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36. To determine the cash value of an asset, start with the market value and subtract any expenses incurred to convert it to cash.
37. Personal property held as an investment is an asset according to HUD.
38. When assets are disposed of for less than market value as a result of bankruptcy, or foreclosure, they still must be counted when determining the cash value of the family’s assets.
39. An irrevocable trust that is inaccessible to the family is not an asset according to HUD.
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