1 Converting nondeductible IRA contributions to a Roth: Since 2010, high earners otherwise not eligible to make Roth contributions can make nondeductible contributions to a traditional IRA and then convert those amounts to a Roth.
Pond Ecosystem An ecosystem is a dynamic complex of plant, animal, and microorganism communities and the nonliving environment, interacting as a functional unit. Remember that the organisms living in an ecosystem are broken down into categories: producers, consumers, and decomposers.
Freshwater ponds provide a home for a wide variety of aquatic and semi-aquatic plants, insects, and animals. The vast majority of pond inhabitants, however, are invisible until viewed under the microscope. Beneath the placid surface of any pond is a microscopic metropolis bustling with activity as tiny bizarre organisms pursue their lives; locomoting, eating, trying not to be eaten, excreting, and reproducing.