True or false, . an offer never has to be communicated.

An offer never has to be communicated. False.
The offer is the part of a Dealt. The person who has produce the offer is called the offeror, and the person to whom the offer is makes is called the offeror. Offer is a proffer offered by the offeror and offeree.

larger long-term credit or loan costs

increased long-term challenges

less preparation for emergencies

Explanation:

Personal finance is the practice of planning and managing individual and household finances to achieve short term and long term financial objectives. It takes into account current and expected future earnings. Plans are made to suit current and anticipated expenditures and attain desired investments.

An individual with sound personal finance will make adequate preparations to cater for emergencies should they arise. He or she has plans for short term and long term investment projects. Good personal finance eliminates the need to take up expensive debts to finance consumption or investment expenditure.