Table 4 Effect of Panel, Poverty, Age and Other Economic and Demographic Factors on Experience of Multiple Hardships Source: U.S. Bureau of the Census Internet Release date: December 31, 1998 ------------------------------------------------------------ coef. s.e. ------------------------------------------------------------ Ratio of income to pov. -0.27* 0.01 Head age 25 to 35 0.19* 0.07 Head age 35 to 45 0.21* 0.07 Head age 45 to 55 -0.07 0.08 Head age 55 to 65 -0.64* 0.09 Head 65 or over -1.46* 0.10 Head male -0.14* 0.04 Head black 0.25* 0.05 Head Hispanic -0.13* 0.06 Head other race -0.56* 0.11 Head married -0.10* 0.04 Children in household 0.42* 0.04 Head employed -0.15* 0.04 Education of head -0.05* 0.01 Head has work disability 0.70* 0.04 Received gov’t transfers 0.23* 0.05 Rented home 0.37* 0.04 All have health insurance -1.01* 0.04 Moved in last year 0.04 0.05 1992 Panel 0.05 0.04 1993 Panel -0.30* 0.04 Late panel respondent -0.08 0.05 Intercept -0.14* 0.13 N 41262 Null 31137.8 Residual 24995.3 Model 6142.5 D.F. 22 ------------------------------------------------------------ * indicates coefficient is greater than 2 times its standard error.