Identify one concept from the Build Your Proficiency diagnostic from Chapters 3 and 4 that you scored lowest in

Identify one concept from the Build Your Proficiency diagnostic from Chapters 3 and 4 that you scored lowest in. How might this concept be important to your personal finances? Why would you want to know more about this? My performance was a 1/4. ive attach the reading that goes with this.... the stuff i scored low on was on chapter 3.5: Select appropriate tools for dealing with cash management problems, and protect yourself from identity theft.

SUMMARY

Dealing with cash management and identity theft problems will often cost you time and money, so it's important to take steps to reduce your risk.Cash management problems can result from your own errors, as in the case of overdrafts and late payments, or they can be due to the carelessness or intentional actions of others, as when you receive a bad check.Financial institutions offer various services to help with cash management problems, including overdraft protection, stop payment orders, and wire transfer.Identity theft occurs when someone uses your personal or financial information to commit fraud or other crimes.

1. Have you tracked your expenses to identify variances? If so, what method did you use? If not, what would be the benefit of doing so?
2. In the Wk 2 Learning Path in WileyPLUS, use the Personal Financial Planning Worksheet 3.4: Evaluating Financial Service Providers to compare two financial institutions. What did you find? What is most important to you in this evaluation