Providing food for predators: Earthworms, like all creatures, are part of food webs. Birds are well known predators, but native earthworms are also food for endangered and endemic land snails. Earthworm benefits to humans. New Zealand scientists have had a unique opportunity as far as earthworm research is concerned.
For details, see more on Roth IRA conversions). For 2015, you can contribute the maximum $5,500 to a Roth IRA ($6,500 if you are age 50 or older by the end of the year) if you are single or the single head of a household and your modified adjusted gross income (MAGI) is less than $164,000.ne caveat: If you earn less than the maximum contribution limit, you can contribute only as much as you earned. So if, (for example, you earned just $3,000, you could contribute only $3,000 to a Roth IRA for the year.
Basically, a Roth IRA lets your money grow tax-free, and once you retire, withdrawals are tax-free as well. But to open and directly contribute the full annual limit to a Roth IRA, your annual income needs to be less than $114,000 if you're a single taxpayer or $181,000 for a married couple.However, as with a lot of situations involving taxation, there is a way around this rule.hile there is an income limit for making a tax-deductible contribution to a traditional IRA, anyone can make a nondeductible contribution, regardless of income level. So if you don't qualify to make a contribution to a Roth IRA, go ahead and make a contribution to a traditional account.