Understanding America Study42 24 4 10 28 34 21 8 0 20 40 60 80 100 Percent LISS UAS Inactive Mildly active Moderately active Active Very active Chi-sq (P-value) 16.20. 0.00. Measured

Understanding America Study

Arie Kapteyn

Table of Contents• CESR• UAS:

– Sampling– Weighting– Recruiting– Response rates and Attrition– Data downloads

• Core data• Non-survey data

Center for Economic and Social Research (CESR)

• We are a start-up (3 years out) with a multidisciplinary mission.

• Two offices:– CESR West (Los Angeles)– CESR East (Washington DC and Singapore)

• Currently about 60 staff, and growing• Our Internet panel is only one of the tools we

use, but a fun one

UAS is a population representativeInternet Panel of Households

• CentERpanel in the Netherlands (1996)• The American Life Panel (ALP) at RAND (2006)• LISS panel in the Netherlands (2006)• Distinctive features:

– Recruiting not via Internet– Provide Internet access to potential

respondents without it

The UAS team has been part of building probability Internet panels for decades

The UAS is Address Based1. Draw zip-codes; buy addresses.2. Advance notification letter.3. After 1 week, 10 minute mail survey with $5 prepaid incentive.4. $15 for returning completed survey; survey asks for interest in

study participation. Non-Internet respondents are offered a tablet and Internet.

5. 2 weeks after the survey mailing, non-respondents are mailed a reminder postcard.

6. 2 weeks after the reminder postcard is mailed, a second copy of the survey is mailed to all sample members who have not returned a complete survey.

7. 3 weeks after the second copy of the survey is mailed, follow-up phone calls, up to 15 attempts

Not everyone signs up

• Of those who express an interest in participating, only about half actually log in to the UAS survey page.

• Endgame: offer $40 to everyone who said to be interested, but did not log in.

We document every step and make all information available online

• Sampling• Weighting• Recruiting• Response rates and attrition• Data downloads

Sampling

• Since we use addresses we can select zip-codes based on population characteristics

• So we can move the sample composition in the direction of a target population.

Data Sources1. UAS demographic composition2. CPS - 2016 ASEC3. ACS - 5-year combined file with marginal

distributions (+ some interactions, but not complete cell info) at the zip-code level.

4. Urbanicity by zip code (zcta) from a file based on the Census

Analytical Steps• Define cells per zip-code that can be compared

to frequencies in the UAS• Next draw from the collection of zip-codes, such

that zip-codes that will bring the UAS distribution closer to the ACS distribution have a higher probability of being selected

• The criterion of “closeness” is if it will lower the UAS weights (the design effect).


• Weighting

Weights• The benchmark distributions are derived from CPS, March

Annual Social and Economic Supplement (ASEC).• The socio-demographic variables whose distributions are

matched to produce sample weights in the UAS are:• Gender x Education

– HS or Less; Some College; Assoc. College Degree; Bachelor; Master/Professional/Doctorate)

• Race/Ethnicity– White; Black; Others; Hispanic

• Gender x Age– 18/34; 35/44; 45/54; 55/64; 65+

• Household Income x Number of Household Members– =$75,000;– One Member; Two or Three Members; Four or More Members


• Recruiting

Recruitment page describes each recruitment step and the results of each.

List of batches (out of 12, currently)


• Response rates and attrition

If you click on any of them, you get this

And this …


• Data download

When you click on a file you see this

The following data are collected from all respondents and are available to

everyone who collects new data (or not)• Cognitive tests/numeracy/financial literacy• Life Satisfaction• Personality (big five); Grit• Core HRS instrument (every two years)• Financial Management• Knowledge of Social Security rules

Some fun things

New data

• Measure all electronic transactions in real time by having panel members sign up to a financial aggregation web-site (NSF)

• Measure physical activity and relate to self-reports (NIA)

• And more…

Measure Financial Transactions

user_idinstitution_name account_name

account_type

account_balance

transaction_date

transaction_description transaction_category

transaction_amount

transaction_status

8 Discover Fin Personal Loan Personal 7/14/2016 Credit Card Payments POSTED8 Chase CHASE CHECKING CHECKING 7/25/2016 Uncategorized POSTED8 Chase CHASE CHECKING CHECKING 7/25/2016 Education POSTED8 Chase CHASE CHECKING CHECKING 7/25/2016 Uncategorized POSTED8 Chase CHASE CHECKING CHECKING 7/25/2016 Restaurants/Dining POSTED8 Chase CHASE CHECKING CHECKING 7/25/2016 Healthcare/Medical POSTED8 Chase CHASE CHECKING CHECKING 7/22/2016 Uncategorized POSTED8 Chase CHASE CHECKING CHECKING 7/21/2016 Uncategorized POSTED8 Chase CHASE CHECKING CHECKING 7/20/2016 Restaurants/Dining POSTED8 Chase CHASE CHECKING CHECKING 7/20/2016 Pets/Pet Care POSTED8 Chase CHASE CHECKING CHECKING 7/19/2016 Uncategorized POSTED8 Chase CHASE CHECKING CHECKING 7/18/2016 Uncategorized POSTED8 Chase CHASE CHECKING CHECKING 7/18/2016 Restaurants/Dining POSTED8 Chase CHASE CHECKING CHECKING 7/18/2016 Gasoline/Fuel POSTED8 Chase CHASE CHECKING CHECKING 7/18/2016 Transfers POSTED8 Chase CHASE CHECKING CHECKING 7/18/2016 Insurance POSTED8 Chase CHASE CHECKING CHECKING 7/18/2016 Restaurants/Dining POSTED8 Chase CHASE CHECKING CHECKING 7/18/2016 Restaurants/Dining POSTED

Blocked out to protect privacy

yodlee_download_2

user_idinstitution_nameaccount_nameaccount_typeaccount_balancetransaction_datetransaction_descriptiontransaction_categorytransaction_amounttransaction_status

