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.
There are limits to how much money you can contribute to a Roth IRA. For 2014, you can contribute up to $5,500, or $6,500 if youâre over 50. Contribute any more than that, and the IRS will tax you on an excess IRA contribution.A 401(k), on the other hand, allows you to contribute up to $17,500.or example, if you add $5,000 of your own money to a Roth IRA and your investments earn $6,000, you can withdraw up to $5,000 â the amount you put in. This can be really important, especially if you need to access that money in the event of an emergency.