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.
Latent trait theories hold that some underlying condition present at birth or soon after controls behavior. Suspect traits include low IQ, impulsivity, and personality structure. This underlying trait explains the continuity of offending because, once present, it remains with a person throughout his or her life.