What is the individuals liquidity ratio if he has the following assets listed on her personal financial statements: Cash of $3,000; Marketable Securities of $15,000; Investment Real Estate of $500,000; Cash Surrender Value of Life Insurance of $10,000; and other Personal Assets of $220,000? Next, for the sale of assets that generates capital gains or losses, what should a business banker determine when developing a personal cash flow?

1) 2.4%

2) 3.7%

3) 6.4%

4) 37%

Whether (a) added debt will require too much of current income, the (b) accumulated depreciation taken on the asset, (c) the proceeds net of any debt repaid, or (d) the marketability of assets?