savings behaviour
10 = [10]does not save
11 = [11]does not save: expenses exceed income
12 = [12]does not save: expenses about the same as income
20 = [20]saves

savings purpose: home purchase
0 = [0]not saving for home purchase
1 = [1]saving for home purchase

savings purpose: other major purchases
0 = [0]not saving for other major purchases
1 = [1]saving for other major purchases

savings purpose: financial investments (including business)
0 = [0]not saving for financial investments (including business)
1 = [1]saving for financial investments (including business)

savings purpose: old-age provisions
0 = [0]not saving for old-age provisions
1 = [1]saving for old-age provisions

savings purpose: paying debts
0 = [0]not saving for paying debts
1 = [1]saving for paying debts

savings purpose: unexpected events
0 = [0]not saving for unexpected events
1 = [1]saving for unexpected events

savings purpose: recreation and travel
0 = [0]not saving for recreation and travel
1 = [1]saving for recreation and travel

savings purpose: education
0 = [0]not saving for education
1 = [1]saving for education

savings purpose: other
0 = [0]not saving for other purposes
1 = [1]saving for other purposes

investment attitudes
1 = [1]prefers financial investments with VERY HIGH returns, but with A HIGH risk of losing part of the capital
2 = [2]prefers financial investments with a GOOD return, but also a FAIR degree of protection for the invested capital
3 = [3]prefers financial investments with a FAIR return, with a GOOD degree of protection for the invested capital
4 = [4]prefers financial investments with LOW returns, WITH NO RISK of losing the invested capital

before investing in financial assets consulted intermediary you bought them from
0 = [0]no
1 = [1]yes

labour force status
100 = [100]employed
200 = [200]unemployed
300 = [300]not in labour force
310 = [310]retired
320 = [320]in education
330 = [330]disabled
340 = [340]homemaker

employed (dummy)
0 = [0]not employed
1 = [1]employed

ILO employed (dummy)
0 = [0]not ILO employed
1 = [1]ILO employed

informal activity (dummy)
0 = [0]formal activity
1 = [1]informal activity

maternity/paternity/parental leave (dummy)
0 = [0]not on maternity/paternity/parental leave
1 = [1]on maternity/paternity/parental leave

multiple jobs holder (dummy)
0 = [0]one job
1 = [1]more than one job

part-time employment (dummy), main job
0 = [0]full-time
1 = [1]part-time

status in employment, main job
100 = [100]dependent employed
110 = [110]regular employee
120 = [120]non regular employee
200 = [200]self-employed
210 = [210]employer
220 = [220]own-account worker
230 = [230]member of producers co-operative
240 = [240]contributing family worker

temporary employment (dummy), main job
0 = [0]permanent employment
1 = [1]temporary employment

public sector (dummy), main job
0 = [0]private sector
1 = [1]public sector

economic activity (NACE rev. 2.1), job 1
1 = [1]agriculture, forestry and fishing
2 = [2]mining and quarrying
3 = [3]manufacturing
4 = [4]electricity, gas, steam and air-conditioning supply
5 = [5]water supply; sewerage, waste management and remediation activities
6 = [6]construction
7 = [7]wholesale and retail trade; repair of motor vehicles and motorcycles
8 = [8]transportation and storage
9 = [9]accommodation and food service activities
10 = [10]information and communication
11 = [11]financial and insurance activities
12 = [12]real estate activities
13 = [13]professional, scientific and technical activities
14 = [14]administrative and support service activities
15 = [15]public administration and defence; compulsory social security
16 = [16]education
17 = [17]human health and social work activities
18 = [18]arts, entertainment and recreation
19 = [19]other service activities
20 = [20]activities of households as employers; undifferentiated goods and services-producing activities of households for ow
21 = [21]activities of extraterritorial organizations and bodies

