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.