5

6

7

8Discover Financial Services - Personal LoansPersonal LoanPersonal-6861.467/14/16Payment by WEBCredit Card Payments-473.92POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/25/16SMITHS 7130 DURANGO LAS VEGASNV 07/24Uncategorized-38.85POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/25/16CC SCHOOL D SURE PAYPPD ID: 1886000030Education2042.52POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/25/16SMITHS 7050 N. DURANGO LAS VEGASNV 942167 07/25Uncategorized-18.32POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/25/16STARBUCKS CARD RELOAD 800-782-7282 WA 07/25Restaurants/Dining-25POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/25/16WALGREENS STORE 6825 N LAS VEGASNV 801717 07/25Healthcare/Medical-28.1POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/22/16GALLUP INC -US 402-938-6339 NE07/20Uncategorized-15POSTED



8ChaseCHASE CHECKINGCHECKING2273.747/20/16PETSMART INC 1381 LAS VEGAS NV553782 07/20Pets/Pet Care-20.54POSTED


8ChaseCHASE CHECKINGCHECKING2273.747/18/16PANCHOS LAS VEGAS NV07/16Uncategorized-33.26POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/18/16METRO PIZZA GREEN VALLE HENDERSON NV 07/16Restaurants/Dining-52.24POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/18/16EXXONMOBIL 98709736 HENDERSONNV 07/15Gasoline/Fuel-21.49POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/18/16RENO INTERNATION ACH 775-830-7142 WEB ID: 5330903620Transfers-400POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/18/16ALLSTATE INS CO INS PREM 000000816319155 WEB ID: 1360719665Insurance-128.85POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/18/16OLIVE GARDEN 400044628 LAS VEGASNV 07/16Restaurants/Dining-79.24POSTED


8ChaseCHASE CHECKINGCHECKING2273.747/15/16PINK NAILS LAS VEGAS NV07/13Personal Care-46POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/15/16STARBUCKS STORE 09887 LAS VEGASNV 07/13Restaurants/Dining-4.81POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/15/16DISCOVER BANK PREARRANGEPPD ID: 6510020271Uncategorized-473.92POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/15/16KFC LJS D212096 LAS VEGAS NV07/14Restaurants/Dining-32.42POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/14/16Wal-Mart Super Center LAS VEGASNV 07/14General Merchandise-24.72POSTED


8ChaseCHASE CHECKINGCHECKING2273.747/12/16Online Transfer to CHK ...3528 transaction#: 5521993847Transfers-15POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/11/16Online Transfer to CHK ...3528 transaction#: 5517753398Transfers-26.68POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/11/16JCPENNEY STORE 2848 LAS VEGAS NV098634 07/10Clothing/Shoes-99POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/11/16CVS/PHARMACY #08782 LAS VEGAS NV07/10Healthcare/Medical-11.04POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/11/16UNR-TELE-WEB REGIS #2 RENO NV07/08Personal Care125POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/11/16FINDLAY HONDA LAS VEGAS NV371229 07/09Automotive Expenses-899.16POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/11/166226 GREAT CLIPS AT MON LAS VEGAS NV 07/08Personal Care-16POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/11/16KOHL'S DEPT STRS CHG PYMT 043000094267146 WEB ID: 9044021343Clothing/Shoes-50.55POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/11/16TARGET CARD SRVC BILL PAY 000000002832790 WEB ID: T510215170General Merchandise-45.89POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/11/16ACS Express Pay ECHECK PAY F070318652 WEB ID: 4952501112Checks-50POSTED


8ChaseCHASE CHECKINGCHECKING2273.747/11/16ACS Express Pay ECHECK PAY F070318651 WEB ID: 4952501112Checks-70.99POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/11/16CAPITAL ONE ONLINE PMT 619039919663890 WEB ID: 9279744991Credit Card Payments-300POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/8/16CC SCHOOL D SURE PAYPPD ID: 1886000030Education1998.39POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/8/16ATM WITHDRAWAL002489 07/08201 S STEATM/Cash Withdrawals-60POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/7/16SOUTHWES 526242562 800-435-9792 TX 07/05Travel-201.99POSTED



8ChaseCHASE CHECKINGCHECKING2273.747/7/16PINOTS PALETTE HENDER 702-917-5404 NV 07/06Uncategorized-39POSTED



8ChaseCHASE CHECKINGCHECKING2273.747/7/16COACHUSA/MEGABUS WWW.MEGABUS.C NJ 07/06Travel-22POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/6/16ARCO #42411 LAS VEGAS NV789112 07/06Gasoline/Fuel-24.94POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/5/16ATM WITHDRAWAL004457 07/056460 SKYATM/Cash Withdrawals-40POSTED


8ChaseCHASE CHECKINGCHECKING2273.747/1/16TARGET CARD SRVC BILL PAY 000000002832790 WEB ID: T510215170General Merchandise-455.8POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/1/16KOHL'S DEPT STRS CHG PYMT 043000099021650 WEB ID: 9044021343Clothing/Shoes-37.84POSTED

8ChaseCHASE CHECKINGCHECKING2273.747/1/16CAPITAL ONE ONLINE PMT 618239919139126 WEB ID: 9279744991Credit Card Payments-300POSTED

8ChaseCHASE CHECKINGCHECKING2273.746/30/16Online Payment 5493316597 To PROVIDENT FUNDINGMortgages-985POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/22/16SANTA FE REWARDS CENTER LAS VEGAS NV 07/20Other Income-3.19POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/22/16BUFFET AT ASIA II LAS VEGAS NV07/21Restaurants/Dining-21.07POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/22/16WWW.DONALDJTRUMP.COM WWW.DONALDJTR NY 07/21Online Services-32.35POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/21/16CENTURY THEATERS PR PAYMENTPPD ID: 1510368667Entertainment365.88POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/21/16ARCO #42855 AMPM LAS VEGAS NV752547 07/21Gasoline/Fuel-23.92POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/21/16HWARO LAS VEGAS NV07/19Uncategorized-6.56POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/20/16CENTURY THEATRES 484 LAS VEGAS NV 07/19Entertainment-1.75POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/20/16CHEVRON/TERRIBLE HERBS LAS VEGASNV 018745 07/19Gasoline/Fuel-6.25POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/18/16SWEET TOMATOES 68 Q14 HENDERSONNV 07/18Restaurants/Dining-22.71POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/18/16ARCO #42695 AMPM HENDERSON NV799140 07/18Gasoline/Fuel-10.43POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/15/16SANTA FE STARBUCKS LAS VEGAS NV07/13Restaurants/Dining-6.71POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/13/16SQ *IS SWEET Las Vegas NV07/12Restaurants/Dining-11.63POSTED


