please help w homework

Monthly expenses =$4,000 Monthly gross income (after taxes) =$5,500 Savings Account Value =$6,000 Total Assets (excluding house) =$120,000 Total Liabilities (excluding mortgage) =$20,000 How would you interpret the Debt-to-Equity Ratio for this individual? The Debt-to-Equity Ratio for this individual is at an appropriate level. The Debt-to-Equity is higher than the benchmark rule. The total liabilities for this individual is too high relative to the individual's net Which of the following activities is a good method for building a strong credit history? Avoiding all debt liabilities such as credit cards and loans. Keeping monthly bills in your name and paying them on time. Maintaining a credit card and paying any balances in full. Both b. and c. above