11.   If you need monthly income, she suggests setting up a check-a-month withdrawal program.

12.   Investors who need income should resist the temptation to speculate on interest rate trends.

13.   It should be relatively easy to figure out how much income you will need from your investments in the next year.

14.   Most people also need income from savings and investment.

15.   Others need extra income.

16.   So if you need more income, you might examine those positions to determine how painful a sale might be.

17.   Stay out of the stock market, which offers high average returns over long periods but also carries volatility that is intolerable for the investor who needs income.

18.   The family needed his income.

19.   The government pays interest on I Bonds only when they are cashed out, so this is not a good investment for people who need investment income now.

20.   The lawyers say the city, which needs the income, does not worry about a few bad tickets.