8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/12/16Online Transfer from CHK ...4424transaction#: 5521993847Transfers15POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/12/16ALPHA SIGMA PHI FRATER 317-8431911 IN 07/10Uncategorized-62POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/12/16ARCO #42855 AMPM LAS VEGAS NV778979 07/11Gasoline/Fuel-22.89POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/12/16TARGET T- 6480 Sky Poi Las VegasNV 07/12General Merchandise-5.4POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/11/16TRADER JOE'S # 097 HENDERSON NV250035 07/08Groceries-5.98POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/11/16PANDA EXPRESS 642 LAS VEGAS NV07/09Restaurants/Dining-10.98POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/11/16CHOWKING- LAS VEGAS LAS VEGAS NV07/09Restaurants/Dining-5.4POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/11/16Online Transfer from CHK ...4424transaction#: 5517753398Transfers26.68POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/11/16GATA THAI CUISINE HENDERSON NV07/09Restaurants/Dining-19.24POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/11/16NEVADA DMV-14 775-684-4522 NV07/07Automotive Expenses-11POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/11/16CENTURY THEATRES 484 LAS VEGAS NV 07/10Entertainment-7POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/11/16ATM WITHDRAWAL004702 07/107000 N DUATM/Cash Withdrawals-20POSTED


8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/11/16CHEVRON/TERRIBLE HERBS LAS VEGASNV 048695 07/09Gasoline/Fuel-26.68POSTED


8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/11/16LAYLA GRILL & HOOKAH LAS VEGAS NV 07/10Restaurants/Dining-14.8POSTED


8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/8/16TESORO # 62536 LAS VEGAS NV07/08Gasoline/Fuel-6.76POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/8/16BURGER KING #11940 LAS VEGAS NV07/07Restaurants/Dining-10.45POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/7/16CENTURY THEATERS PR PAYMENTPPD ID: 1510368667Entertainment309.07POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/7/16NEVADA DMV-14 LAS VEGAS NV07/07Automotive Expenses-23.25POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/6/16HARBOR FREIGHT TOOLS 4 LAS VEGASNV 07/06Home Improvement-16.21POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/6/16THE HOME DEPOT 3301 LAS VEGAS NV304973 07/06Home Improvement-2.31POSTED


8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/5/16BATTLE BLAST LASER TAG LAS VEGASNV 06/30Uncategorized-20POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/5/16SUBWAY 00453936 LAS VEGASNV 07/04Restaurants/Dining-12.55POSTED



8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/1/16MOCHIKO CHICKEN LAS VEGAS NV06/30Restaurants/Dining-11.76POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/1/16Spotify USA New York NY07/01Entertainment-4.99POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.367/1/16SQ *SUZUYA PASTRIES&CRE Las Vegas NV 06/30Restaurants/Dining-4.59POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.366/29/1624/7 LAS VEGAS NV06/27Uncategorized-5.25POSTED

8ChaseHIGH SCHOOL CHECKINGCHECKING2280.366/29/16LYFT *RIDE MON 11PM LYFT.COM CA 06/28Travel-10.8POSTED


8ChaseHIGH SCHOOL CHECKINGCHECKING2280.366/29/16LYFT *RIDE TUE 1AM LYFT.COM CA06/28Travel-26.84POSTED

8Citibank (online.citibank.com)CheckingCHECKING5661.757/22/16ACH Electronic Debit - EDUCATION VSAC LOAN PAYMETransfers-137.37POSTED

8Citibank (online.citibank.com)CheckingCHECKING5661.757/20/16ACH Electronic CreditST. OF NEVADA NV32000Transfers79.62POSTED


8Citibank (online.citibank.com)CheckingCHECKING5661.757/14/16Debit Card Purchase 07/12 01:48a #3779OTL*SCORESENSE.COM 8006796327 TX 16195Online Services-29.95POSTED


8Citibank (online.citibank.com)CheckingCHECKING5661.757/5/16Debit Card Purchase 06/29 04:21p #3779HARD ROCK DENVER R DENVER CO 16183Restaurants/Dining-22.67POSTED

8Citibank (online.citibank.com)CheckingCHECKING5661.757/5/16Fee for Non-Citibank ATM useATM/Cash Withdrawals-2.5POSTED

8Citibank (online.citibank.com)CheckingCHECKING5661.757/5/16Debit PIN PurchaseSMITHS 7050 N. DURA LAS VEGAS NVUS02155Uncategorized-20POSTED

8Citibank (online.citibank.com)CheckingCHECKING5661.757/1/16Debit Card Purchase 06/28 02:00p #3779COLORADO CC CONCESS 00 DENVER CO 16182Education-50POSTED


8Citibank (online.citibank.com)CheckingCHECKING5661.756/29/16Debit Card Purchase 06/26 09:39p #3779BUFFALO WILD WINGS 033 DENVER CO 16180Restaurants/Dining-18.34POSTED

8Citibank (online.citibank.com)CheckingCHECKING5661.756/29/16Debit Card Purchase 06/26 10:45p #3779MILE HIGH GAS DENVER CO 16180Gasoline/Fuel-4.87POSTED

8Capital One Credit CardsPlatinum MasterCardCREDIT-7545.957/16/16APL* ITUNES.COM/BILL 866-712-7753 CA 95014 USAEntertainment-4.99POSTED

8Capital One Credit CardsPlatinum MasterCardCREDIT-7545.957/8/16CAPITAL ONE ONLINE PYMT A uthDate 08-JU L uthDate 08-JU LCredit Card Payments300POSTED

8Capital One Credit CardsPlatinum MasterCardCREDIT-7545.957/7/16APL* ITUNES.COM/BILL 866-712-7753 CA 95014 USAEntertainment-6.97POSTED

8Capital One Credit CardsPlatinum MasterCardCREDIT-7545.957/6/16INTEREST CHARGE:PURCHASESInterest-151.72POSTED

8Capital One Credit CardsPlatinum MasterCardCREDIT-7545.956/30/16CAPITAL ONE ONLINE PYMT A uthDate 30-JU N uthDate 30-JU NCredit Card Payments300POSTED