industry (21-category ISIC 4), main job
1 = [1]A-agriculture, forestry and fishing
2 = [2]B-mining and quarrying
3 = [3]C-manufacturing
4 = [4]D-electricity, gas, steam and air conditioning supply
5 = [5]E-water supply; sewerage, waste management and remediation activities
6 = [6]F-construction
7 = [7]G-wholesale and retail trade; repair of motor vehicles and motorcycles
8 = [8]H-transportation and storage
9 = [9]I-accommodation and food service activities
10 = [10]J-information and communication
11 = [11]K-financial and insurance activities
12 = [12]L-real estate activities
13 = [13]M-professional, scientific and technical activities
14 = [14]N-administrative and support service activities
15 = [15]O-public administration and defence; compulsory social security
16 = [16]P-education
17 = [17]Q-human health and social work activities
18 = [18]R-arts, entertainment and recreation
19 = [19]S-other service activities
20 = [20]T-activities of households as employers; producing activities of households
21 = [21]U-activities of extraterritorial organizations and bodies
90 = [90]indistinguishable

industry (17-category ISIC 3.1), main job
1 = [1]A-agriculture, hunting and forestry
2 = [2]B-fishing
3 = [3]C-mining and quarrying
4 = [4]D-manufacturing
5 = [5]E-electricity, gas and water supply
6 = [6]F-construction
7 = [7]G-wholesale and retail trade; repair
8 = [8]H-hotels and restaurants
9 = [9]I-transport, storage and communications
10 = [10]J-financial intermediation
11 = [11]K-real estate, renting and business activities
12 = [12]L-public administration and defence; compulsory social security
13 = [13]M-education
14 = [14]N-health and social work
15 = [15]O-other community, social and personal service activities
16 = [16]P-activities of private households as employers
17 = [17]Q-extra-territorial organizations and bodies
90 = [90]indistinguishable

industry (9-category recode), main job
1 = [1]agriculture, forestry and fishing
2 = [2]mining and quarrying; manufacturing; utilities
3 = [3]construction
4 = [4]wholesale and retail trade, repair; hotels and restaurants
5 = [5]transport, storage and communications
6 = [6]financial intermediation
7 = [7]real estate, renting and business activities
8 = [8]public administration; education; health and social work
9 = [9]other community, social/personal services; activities of households; extra-territorial
90 = [90]indistinguishable

industry (3-category recode), main job
1 = [1]agriculture
2 = [2]industry
3 = [3]services
9 = [9]indistinguishable

employment status, job 1
1 = [1]blue-collar worker or similar (including employee, apprentice, homeworker and sales assistant)
2 = [2]office worker
3 = [3]school teacher (all schools, including teacher with term appointment, special contract or similar)
4 = [4]junior/middle manager
5 = [5]senior manager, senior official, school head, director of studies, university teacher, magistrate

occupation (10-category ISCO), main job
1 = [1]managers
2 = [2]professionals
3 = [3]technicians and associate professionals
4 = [4]clerical support workers
5 = [5]services and sales workers
6 = [6]skilled agricultural, forestry and fishery workers
7 = [7]craft and related trades workers
8 = [8]plant and machine operators and assemblers
9 = [9]elementary occupations
10 = [10]armed forces occupations
90 = [90]indistinguishable

occupation (3-category recode), main job
1 = [1]managers and professionals (ISCO 1 & 2)
2 = [2]other skilled workers (ISCO 3-8, 10)
3 = [3]labourers/elementary (ISCO 9)
9 = [9]indistinguishable

full-year full-time (dummy)
0 = [0]not full-year, full-time worker
1 = [1]worked full-year, full-time last year

illiterate (dummy)
0 = [0]literate
1 = [1]illiterate

enrolled in education (dummy)
0 = [0]not enrolled
1 = [1]enrolled

highest grade/level of education completed
0 = [0]less than primary school
10 = [10]primary school, ISCED97 level 1
20 = [20]lower secondary school, ISCED97 level 2A
31 = [31]vocational secondary school (3 years of study), ISCED97 level 2C
32 = [32]upper secondary school diploma, ISCED97 level 3
51 = [51]3-year university degree/higher education, ISCED97 level 5A/5B
52 = [52]5-year university degree, ISCED97 level 5A
60 = [60]postgraduate qualification, ISCED97 level 5A/6

highest completed education level
100 = [100]low, less than upper secondary
110 = [110]less than primary
111 = [111]never attended
120 = [120]primary
130 = [130]lower secondary
200 = [200]medium, upper secondary and post-secondary non-tertiary
210 = [210]upper secondary
220 = [220]post-secondary non-tertiary
300 = [300]high, tertiary
310 = [310]BA, MA or equivalent, short-cycle tertiary
311 = [311]short-cycle tertiary
312 = [312]bachelor or equivalent
313 = [313]master or equivalent
320 = [320]doctorate or equivalent

