How likely are you going to be insolvent?

Just five simple questions and you total up the stars:-

1. My OD/Moneyline with Bank/Credit Card Balance
* Zero Balance (Not owing money)
** Balance < My monthly Pay
**** Balance > My monthly Pay
***** Fully Ulitised

2. My Equity Investment Strategy
* Paid up all in cash
*** Use some margin account
**** Contra Trading + Some margins
***** Nearly/Fully Ulitised margin account
***** CFD, Futures

3. Property
* All paid up/NIL
** One, monthly instalment about <35% of income
*** One, monthly installment above 35% of income
**** More than one, less than 50% of total loan outstanding
**** Use Mortgage OD Facility
***** More than one, more than 50% of total loan outstanding

4. Other Loans (You may select more than one)
* Car loan >50% paid up
** Car loan <50% paid up
** Education Loan
*** Furniture/Shopping Instalments
**** Renovation Loan

5. My monthly cashflow
* Net savings >20% of my monthly pay
** Breakeven
*** Volatile (Positive & Negative) Eg. Commission Based
**** Jobless
***** Negative

<8 Stars: When the market collapse, you are always ready to bargain hunt.
9-14 Stars: Perhaps most people should fall into this category.
15-18 Stars: It takes minimal effort to lower your financial risks to a manageable level.
19-23 Stars: Risky, You have minimum shelter from any financial turmoils. Try to adjust some risky factors.
>24 Stars: Very risky, please strongly consider to do something about it.