ted riley owns a vehicle worth $20,000 and a home worth $230,000. he has a checking account balance of $1,000, a savings account balance of $1,000, and a mutual fund worth $75,000. his personal assets are worth $100,000. he still owes $10,000 on his car, $101,000 on his home, and $1,000 on his credit card. what is ted's net worth?