education (3-category recode)
1 = [1]low
2 = [2]medium
3 = [3]high

educational qualification of your mother when she was your age
0 = [0]none
10 = [10]primary school, ISCED97 level 1
20 = [20]lower secondary school, ISCED97 level 2A
32 = [32]upper secondary school diploma, ISCED97 level 3
52 = [52]5-year university degree, ISCED97 level 5A
60 = [60]postgraduate qualification, ISCED97 level 5A/6

country of birth
2106 = [2106]Middle, Eastern and Southern Africa
2107 = [2107]Middle, Eastern, Western and Southern Africa
2146 = [2146]Democratic Republic of the Congo(formerly Zaire)
2167 = [2167]Western Sahara, Non-Self Gov. Territory
2197 = [2197]Saint Helena(U.K.), Non-Self Gov. Territory
2206 = [2206]Caribbean, Central and South America
2233 = [2233]Anguilla (U.K.), Non-Self Gov. Territory
2234 = [2234]British Virgin Islands (U.K.), Non-Self Gov. Territory
2235 = [2235]Cayman Islands (U.K.), Non-Self Gov. Territory
2236 = [2236]Montserrat (U.K.), Non-Self Gov. Territory
2237 = [2237]Turks and Caicos Islands (U.K.), Non-Self Gov. Territory
2238 = [2238]United States Virgin Islands (U.S.A.), Non-Self Gov. Territory
2275 = [2275]Falkland Islands (Malvinas) (U.K.), Non-Self Gov. Territory
2285 = [2285]Bermuda (U.K.), Non-Self Gov. Territory
2322 = [2322]Hong Kong, Special Admin. Region of China
2323 = [2323]Macao Special Admin. Region of China
2324 = [2324]Democratic People's Republic of Korea
2422 = [2422]Czechoslovakia (ceased to exist 1992)
2448 = [2448]United Kingdom of Great Britain and Northern Ireland
2468 = [2468]FRY/State Union of Serbia and Montenegro (ceased to exist in 2003/2006)
2469 = [2469]Federal People's Republic of Yugoslavia (ceased to exist 1992)
2525 = [2525]New Caledonia (France), Non-Self Gov. Territory
2537 = [2537]Guam (U.S.A.), Non-Self Gov. Territory
2548 = [2548]American Samoa (U.S.A.), Non-Self Gov. Territory
2549 = [2549]Pitcairn (U.K.), Non-Self Gov. Territory
2551 = [2551]Tokelau (New Zealand), Non-Self Gov. Territory

citizenship
1000 = [1000]citizen of the country of the survey
2106 = [2106]Middle, Eastern and Southern Africa
2107 = [2107]Middle, Eastern, Western and Southern Africa
2146 = [2146]Democratic Republic of the Congo(formerly Zaire)
2167 = [2167]Western Sahara, Non-Self Gov. Territory
2197 = [2197]Saint Helena(U.K.), Non-Self Gov. Territory
2206 = [2206]Caribbean, Central and South America
2233 = [2233]Anguilla (U.K.), Non-Self Gov. Territory
2234 = [2234]British Virgin Islands (U.K.), Non-Self Gov. Territory
2235 = [2235]Cayman Islands (U.K.), Non-Self Gov. Territory
2236 = [2236]Montserrat (U.K.), Non-Self Gov. Territory
2237 = [2237]Turks and Caicos Islands (U.K.), Non-Self Gov. Territory
2238 = [2238]United States Virgin Islands (U.S.A.), Non-Self Gov. Territory
2275 = [2275]Falkland Islands (Malvinas) (U.K.), Non-Self Gov. Territory
2285 = [2285]Bermuda (U.K.), Non-Self Gov. Territory
2322 = [2322]Hong Kong, Special Admin. Region of China
2323 = [2323]Macao Special Admin. Region of China
2324 = [2324]Democratic People's Republic of Korea
2422 = [2422]Czechoslovakia (ceased to exist 1992)
2448 = [2448]United Kingdom of Great Britain and Northern Ireland
2468 = [2468]FRY/State Union of Serbia and Montenegro (ceased to exist in 2003/2006)
2469 = [2469]Federal People's Republic of Yugoslavia (ceased to exist 1992)
2525 = [2525]New Caledonia (France), Non-Self Gov. Territory
2537 = [2537]Guam (U.S.A.), Non-Self Gov. Territory
2548 = [2548]American Samoa (U.S.A.), Non-Self Gov. Territory
2549 = [2549]Pitcairn (U.K.), Non-Self Gov. Territory
2551 = [2551]Tokelau (New Zealand), Non-Self Gov. Territory

