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.
Phenotype is the genetic factor that determines the color of a hummingbird. An organism's physical characteristics areincluded in phenotype.ut some genes do not necessarily cause disease, and instead predispose a person to a disease. So these genetic factors determine the fitness of the individual relative to those without those particular genes.