true or false with explanation

1. Saving deposit is regarded as the safest investment as there is no risk of losing the capital.

2. Financial advisers generally suggest mortgage payments plus other loan payments not to exceed 53 percent of your monthly disposable income.

3. A saving with positive interest can increase the value of your wealth but not necessarily improve your living standard.

4. As the interest rates on credit card are typically highest among all types of loans, we should avoid making payment with it.