The name is absent



Table 6: Change in probability of having Joined After 2000
compared with having Joined Prior for changes in the levels of
the Joined After index individual.

Level

Reference level
(Joined After
index individual)

Change in
probability
Joined

After

Change in
probability

Joined

_______Prior

Born Asia/Oceania NESB

Aust ESB

0.238

-0.240

Born Africa/Middle East NESB

0.120

-0.120

Born Europe NESB

0.158

-0.158

Australian born non-English speaking background

English speaking
background

0.074

-0.084

Disability or long-term illness

No disability

0.052

-0.045

1 child

no children

-0.128

0.118

Single ~

With partner

0.041

-0.027

Age 25 years

age 29 years

-0.042

0.035

Age 40 years

age 29 years

-0.275

0.200

Age 50 years

age 29 years
no financial

-0.353

0.326

positive financial assets $30-$40k

assets

-0.125

0.160

positive financial assets > $50k

-0.183

0.237

negative financial assets < -$20k

-0.113

0.123

Wages $0

$60,000

-0.027

-0.083

Wages $40,000

-0.004

-0.025

Wages $100,000

-0.003

0.033

Wages $140,000

-0.013

0.056

Wages $180,000

-0.025

0.078

Wages $220,000

-0.038

0.100

Partner’s wages $0

$60,000

-0.014

-0.090

Partner’s wages $160,000

-0.037

0.095

Increase benefits $10,000 2001 to 2002

No increase

-0.075

0.020

Tertiary qualification

Diploma

0.037

-0.036

school only

diploma

0.081

-0.080

Manager

Professional

-0.043

0.047

Trade

-0.062

0.024

Service

-0.063

-0.002

Clerk

-0.053

0.048

Not lost job last 12 months

Lost job last 12
months

-0.073

0.027

Financially worse off last 12 months

Not financially
worse last 12

months

-0.120

0.032

Takes high financial risks

Takes average
financial risks

-0.010

0.020

Takes no financial risks

-0.030

0.071

No exercise

< 1 weekly

-0.064

0.062

~ base = Index individual, partner’s wages $0

17



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