Cash Flow for Year Ended 30 June 2003CASH INFLOWSalary 100,000 Less: Income Tax 11,000 EPF 11,000 Total Inflow 78,000 CASH OUTFLOWHousehold… 28,000 Club 1,000 Clothing 1,800 Rates & taxes 1,000 Car expenses 7,000 Medical expenses 1,500 Gift 1,000 Holiday & travel 3,700 Total outflow 45,000 Net Cash Flow 33,000

Net Worth Statement as at 1 July 2003ASSETSHome 480,000.00 Personal effects 25,000.00 Car 50,000.00 EPF 500,000.00 Unit Trust 60,000.00 Shares 10,000.00 F. Deposits 85,000.00 Savings 8,000.00 Surrent A/C 15,000.00 Total Assets 1,233,000.00 LIABILITYMortgate loan 71,387.00 Car loan 6,861.00 Total Liabilities 78,248.00

NET WORTH 1,154,752.00