8VSAC Federal (Direct Loan Service)EdLoanUnknown4918.32

9

10

11Vanguard - InvestmentsJoseph W Lansing, Barbara J. LansingINDIVIDUAL204762.296/30/16Prime Money Mkt Fund-Dividend ReceivedInvestment Income38.46POSTED

11Vanguard - InvestmentsTHE WALDINGER CORPORATION PROFIT SHARING AND SAVINGS PLANINDIVIDUAL851456.176/30/16Total Bond Mkt Index Inv-Daily Accrual DividendsInvestment Income590.54POSTED

11Vanguard - InvestmentsRoth IRAROTH43516.44

11Vanguard - InvestmentsTraditional IRAIRA94705.566/30/16Tot Intl Bond Ix Admiral-Dividend ReceivedInvestment Income93.01POSTED

11American Express CardsBlue CashCREDIT-7517.777/25/1654TH STREET 0048 SAINT LOUIS 0 314-849-5401Uncategorized-28.64POSTED

11American Express CardsBlue CashCREDIT-7517.777/25/16PETSMART SAINT LOUI 11340675103 PET SHOP/FOOD/SUPPLYPets/Pet Care-17.14POSTED

11American Express CardsBlue CashCREDIT-7517.777/25/16BIG LOTS STORES - #1SAINT LOUIS 62426836 6142310065Home Improvement-16.39POSTED

11American Express CardsBlue CashCREDIT-7517.777/25/16MACY'S EAST #655 000ST LOUIS 04550470816 8002896229Clothing/Shoes-86.73POSTED

11American Express CardsBlue CashCREDIT-7517.777/24/16HACIENDA MEXICAN RESROCK HILL 85347016206 314-962-7100Restaurants/Dining-31.06POSTED

11American Express CardsBlue CashCREDIT-7517.777/24/16THE HOME DEPOT SAINT LOUIS 07230300723 800-654-0688Home Improvement-86.97POSTED

11American Express CardsBlue CashCREDIT-7517.777/24/16LOWE'S SAINT LOUIS INV # 09049 314-450-2140Home Improvement-15.03POSTED

11American Express CardsBlue CashCREDIT-7517.777/20/16SCHNUCKS #149 000000ST. LOUIS 000033696 3147715008Groceries-20.38POSTED

11American Express CardsBlue CashCREDIT-7517.777/19/16CHARTER COMMUNICATIO(888)438-24 83457800118 CHARTER COMMCable/Satellite Services-140.69POSTED

11American Express CardsBlue CashCREDIT-7517.777/19/16QT 648 QT 648 ST LOUIS DO 8002473452Gasoline/Fuel-30.28POSTED

11American Express CardsBlue CashCREDIT-7517.777/18/16UHAUL RENTAL/PURCHASSAINT LOUIS 00569614 (800)528-0463Automotive Expenses-30.41POSTED

11American Express CardsBlue CashCREDIT-7517.777/18/16BIG RVR RUNNING CO LSAINT LOUIS 74270746200 314-832-2400Uncategorized-152.09POSTED

11American Express CardsBlue CashCREDIT-7517.777/18/16THE HOME DEPOT SAINT LOUIS 07170300784 800-654-0688Home Improvement10.23POSTED

11American Express CardsBlue CashCREDIT-7517.777/18/16THE HOME DEPOT SAINT LOUIS 07170300786 800-654-0688Home Improvement-97.86POSTED

11American Express CardsBlue CashCREDIT-7517.777/18/16JOE BOCCARDI'S RISTOSAINT LOUIS 73011006199 3148497976Uncategorized-40POSTED

11American Express CardsBlue CashCREDIT-7517.777/17/16TARGET HAMPTON VILLASAINT LOUIS 00791981 DISCOUNT STOREGeneral Merchandise-73.93POSTED


11American Express CardsBlue CashCREDIT-7517.777/17/16SHELL OIL 5744331000AFFTON 0868729 AUTO FUEL DISPENSERGasoline/Fuel-26.68POSTED

11American Express CardsBlue CashCREDIT-7517.777/16/16REG:6TH ANNUAL WARRILOUISVILLE CH_18XD4I4C 8886002298Uncategorized-33.03POSTED


11American Express CardsBlue CashCREDIT-7517.777/15/16WAL-MART SUPERCENTERMAPLEWOOD 15870084 DISCOUNT STOREGeneral Merchandise162.23POSTED

11American Express CardsBlue CashCREDIT-7517.777/14/16WALGREEN SAINT LOUIS 99999996196 8002892273Healthcare/Medical-5.03POSTED

11American Express CardsBlue CashCREDIT-7517.777/13/16WAL-MART SUPERCENTERMAPLEWOOD 00010080423 DISCOUNT STOREGeneral Merchandise-162.23POSTED

11American Express CardsBlue CashCREDIT-7517.777/13/16TROY FLOORING CENTERTROY 200616 FLOOR COVERING STOREUncategorized-1611.4POSTED

11American Express CardsBlue CashCREDIT-7517.777/11/16THE HOME DEPOT 3011 ST. LOUIS 07100301133 800-654-0688Home Improvement-30.83POSTED


11American Express CardsBlue CashCREDIT-7517.777/10/16LOWE'S SAINT LOUIS INV # 11532 314-450-2140Home Improvement-21.1POSTED

11American Express CardsBlue CashCREDIT-7517.777/10/16MARSHALLS SAINT LOUIS 034100564978886277425Clothing/Shoes-72.67POSTED

11American Express CardsBlue CashCREDIT-7517.777/10/16GORUN.ORG WEST PALM B 85101596192561-833-4040Uncategorized-60POSTED

11American Express CardsBlue CashCREDIT-7517.777/10/16ANTHONINOS TAVERNA 0SAINT LOUIS 18840247 314-303-2863Restaurants/Dining-56.96POSTED

11American Express CardsBlue CashCREDIT-7517.777/10/16SCHNUCKS #192 000000ST LOUIS 000032321 3147525333Groceries-12.97POSTED

11American Express CardsBlue CashCREDIT-7517.777/9/1654TH STREET 0048 SAINT LOUIS 0 314-849-5401Uncategorized-10POSTED

11American Express CardsBlue CashCREDIT-7517.777/9/1654TH STREET 0048 SAINT LOUIS 0 314-849-5401Uncategorized-38.3POSTED

