First-time buyer courses help buyers receive information that will prepare them to purchase a home. According to a 2009 study by the U.S. Department of Housing and Urban Development, 35 percent of those who attended first-time buyer courses bought a home within 18 months of completing the education.
Contribution Limits. As of 2013 you can contribute up to $5,500 each year to your Roth IRA, rising to $6,500 starting at age 50. You can make the full Roth contribution if you earn between $5,500 and $112,000 annually if single, or between $11,000 and $178,000 if married filing jointly.If income falls below or above these limits, you may be allowed to make a partial Roth contribution.ou can make the full Roth contribution if you earn between $5,500 and $112,000 annually if single, or between $11,000 and $178,000 if married filing jointly. If income falls below or above these limits, you may be allowed to make a partial Roth contribution.
Contributions Alone Are Not Enough. If you and your spouse each opened a Roth IRA today, you could contribute a maximum of $5,500 to each Roth every year ($11,000 total). If you were diligent and hit the contribution limit every year for 30 years, you would set aside $165,000 in each Roth IRA ($330,000 total) for retirement.