Debit and Credit 3

Attitude to money and conduct in investing money and wealth.

Topics: willingness to pay for clothing, watches, jewelery, residence
furnishings, residential property, provision for old age, financial
reserves, antiques, motor vehicles, vacation, trips, hobbies, sport,
food, concerts, books, further education, television sets and video
equipment; personal events in the last 5 years in the areas of
occupation, finances, private life, family and household; attitude to
money, saving and selected forms of investment (scale); attitude to
borrowing; extent to which informed about financial investment
possibilities; safety orientation or returns orientation in financial
investment; liquidity orientation; attitude to saving with a building
and loan association and inclination to save; savings habits, savings
goals, savings motives; playing Lotto, Toto and other lottery games;
current borrowing and indication of private or business use; loans
repayed in the last 5 years; mortgage loan; living together with a
partner and person responsible for questions of day-to-day finances as
well as in major purchases; ability to make decisions in partner
household; conduct in gathering information on savings contracts,
stocks, fixed-interest stocks and shares, investment funds, loans,
building loan contracts, construction financing and life insurance
policies; amount of information gathered; assessment of pension
developments; necessity of personal financial provision for old age;
right to a pension from compulsory or voluntary membership; civil
service pension; supplementary pension in the civil service; company
provision for old age; knowledge about the anticipated amount of
pension in old age; trust in selected domestic and foreign banks,
insurance companies, industry loans as well as investment funds;
knowledge about the so-called ´Allfinanz´ offerings; ability of one´s
own bank as well as of insurance companies in selected financial
services; attitude to insurance business at a bank and bank business
with an insurance company; most important criteria for an ideal
financial investment; assessment of current and future most
advantageous financial investment as well as of the least advantageous
form of investment; degree of familiarity as well as forms of
investment found in one´s own household; specification of financial
investments obtained personally; age at purchase of selected stocks and
shares and precious metals; possible forms of investment in the next
three years; public bank and forms of investment one would further
recommend; degree of familiarity of public and business banks;
specification of personal bank; primary bank and length of tie to one´s
bank; change of one´s bank; possession of a personal checking account,
savings account, depot for stocks and shares or fixed-term deposits in
the primary as well as secondary bank; degree of familiarity and
possession of credit cards; especially preferred credit card; degree of
familiarity of so-called gold cards and interest in them; possession of
credit cards of selected companies; degree of familiarity as well as
possession and particular preference for stocks and shares funds and
real estate funds; knowledge and possession of selected private as well
as public life insurance companies; particularly preferred life
insurance companies; possession of dowry insurance for the children,
death benefit insurance, education insurance and life insurance
policies; age at conclusion of the first life insurance; intent to
conclude further life insurance policies and preference for straight
life or capital life insurance; personal possession of household
insurance, personal liability insurance, automobile liability
insurance, automobile third party, fire and theft insurance, legal
costs insurance as well as private health and hospital insurance;
others in the household having the above-mentioned insurance polices;
knowledge, possession and preference for selected loan and building
associations or building loan contracts; number of building loan
contracts and preference for certain loan and building associations;
building loan contracts in the repayment phase; age at conclusion of
first building loan contract; interest in conclusion of a building loan
contract; detailed information about type and extent of possession of
real estate; rented house, apartment and vacation house; possession of
plots available for building; agricultural and forestry possession;
type of renovation and addition planned for the house; age at purchase
of real estate; planned acquisition of real estate in the next five
years; planning time-frame; personal use or purchase of house or
apartment to rent; purchase of a weekend or vacation home at home or
abroad; residential status and type of building; year of construction
of house; type of heating and source of energy used; equipment of the
house or apartment with garden, balcony and terrace; living space;
special equipment in house: under floor heating, heat pump, solar
equipment, open fireplace or fireplace heater; media usage; use of
magazines; watching television.

Indices: type of financial investment; mentality groups; phase of
life; use of magazines and TV.