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.
You can always contribute to a traditional IRA up to the annual contribution limits as long as you have sufficient compensation or salary. There are income limits dictating whether you can contribute to a Roth IRA. The limits depend on your filing status and your modified adjusted gross income, or MAGI.If you can't contribute directly to a Roth IRA, then you can contribute to a traditional IRA and then perform a Roth IRA conversion.Since your employer has a retirement plan in place, there may also be limits on making tax-deductible contributions to a traditional IRA. This depends on your filing status and MAGI.aving a Roth 401(k) plan at work doesn't limit your ability to contribute to your personal Roth IRA. Depending on your income, however, you may have to fund a traditional IRA and then do a Roth IRA conversion.