Your friend Amber has approached you seeking advice concerning two investment opportunities that she is presently considering. Her classmate Simone has asked her for a loan of $$560$ to help establish a small business; her neighbor Riley would like to borrow $$545$ as a personal loan. One year from now, Amber$$s original investment will be returned in either case, along with $$50$ of income from Simone or $$53$ of income from Riley. Amber can make only one investment.

Required:

Compute the ROI of Simone and Riley.

Which investment would you advise Amber to make?

What other factors should you advise Amber to consider before making either investment?