Debit and Credit 4

Attitude to money and conduct in investing money as well as assets.
Topics: Assessment of personal and social future
(optimistic future expectation); current and expected future
personal financial situation; attitude to provision for old age and
security of pensions as well as necessity of occupation with one's own
financial provision for old age (scale); type of personal compulsory
pension; possession and acquisition plans for private
retirement insurance; moral orientations and importance of goals in life
(scale); personal events in the last 5 years in the
areas occupation, finances, personal life, family and household
(mobility); attitude to money and investments (scale); playing
Lotto and Toto; savings habits; annual savings amounts; savings goals;
taking out credit and loans; having mortgages; familiarity and possession
of investment forms; purchase or inheritance of forms of investment and
age at starting to purchase forms of investment oneself; acquisition intents
for selected forms of investment; preference for selected forms of investment;
judgement criteria for investments; investment forms considered
advantageous currently and in future; less advantageous
forms of investment; preferred form of consultation with bank matters;
classification of level of information about financial matters;
information and decision behavior with investments (scale);
degree of familiarity of public and business banks; stating
personal bank connections and account possession; primary bank connection and
length of tie to one's bank; reasons for change of bank;
familiarity and interest in use of direct banking as well as
telephone banking and home banking; attitude to direct bank offers
(scale); types of account with primary bank as well as with further banks;
attitude to increase of technology in every-day bank transactions such as e.g.
use of automatic tellers and taking care of bank transactions by
computer (scale); significance of personal contact with
bank employees; telephone equipment and possession of computer in
household as well as in the office; degree of familiarity,
interest and use of information systems and on-line services; attitude to
credit card use (scale); familiarity and possession of credit cards;
frequency of use and monthly expenditures through credit cards;
preferred credit cards and interest in credit cards;
possession of Eurocheque cards; degree of familiarity,
possession and preference of selected investment companies for public funds and
land companies as well as foreign
investment companies; attitude to insurance (scale);
knowledge and possession of selected private as well as public
life insurance companies; preference and possession of
life insurance policies; possession and age at starting selected
types of life insurance; intent to acquire
life insurance policies; familiarity of activities of foreign
insurance companies in Germany as well as contact and use of foreign
insurance companies; comparison of strength of performance and reputableness
as well as trust in foreign insurance companies in comparison to
German insurance companies; preferred form of consultation with
insurance matters; attitudes to saving with a building and loan association
and to real estate (scale); familiarity and preference
of Loan and Building Associations; possession
of building loan contracts; amount of construction saving
and practices in saving for construction;
purpose for building loan contracts; age at starting
building loan contract; intent to complete a building loan contract;
preferred financing method for house or residence; information on type
and extent of possession of real estate; living on the property;
second possession;
age at starting with possession of real estate; intents to obtain real estate;
planning time interval and purpose for the real estate;
status of land, residential status; type of construction;
floor space; type of heating and heating energy used; building or residence has
yard, balcony or terrace; interest in information on modernization;
renovation intents; special equipment of the building with under floor heating,
heat pump, solar facility and fireplace; knowledge of foreign languages;
reading magazines; watching television.
Also encoded were:
SINUS Milieus.