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.
Roth IRA Contribution Limits for Individuals Under 50. Individuals who are under 50 years old may contribute $5,500 to an IRA. This amount is the maximum you may deposit per year across all IRAs you may have with multiple providers, including both Traditional or Roth IRAs. For example, you could contribute $2,500 to a Roth IRA with one provider and $3,000 with a second provider. You cannot contribute $5,500 to the first Roth IRA and $5,500 to the second provider. Your total contribution limit is $5,500 for all accounts for the tax year.