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that can be sold or converted to buy food or shelter. See § 3.4.7 of this Part for treatment of income. i. Interest, dividends and certain royalties. Dividends and interest are returns on capital investments, such as stocks, bonds, or savings accounts. Royalties are compensation paid to the owner for the use of property, usually copyrighted material or natural resources. Such payments are countable as any income earned on resources unless specifically treated as non-countable under § 3.6 of this Part. j. Irregular or infrequent lump sum. Unearned lump sum income that comes from an individual, organization, or investment if over thirty dollars ($30.00) in a calendar quarter is counted. Treatment of lump sum income more generally is located in § 3.4.5 of this Part. k. Net rental income. Net rental unearned income counts when the person spends an average of less than ten (10) hours per week maintaining or managing the property. l. Regular and frequent gift income. Unearned income from gifts counts when receipt occurs on a continual basis, at expected intervals such as monthly, or periodically on an irregular basis. m. Retirement, Survivor's, and Disability Insurance (RSDI). Monthly RSDI payments are countable as are other pensions and retirement pensions. The amount of any premiums deducted from RSDI for the optional Supplemental Medical Insurance (SMI) under Medicare are also counted. n. Retroactive RSDI. Lump sum payments are counted in the month received. See § 3.4.5 of this Part for information on the treatment of lump sum income more generally. o. Severance pay. Countable as unearned income only when it is not based on accrued leave time. p. Spousal maintenance or allowance. q. Student financial aid, in the following situations: (1) Distributions from a Coverdell Educational Savings Accounts are counted ONLY if not used or set aside for qualified educational expenses. (2) Scholarships, grants, and fellowships. Unless authorized by Title IV of the Higher Education Act (HEA) of 1965, Pub. Law 89-329, or the Bureau of Indian Affairs (BIA), grants,