Human capital is:

A. the knowledge and skills workers acquire from education and training or from life experiences
B. the new developments in machinery and software
C. the goods manufactured to produce other goods and services
D. the energy use to bring together the factors of production to produce goods and services

A.-the knowledge and skills workers acquire from education and training or from life experiences.

net worth is the difference between what you own and what you have. if you exceed your liabilities you have a positive net worth. if your liabilities are greater than your assets you have a negative net worth. its a snapshot of your financial situation. if you calculate your net worth you will see the end result of everything you've earned and spent as of now. net worth statements and all you asked of can you determine where you are, how to get where you want to be, if your spending   to much. honestly it can tell you a lot of things. i can go on, but you can paint the picture from here.

explanation:

answer; buying the bill at a discount from the face value to be received at maturity;