next to complete this survey.)
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