11American Express CardsBlue CashCREDIT-7517.777/8/16PANERA BREAD SAINT LOUIS 000003557 3143538227Restaurants/Dining-19.41POSTED

11American Express CardsBlue CashCREDIT-7517.777/7/16AUTOPAY PAYMENT - THANK YOUCredit Card Payments1718.56POSTED

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16Citi Credit CardsCiti Double Cash CardCREDIT-7308.097/1/16NIP-N-SIP DRIVE IN LANSING MIAutomotive Expenses-18POSTED

16Citi Credit CardsCiti Double Cash CardCREDIT-7308.097/1/16JBS PARTY AND PIZZA DIMONDALE MIRestaurants/Dining-16.14POSTED

16Citi Credit CardsCiti Double Cash CardCREDIT-7308.097/1/16CARL'S SUPERMARKET DIMONDALE MIGroceries-23.68POSTED

16Citi Credit CardsCiti Double Cash CardCREDIT-7308.097/1/16WENDY'S 745 DIMONDALE MIRestaurants/Dining-23.27POSTED

16Citi Credit CardsCiti Double Cash CardCREDIT-7308.096/30/16PIZZA HUT 14037 GRAND RAPIDS MIRestaurants/Dining-19.07POSTED

16Citi Credit CardsCiti Double Cash CardCREDIT-7308.096/30/16SUGAR BERRY FROZEN YOG LANSING MIUncategorized-12.93POSTED

16Citi Credit CardsCiti Double Cash CardCREDIT-7308.096/30/16SUNOCO 0149113300 QPS KALAMAZOO MIGasoline/Fuel-21.55POSTED

16Citi Credit CardsCiti Double Cash CardCREDIT-7308.096/30/16TACO BELL #5624 CHARLOTTE MIRestaurants/Dining-6.46POSTED


16Citi Credit CardsCiti Double Cash CardCREDIT-7308.096/29/16MICHAELS STORES 9987 LANSING MIHobbies-3.81POSTED

16Citi Credit CardsCiti Double Cash CardCREDIT-7308.096/29/16BETTER HEALTH FRAND LANSING MIHealthcare/Medical-8.69POSTED

16Citi Credit CardsCiti Double Cash CardCREDIT-7308.096/29/16MEIJER INC #023 Q01 LANSING MIGroceries-53.1POSTED

16Citi Credit CardsCiti Double Cash CardCREDIT-7308.096/29/16MICHAELS STORES 9987 LANSING MIHobbies-12POSTED

16Citi Credit CardsCiti Double Cash CardCREDIT-7308.096/29/16ZAYTOON GRILL LANSING MIRestaurants/Dining-16.41POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.467/27/16COMCAST CORP (NEW) CLASS AInvestment Income11.83PENDING

16Morgan Stanley OnlineRyan IRAIRA281146.467/27/16MEDTRONIC PLC SHSInvestment Income14.19PENDING

16Morgan Stanley OnlineRyan IRAIRA281146.467/21/16CHUBB LTDInvestment Income14.49POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.467/20/16ISHARES MSCI JAPAN ETFSecurities Trades7861.69POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.467/20/16ISHARES MSCI SOUTHKOREA CP ETFSecurities Trades2808.96POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.467/20/16ISHARES MSCI NEW ZEALND CP ETFSecurities Trades1369.48POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.467/20/16ISHARES MSCI DENMARK CAPPD ETFSecurities Trades2443.28POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.467/20/16DEUTSCHE X-TRACKERS MSCI JAPSecurities Trades7062.94POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.467/20/16SPDR S&P INTL ENERGY SECTORSecurities Trades1746.28POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.467/15/163RD QTR ADVISORY FEE IRA/653Service Charges/Fees693.24POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.467/15/16ECOLAB INCInvestment Income3.85POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.467/1/16MCKESSON CORPInvestment Income4.2POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.467/1/16GENUINE PARTS COInvestment Income18.41POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.466/30/16CROWN CASTLE INTL CORP NEW COMInvestment Income25.67POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.466/30/16MORGAN STANLEY BANK N.A. (Period 06/01-06/30)Investment Income0.54POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.466/30/16PEPSICO INC NCInvestment Income16.56POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.466/30/16UNION PACIFIC CORPInvestment Income17.6POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.466/30/16PIMCO FOREIGN BD US $ HEDGED P DIV PAYMENTInvestment Income3.91POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.466/30/16E V INCOME FUND OF BOSTON I DIV PAYMENTInvestment Income28.76POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.466/30/16BLACKROCK LOW DUR BD INV INST DIV PAYMENTInvestment Income19.8POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.466/30/16METROPOLITAN WEST TOT RET BD I DIV PAYMENTInvestment Income36.06POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.466/29/16SPDR S&P INT INDUSTRIALS SECInvestment Income18.53POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.466/29/16SPDR S&P INTL CONSUMER DISCInvestment Income13.64POSTED

