Just after graduation, you have joined ABC Financial Advisors as a Paraplanner. Your first job is to prepare basic financial statements and analyse the financial situation of a client. The prepared Fact Sheet is based on information provided by the client and reveals the following information:

The client, Ms Rae Adams, is employed as a Management Trainee at YZ Manufacturing. Her gross salary for the 2016 financial year was $61,500. In addition, the employer contributes 9.25% of her gross salary into a personal superannuation fund. Ms Adams' total tax liability for 2016 was $11,411. In addition, she received non-taxable rental income of $150 and tax-free interest income of $110.

Ms Adams has contributed $4,200 to her personal superannuation account. She paid union fees of 1% of her gross salary and $900 in healthcare expenses. Ms. Adams' household and entertainment expenses were $10,250 and $7,500 in 2016, respectively. Also, Ms Adams paid $13,700 against her mortgage loan and another $9,000 for a credit card loan.

Ms Adams owns her home which is worth $525,000. A month ago, her contents were valued by her insurer for $100,000. Furthermore, she has a car worth $21,000 and a savings account balance of $6,000. Her accumulated superannuation balance as of the end of 2016 was $145,000. The outstanding balances on her mortgage loan and credit card were $325,000 and $15,000, respectively.

Using the above financial data, prepare the following information for Ms Rae Adams:

1. personal balance sheet;
2. personal cash flow statement;
3. Net Worth Ratio;
4. Quick Ratio;
5. Savings Ratio;
6. Debt Service Ratio.