A SEP IRA (Simplified Employee Pension) is a retirement plan that is popular with many small business owners and self employed individuals. The 2015 SEP IRA contribution limit is $53,000 (the 2014 SEP limit is $52,000).
Meanwhile, other studies suggest that another gene, DRD4, may also play a role in traits such as shyness and anxiety. The DRD4 gene codes for a protein that binds dopamine, another chemical messenger that has powerful effects in the brain. Again, the DRD4 gene comes in two forms: a long and a short version.
The Y chromosome carries very few genes for nonsexual traits; these few (including one for hairy ears) are called holandric genes. Certain inherited characteristics comprise X-linked traits, so called because a single X chromosome occurs in males. A recessive characteristic, e.g., when a gene leads to the expression of a disease such as hemophilia, may locate on the X sex chromosome in males and thus appear in that family.