16Morgan Stanley OnlineRyan IRAIRA281146.466/29/16NUANCE MID CAP VALUE INSTNL DIV PAYMENTInvestment Income15.88POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/163RD QTR ADVISORY FEEService Charges/Fees109.82POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/16NEUBERGER INTRINSIC VALUE INST CONFIRM NBRSecurities Trades530.98POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/16LYRICAL US VALUE EQUITY INSTL CONFIRM NBRSecurities Trades76.9POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/16TOUCHSTONE SMALL CAP GROWTH Y CONFIRM NBR QUANTITY EQUALS FRACTIONSecurities Trades1.99POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/16RIVERPARK/WEDGEWOOD INST CONFIRM NBRSecurities Trades78.98POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/16CAUSEWAY EMERGING MKTS INST CONFIRM NBRSecurities Trades1046.99POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/16WELLS FARGO SPECIAL MDCP VL I CONFIRM NBRSecurities Trades59.93POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/16HARTFORD MIDCAP I CONFIRM NBRSecurities Trades519.97POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/16DELAWARE VALUE INSTL CONFIRM NBRSecurities Trades202.78POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/16PIMCO SHORT TERM P CONFIRM NBRSecurities Trades16.99POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/16HARDING LOEVNER INTL EQTY INST CONFIRM NBRSecurities Trades536.01POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/16E V INCOME FUND OF BOSTON I CONFIRM NBRSecurities Trades9POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/16LAZARD INTL STRAT EQ PTF INST CONFIRM NBRSecurities Trades373.31POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/16MATTHEWS ASIAN JAPAN INV CONFIRM NBRSecurities Trades547.54POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/16EDGEWOOD GROWTH INSTL CONFIRM NBR QUANTITY EQUALS FRACTIONSecurities Trades9.95POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/16BLACKROCK INFLAT PROT BOND I CONFIRM NBR QUANTITY EQUALS FRACTIONSecurities Trades4.98POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/16BLACKROCK LOW DUR BD INV INST CONFIRM NBRSecurities Trades65.99POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/16METROPOLITAN WEST TOT RET BD I CONFIRM NBR QUANTITY EQUALS FRACTIONSecurities Trades2.99POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.897/15/16CAMBIAR INTL EQUITY INV CONFIRM NBRSecurities Trades319.06POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.896/30/16MORGAN STANLEY BANK N.A. (Period 06/01-06/30)Investment Income0.01POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.896/30/16PIMCO SHORT TERM P DIV PAYMENTInvestment Income1.62POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.896/30/16E V INCOME FUND OF BOSTON I DIV PAYMENTInvestment Income19.46POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.896/30/16BLACKROCK INFLAT PROT BOND I DIV PAYMENTInvestment Income5.68POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.896/30/16BLACKROCK LOW DUR BD INV INST DIV PAYMENTInvestment Income6.1POSTED

16Morgan Stanley OnlineInvestmentsINDIVIDUAL54461.896/30/16METROPOLITAN WEST TOT RET BD I DIV PAYMENTInvestment Income6.97POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.517/15/163RD QTR ADVISORY FEE IRA/653Service Charges/Fees50.09POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.517/15/16NEUBERGER INTRINSIC VALUE INST CONFIRM NBRSecurities Trades259.99POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.517/15/16LYRICAL US VALUE EQUITY INSTL CONFIRM NBRSecurities Trades187.75POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.517/15/16RIVERPARK/WEDGEWOOD INST CONFIRM NBRSecurities Trades44.99POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.517/15/16CAUSEWAY EMERGING MKTS INST CONFIRM NBRSecurities Trades1054.99POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.517/15/16HARTFORD MIDCAP I CONFIRM NBRSecurities Trades257.98POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.517/15/16DELAWARE VALUE INSTL CONFIRM NBRSecurities Trades266.73POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.517/15/16PIMCO FOREIGN BD US $ HEDGED P CONFIRM NBRSecurities Trades271POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.517/15/16HARDING LOEVNER INTL EQTY INST CONFIRM NBRSecurities Trades180.98POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.517/15/16E V INCOME FUND OF BOSTON I CONFIRM NBRSecurities Trades533.99POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.517/15/16LAZARD INTL STRAT EQ PTF INST CONFIRM NBRSecurities Trades84.61POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.517/15/16MATTHEWS ASIAN JAPAN INV CONFIRM NBR QUANTITY EQUALS FRACTIONSecurities Trades7.85POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.517/15/16EDGEWOOD GROWTH INSTL CONFIRM NBR QUANTITY EQUALS FRACTIONSecurities Trades8.97POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.517/15/16BLACKROCK INFLAT PROT BOND I CONFIRM NBRSecurities Trades803.99POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.517/15/16BLACKROCK LOW DUR BD INV INST CONFIRM NBRSecurities Trades516.99POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.517/15/16METROPOLITAN WEST TOT RET BD I CONFIRM NBRSecurities Trades1340.34POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.517/15/16CAMBIAR INTL EQUITY INV CONFIRM NBRSecurities Trades51.83POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.517/15/16NUANCE MID CAP VALUE INSTNL CONFIRM NBR QUANTITY EQUALS FRACTIONSecurities Trades4.99POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.516/30/16PIMCO FOREIGN BD US $ HEDGED P DIV PAYMENTInvestment Income0.35POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.516/30/16E V INCOME FUND OF BOSTON I DIV PAYMENTInvestment Income2.74POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.516/30/16BLACKROCK LOW DUR BD INV INST DIV PAYMENTInvestment Income1.87POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.516/30/16METROPOLITAN WEST TOT RET BD I DIV PAYMENTInvestment Income3.48POSTED

16Morgan Stanley OnlineHeather IRAIRA27158.516/29/16NUANCE MID CAP VALUE INSTNL DIV PAYMENTInvestment Income1.53POSTED

16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/26/16WOW ONLINE PMT MORGAN STANLEY PAYMENTSTransfers104.99PENDING

16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/25/16DISCOVER E-PAYMENT CHK ACCT ENDING IN 9774Transfers810.27PENDING

16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/22/16TARGET ONLINE PMT MORGAN STANLEY PAYMENTSTransfers11.67POSTED

16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/21/16DIRECT DEP FUNDS RECVD CLARK CONST 9528 PAYROLLTransfers1538.65POSTED

16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/20/16Lansing Christia FACTS CHK ACCT ENDING IN 9774Transfers1043POSTED

16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/18/16CAP ONE AUTO ONLINE PMT MORGAN STANLEY PAYMENTSTransfers375POSTED

16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/15/16CHASE CARD SERV ONLINE PMT MORGAN STANLEY PAYMENTSTransfers1238.32POSTED


16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/14/16CITIBANK CRDT CD ONLINE PMT MORGAN STANLEY PAYMENTSTransfers3473.58POSTED

16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/13/16DIRECT DEP FUNDS RECVD ALLSTATE INS CO INS PREMTransfers25.1POSTED

16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/12/16AMERICAN EXPRESS ONLINE PMT MORGAN STANLEY PAYMENTSTransfers992.7POSTED

16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/11/16ATM FEE REVERSALService Charges/Fees2.5POSTED

16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/11/163315 E Michigan A Lansing MI Transaction Date : 07/11/2016Uncategorized202.5POSTED

16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/8/16DIRECT DEP FUNDS RECVD CLARK CONSTR1515 PAYMENTSTransfers227.04POSTED


