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Appendix One Scottish Household Survey Questions

HOUSEHOLD SAMPLE 1999/00 to 2005/06

1. Financial products

1999/00
HI1 Do you (or your partner) have a bank or building society account?

2001/02
HI1 Do you (or your partner) have a bank account or building society account or a credit union account?

2003/04
HI1 Which of these accounts, if any, do you or your partner have?

• Bank account;
• Building society account;
• Credit union account;
• None;
• Refused;

2005/06
HI1 Which of these accounts, if any, do you or your partner have?

• Bank account;
• Building society account;
• Credit union account;
• Post Office Card Account;
• None;
• Refused;

2. Savings and Investments

1999/00 - 2005/06
HI2 At the moment do you (or your partner) have any money invested in any of the places mentioned on this card? (options presented in HI1)

1999/00 -2005/06
HI3 (If answered yes to HI2) How much do you (and your partner) have saved or invested altogether?

3. Credit and Borrowing

2005/06
CREDIT 1 Do you or your partner, use any of the different ways of buying things listed on this card?

• Credit cards (like Access or Visa etc);
• Charge Cards (like American Express, Dinners Club) NOT Switch or Maestro;
• Shop store cards (like BHS, Marks & Spencer etc);
• Catalogues or mail order schemes;
• Hire purchase agreements;
• Shopping vouchers or cards from companies like Provident or Shopacheck;
• None or these;
• Refused.

2005/06
CREDIT 2 Over the past 12mths have you (or your partner) used any of these ways to borrow money?

• A bank overdraft;
• A fixed term loan from a Bank, Building Society or Credit Union NOT MORTGAGE;
• A loan from a finance company like Provident;
• A loan from a money lender or 'tally man';
• A loan from a friend or relative;
• A loan, or advance on wages, from your employer;
• A ( DSS) Social Fund Loan;
• A cheque cashing service where the money is not taken from your account for a week or two;
• A pawnbroker;
• Other;
• None of these;
• Refuses.

4. Mortgage

1999/00 - 2003/04
HJ1 (If answered 2 or 3 in HB5 - buying or shared ownership) Does your household have a mortgage or loan outstanding on this property?

2005/06
HJ1 Does your household have a mortgage or loan outstanding on this property?

5. Insurance

1999/00 - 2001/02
HK1 (Ask all) Is your household currently covered by:

• home contents insurance
• house/building insurance
• no, neither
• don't know

2003/04 - 2005/06
HK1 (Ask if property owned or buying (HB5 1,2,3)) Is your household currently covered by:

• home contents insurance
• house/building insurance
• no, neither
• don't know

HK1A (Ask if property rented (HB5= 4)) Is your household currently covered by home contents insurance or not?

(HK1 and HK1A are combined in data to make a single variable HK1)

6. Perceptions of financial management

1999/00 - 2005/06
HK2 Taking everything together, which of these phrases best describes how you and your household are managing financially these days?

7. Internet Access

1999/00
HC6 (Only asked to those coded yes for computer in HC5 - does household have PC) Do you currently have access to email or the internet from home?

2001/02
HC6 (Only asked to those coded yes for computer in HC5 - does household have computer/ PC) For each member of the household do they use the internet for their personal use?

HC7 (For all members who use the internet) Where does (name) use it?

• [1] At home

2003/04 and 2005/06
HC5B (Ask all) Does your household currently have access to the internet from home?

RANDOM ADULT SAMPLE

8. Use of the internet

2001/02 - 2005/06
RC7 (Asked of those household coded as using internet at HC6) Which of these things have you ever used the internet for?

• [10] Personal banking/ financial/ investment activities.

RC8 (Asked of those household coded as using internet at HC6) And which others, if any do you think you would like to use the internet for in the future?

• [10] Personal banking/ financial/ investment activities.

9. Convenience/ inconvenience of services

1999/00 - 2003/04
RF13 Bearing in mind where they are and your own personal circumstances, please tell me how convenient or inconvenient you would find it to make use of their services during their normal opening hours, assuming you needed to?

• [1] Post office
• [2] Bank

2005/06
RF13 Bearing in mind where they are and your own personal circumstances, please tell me how convenient or inconvenient you would find it to make use of their services during their normal opening hours, assuming you needed to?

• [1] A Post Office
• [2] Banking Services
• [3] A Cash machine or ATM

2005/06
RF13C How often do you use these services?

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