Debit and Credit 1

1. Attitude to money and financial investment conduct.

2. Information on residence and type of heating.

Topics: 1. Attitude to money and financial investment conduct:
judgement on current and future personal economic situation; attitude
to money, saving and selected forms of investment, level of information
on money questions, on credit and banks (scale); need for information
regarding financial investments; judgement on current and future
advantageousness of selected investment forms; preferred form of
liquidity, yield and interest; savings habits; savings goals; motives
for saving; regularity of saving and savings amount; investment forms
actually used by respondent as well as other members of the household;
satisfaction with selected forms of investment; intended forms and
advisers in financial investment; annual investment amount; division of
assets in building loan contracts, life insurance policies, stocks and
shares and savings accounts; use of selected sources of information and
utilization of information about investment forms; person in the
household responsible for money questions; criteria for an ideal
investment in stocks, fixed-interest stocks and shares and investment
shares; possession of bank account or post office checking account and
Euro-check card; possession of credit card; personal bank and
possession of accounts; primary bank and financial transactions
conducted there; change of primary bank; reason for opening the first
account; criteria for a loan; borrowing and purpose; profile of demand
on a bank and evaluation of selected banks by means of this profile;
insurance policies taken out and time of contract conclusion as well as
amount of insurance; most important reasons for taking out a life
insurance policy, either straight-life or with survival benefit; type
of right to retirement support; possession of real estate and intent to
purchase a house; intent to renovate and type of planned renovations;
possession of a building loan contract or probability of conclusion;
taking out a loan from a building loan contract; motives and use for a
building loan contract; familiarity and reading of selected magazines
and newspapers.

2. Information on residence and type of heating: residential status;
year of construction of the building; length of residence; features
like yard, balcony or terrace; living space and number of rooms;
sanitary equipment; central heating; type of heating and type of energy
used; installation and planning of further heating possibilities and
reasons for this; type of energy for hot water and for cooking;
satisfaction with housing and judgement on the apartment or house by
means of selected criteria (scale); preferred areas for possibly saving
electricity; proportion of monthly heating costs in net household
income; amount of heating costs and use of heating oil in the last
billing period; preferred economy possibilities in selected areas of
life for the purpose of compensating increased heating costs; measures
conducted to save heating energy and adaptation of heating to reduced
energy need; reasons as well as cause of measures to save heating
energy; investment costs for these measures to save energy; receipt of
government subsidies or advantage of increased tax write-offs; energy
savings from these alteration measures; estimated amortization
duration; planned further measures to save energy; assessment of the
security of long-term provision of energy in the Federal Republic;
expected increase or decrease in the significance of individual types
of energy in the future; personal interest in energy supply; interest
in selected measures to save energy (scale); preferred sources of
information; number of apartments in building; type of residential
building.

Demography: age; sex; marital status; school education; vocational
training; number of children; occupational position; employment;
income; household income; size of household; composition of household;
respondent is head of household; presence at home between 6 PM and 8 PM
in the last three days; person taking care of household; employment in
the civil service; marriage in the last two years; change of place of
residence in the last two years; vocational training completed or
entering professional life in the last two years.

Also encoded was: place and date of interview; state; city size;
spontaneity in response on household income.