16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/5/16PIEDMONT NAT GAS ONLINE PMT MORGAN STANLEY PAYMENTSTransfers30.5POSTED

16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/1/16CITY OF CHARLOTT ONLINE PMT MORGAN STANLEY PAYMENTSTransfers56.28POSTED

16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/1/16DUKE POWER ONLINE PMT MORGAN STANLEY PAYMENTSTransfers53.04POSTED

16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/1/16ACCESSONE MEDCAR ONLINE PMT MORGAN STANLEY PAYMENTSTransfers228POSTED

16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/1/16THE HOME DEPOT ONLINE PMT MORGAN STANLEY PAYMENTSTransfers35.11POSTED

16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/1/16STRAWBRIDGE STUDIOS INC Check # 1018Checks22POSTED

16Morgan Stanley OnlineCheckingINDIVIDUAL25296.987/1/16STRAWBRIDGE STUDIOS INC Check # 1019Checks22POSTED


16Morgan Stanley OnlineCheckingINDIVIDUAL25296.986/30/16MORGAN STANLEY BANK N.A. (Period 06/01-06/30)Investment Income0.64POSTED

16American Express CardsBlue CashCREDIT-326.177/22/16FOREUP GOLF - MOTO 0OREM 99999996203 8009295737Hobbies-87POSTED

16American Express CardsBlue CashCREDIT-326.177/16/16WAL-MART STORE#2867 LANSING 17678750 DISCOUNT STOREGeneral Merchandise5.22POSTED

16American Express CardsBlue CashCREDIT-326.177/15/16CRUTCHFIELD CHARLOTTESV 11476623 800-955-9091Electronics-39.99POSTED

16American Express CardsBlue CashCREDIT-326.177/13/16WAL-MART 2867 2867 LANSING 00010035011 DISCOUNT STOREGeneral Merchandise-28.87POSTED

16American Express CardsBlue CashCREDIT-326.177/12/16ELECTRONIC PAYMENT RECEIVED-THACredit Card Payments992.7POSTED

16American Express CardsBlue CashCREDIT-326.177/8/16SPEEDWAY 02211 LAK 5EAST LANSIN 707952546 5173326760Gasoline/Fuel-3.58POSTED

16Chase Credit CardsA. HESSLERCREDIT3855.19

16Chase Credit CardsH. BAARCREDIT3855.19

16Chase Credit CardsR. BAARCREDIT3855.19

16Chase Credit CardsAll AccountsUNKNOWN_1-3855.197/11/16TWC*TIME WARNER CABLECable/Satellite Services-334.18POSTED

16Chase Credit CardsAll AccountsUNKNOWN_1-3855.197/11/16PURCHASE INTEREST CHARGEInterest-40.86POSTED

16Chase Credit CardsAll AccountsUNKNOWN_1-3855.197/8/16STERITECHPaychecks/Salary-115.5POSTED

16Chase Credit CardsAll AccountsUNKNOWN_1-3855.197/8/16NUCO2 LLCBusiness Miscellaneous-354.14POSTED

16Chase Credit CardsAll AccountsUNKNOWN_1-3855.197/6/16Payment Thank You Bill PaCredit Card Payments1897.3POSTED

16Chase Credit CardsAll AccountsUNKNOWN_1-3855.197/5/16LATE FEEService Charges/Fees-39POSTED

16Chase Credit CardsAll AccountsUNKNOWN_1-3855.197/1/16SAMS CLUB #8219General Merchandise-67.94POSTED

16Chase Credit CardsCREDIT CARDCREDIT-77/15/16Payment Thank You Bill PaCredit Card Payments1238.32POSTED

16Chase Credit CardsCREDIT CARDCREDIT-77/14/16AMAZON MKTPLACE PMTSGeneral Merchandise-7POSTED

16Chase Credit CardsCREDIT CARDCREDIT-77/12/16AMAZON MKTPLACE PMTSGeneral Merchandise-499POSTED

16Chase Credit CardsCREDIT CARDCREDIT-77/12/16AMAZON MKTPLACE PMTSGeneral Merchandise-30.74POSTED

16Chase Credit CardsCREDIT CARDCREDIT-77/4/16Amazon.comGeneral Merchandise-245.18POSTED

17

18TD Ameritrade Inc.CHRIS FERGUSON ROTH IRA TD AMERITRADE CLEARING, CUSTODIANROTH5.78

18TD Ameritrade Inc.CHRIS FERGUSONINDIVIDUAL1.06

18TD Ameritrade Inc.CHRIS FERGUSON IRA TD AMERITRADE CLEARING, CUSTODIANIRA0

18Wells FargoMORTGAGEMortgage-168726.287/10/16ESCROW REFUNDRefunds/Adjustments-65.1POSTED

18Wells FargoMORTGAGEMortgage-168726.287/4/16PAYMENTCredit Card Payments1354.98POSTED

18Wells FargoMORTGAGEMortgage-168726.287/4/16PRINCIPAL PMTLoans11.25POSTED

18Wells FargoMORTGAGEMortgage-168726.287/3/16MTG INS PMTMortgages-172.55POSTED

18Wells FargoWELLS FARGO CASH BACK VISA SIGNATURE CARDUNKNOWN_127/9/16SHUTTERFLY 800-986-1065 CAAdvertising29POSTED

18Wells FargoWELLS FARGO CASH BACK VISA SIGNATURE CARDUNKNOWN_127/8/16SHUTTERFLYAdvertising-29POSTED

18Wells FargoWELLS FARGO CASH BACK VISA SIGNATURE CARDUNKNOWN_127/7/16INTEREST ADJ - PURCHASES REFUNDInterest1POSTED

18Wells FargoWELLS FARGO CASH BACK VISA SIGNATURE CARDUNKNOWN_127/6/16FRAUD DISPUTED AMOUNTService Charges/Fees29POSTED

18Wells FargoWELLS FARGO CASH BACK VISA SIGNATURE CARDUNKNOWN_126/29/16INTEREST ADJ - PURCHASES REFUNDInterest1POSTED

18Wells FargoSAVINGSSAVINGS500.747/1/16RECURRING TRANSFER FROM FERGUSON C COMPLETE ADVANTAGE(RM) REF #OPEN99GFX9 XXXXXX0757Transfers75POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/27/16PURCHASE STORE 427 BL BLOOMINGTON MN CARD3557General Merchandise-10PENDING

