11. What is a no-load fund as compared to a load fund? What is the best choice? (2 points) 12. What are requirements to be entitled to social security benefits? How long do you have to work? What age do you have to be? When are you able to receive benefits if you have not worked? (3 points) 13. With respect to tax-sheltered retirement accounts, what is an early withdrawal? AND, Name two consequences of an early withdrawal. [Note: The answer is not "early withdrawal is when you withdraw money early") (3 points) 14. Name and explain two methods to transfer property at death that avoids using a Will. (4 points)