14. From the investment alternatives described in chapters, choose two specific investments that you feel would help an individual who is 35 years old, divorced, and earns $20,000 a year begin an investment program. Assume that this individual has $30,000 that can be invested at this time. As part of your recommendation, compare each of your investment suggestions on the factors of safety, risk, income, growth, and liquidity.

34. How can you determine the amount of disability income insurance you need?