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/27/16PURCHASE ST PAUL PUBL SAINT PAUL MN CARD3557General Merchandise-4PENDING

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/26/16Fidelity 529Gift 160725 FIDLTY000045834 FergusonChrisGifts-200POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/25/16PURCHASE WITH CASH BACK $ 10.00 AUTHORIZED ON 07/23 CUB FOODS #1633 PLYMOUTH MN P00306205863938242 CARD 3557Groceries-91.69POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/25/16INTEREST PAYMENTInterest0.01POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/25/16PURCHASE AUTHORIZED ON 07/24 PLYMOUTH CUB FO PLYMOUTH MN P00000000553233179 CARD 3557General Merchandise-13.93POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/25/16TRANSFER FROM FERGUSON ALYSON REF # PPE5S9BJQKTransfers400POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/25/16PURCHASE AUTHORIZED ON 07/23 MPLS METERS MULTI MINNEAPOLIS MN S466205536942391 CARD 3557Travel-2POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/25/16PURCHASE AUTHORIZED ON 07/22 BON APPETIT AT BES RICHFIELD MN S306204625100832 CARD 3557Restaurants/Dining-3.79POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/22/16ATM WITHDRAWAL AUTHORIZED ON 07/22 7601 PENN AVE SO RICHFIELD MN 0007961 ATM ID 9970R CARD 3557ATM/Cash Withdrawals-100POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/22/16PURCHASE AUTHORIZED ON 07/21 BP#8776981RICHFIEL RICHFIELD MN S466203759232430 CARD 3557General Merchandise-22.44POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/21/16MERCHANT-ISSUED PAYMENT CARD TARGET DEBIT CRD ACH TRAN 160720 000594543080005 174 TARGET - BLOOMINGTON MGeneral Merchandise-19.5POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/21/16PURCHASE AUTHORIZED ON 07/20 BEST BUY RICHFIELD MN S306202763979962 CARD 3557Electronics-6.16POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/19/16PURCHASE AUTHORIZED ON 07/17 HOLIDAY STNSTORE 3 GOLDEN VALLEY MN S466199781693508 CARD 3557Gasoline/Fuel-30POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/18/16PURCHASE AUTHORIZED ON 07/16 THE TIN FISH MINNEAPOLIS MN S386198600597306 CARD 3557Restaurants/Dining-12.14POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/18/16eBay Inc. PAYMENTS 160701 3034A0722A77 Chris FergusonGeneral Merchandise-72.51POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/18/16PURCHASE AUTHORIZED ON 07/17 WALGREENS #13841 GOLDEN VALLEY MN S306199746166358 CARD 3557Healthcare/Medical-15.33POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/18/16PURCHASE AUTHORIZED ON 07/16 PARK BOARD MULTI M MINNEAPOLIS MN S466198556328309 CARD 3557General Merchandise-3POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/18/16PURCHASE AUTHORIZED ON 07/16 WHEEL FUN RENTALS@ MINNEAPOLIS MN S166198565272984 CARD 3557Rent-22.63POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/18/16PURCHASE AUTHORIZED ON 07/16 PARK BOARD MULTI M MINNEAPOLIS MN S306198556567248 CARD 3557General Merchandise-3POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/15/16PURCHASE AUTHORIZED ON 07/15 CUB FOODS #01595 MINNEAPOLIS MN P00306197745132364 CARD 3557Groceries-8.64POSTED


18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/15/16PURCHASE AUTHORIZED ON 07/15 WALGREENS 2500 WINNETK GOLDEN VALLEY MN P00586198003452253 CARD 3557Healthcare/Medical-7.32POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/15/16PURCHASE AUTHORIZED ON 07/14 BEST BUY RICHFIELD MN S586196769452706 CARD 3557Electronics-2.99POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/15/16BESTBUY.COM, INC PAYROLL 160712 1009644 FERGUSON CHRISTOPHER LElectronics1804.95POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/15/16PURCHASE AUTHORIZED ON 07/15 COSTCO WHSE #0377 ST LOUIS PARK MN P00466197737471199 CARD 3557General Merchandise-21.93POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/15/16PURCHASE AUTHORIZED ON 07/15 COSTCO WHSE #0377 ST LOUIS PARK MN P00586197733498588 CARD 3557General Merchandise-199.12POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/14/16MERCHANT-ISSUED PAYMENT CARD TARGET DEBIT CRD ACH TRAN 160713 000594543082313 082 TARGET - MINNEAPOLIS MGeneral Merchandise-40.31POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/14/16BMW BANK BMWFS PYMT 160713 XXXXX8404 Christopher 1001750835Loans-300POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/13/16ATM WITHDRAWAL AUTHORIZED ON 07/13 8200 GOLDEN VALLEY RD GOLDEN VALLEY MN 0008113 ATM ID 9988N CARD 3557ATM/Cash Withdrawals-100POSTED

18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/13/16BEST BUY AUTO PYMT 160712 722038933130515 CHRIS FERGUSONElectronics-100POSTED

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18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/11/16CAPITAL ONE ONLINE PMT 619339919634840 8933554503FERGUSONCHRICredit Card Payments-135.31POSTED

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18Wells FargoCOMPLETE ADVANTAGE(RM)OTHER1582.967/1/16FID BKG SVC LLC MONEYLINE 160701 61888772216BAW3 CHRISTOPHER L FERGUSONTransfers-50POSTED

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19Wells FargoWAY2SAVE CHECKINGSAVINGS5618.546/30/16PURCHASE AUTHORIZED ON 06/29 NORTHERN COLORADO GREELEY CO S586181575974446 CARD 6405General Merchandise-157POSTED


19Wells FargoWAY2SAVE CHECKINGSAVINGS5618.546/30/16PURCHASE AUTHORIZED ON 06/29 SQ *ISBORN SECURIT gosq.com CO S586181772747112 CARD 6405Securities Trades-75POSTED

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Documents

Understanding America Study42 24 4 10 28 34 21 8 0 20 40 60 80 100 Percent LISS UAS Inactive Mildly active Moderately active Active Very active Chi-sq (P-value) 16.20. 0.00. Measured