place of birth (NUTS-2 regions Italy)
100 = [100]born in the same region
201 = [201]born in ITC1 - Piemonte
202 = [202]born in ITC2 - Valle d'Aosta
203 = [203]born in ITC4 - Lombardia
204 = [204]born in ITH1 and ITH2 - Trentino
205 = [205]born in ITH3 - Veneto
206 = [206]born in ITH4 - Friuli
207 = [207]born in ITC3 - Liguria
208 = [208]born in ITH5 - Emilia Romagna
209 = [209]born in ITI1 - Toscana
210 = [210]born in ITI2 - Umbria
211 = [211]born in ITI3 - Marche
212 = [212]born in ITI4 - Lazio
213 = [213]born in ITF1 - Abruzzo
214 = [214]born in ITF2 - Molise
215 = [215]born in ITF3 - Campania
216 = [216]born in ITF4 - Puglia
217 = [217]born in ITF5 - Basilicata
218 = [218]born in ITF6 - Calabria
219 = [219]born in ITG1 - Sicilia
220 = [220]born in ITG2 - Sardegna
300 = [300]lived outside Italy

immigrant (dummy)
0 = [0]not immigrant
1 = [1]immigrant

disabled (dummy)
0 = [0]not disabled
1 = [1]disabled

data wave
0 = [0]Historical Wave
1 = [1]Wave I
2 = [2]Wave II
3 = [3]Wave III
4 = [4]Wave IV
5 = [5]Wave V
6 = [6]Wave VI
7 = [7]Wave VII
8 = [8]Wave VIII
9 = [9]Wave IX
10 = [10]Wave X
11 = [11]Wave XI
12 = [12]Wave XII
13 = [13]Wave XIII

currency units
528 = [528]NLG - Netherlands Guilder (historic)

gross/net income information
100 = [100]gross, taxes and contributions fully captured
110 = [110]gross, taxes and contributions collected
120 = [120]gross, taxes and contributions imputed
200 = [200]net, taxes and contributions not captured
300 = [300]mixed, taxes and contributions insufficiently captured
310 = [310]mixed, total income account for full taxes and contributions, subcomponents do not
320 = [320]mixed, total income does not account for full taxes and contributions

individual income imputation (dummy)
0 = [0]no income imputation
1 = [1]income imputation

gender
1 = [1]male
2 = [2]female

marital status
100 = [100]married/in union
110 = [110]married
120 = [120]in consensual union
200 = [200]not married/not in union
210 = [210]never married/not in union
220 = [220]formerly married/in union
221 = [221]separated
222 = [222]divorced
223 = [223]widowed

relationship to household head
1000 = [1000]head
2000 = [2000]spouse/partner
2100 = [2100]spouse
2200 = [2200]cohabiting partner
3000 = [3000]child
3100 = [3100]own child (incl adopted)
3200 = [3200]step-child
3300 = [3300]foster child
4000 = [4000]other
4100 = [4100]other relative
4110 = [4110]spouse/partner of child
4120 = [4120]grandchild or greatgrandchild (incl in-laws)
4130 = [4130]parent/grandparent/ascendant (incl in-laws)
4131 = [4131]parent/grandparent/ascendant
4132 = [4132]parent/grandparent/ascendant-in-law
4140 = [4140]siblings (incl in-laws)
4150 = [4150]aunt/uncle
4160 = [4160]nephew/niece
4170 = [4170]cousin
4200 = [4200]other non-relative
4210 = [4210]housemate/roommate
4220 = [4220]domestic employee and his/her family
4230 = [4230]guest/visitor/boarder/lodger

living with partner (dummy)
0 = [0]not living with partner
1 = [1]living with partner

living with parents
100 = [100]living with parent(s)
110 = [110]living with one parent
120 = [120]living with two parents
200 = [200]not living with parent(s)