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.
IRA Contribution Limit. After age 50, you can put no more than $6,000 per year in your IRA(s). As regards contributions, the IRS sees all IRAs as one IRA. So if you have two IRAs, you can, for example, contribute $4,000 to one and $2,000 to the other.In addition, you can contribute no more than you earn. If you earn only $3,000 doing part-time work after retirement, for example, you can contribute only $3,000 that year.s regards contributions, the IRS sees all IRAs as one IRA. So if you have two IRAs, you can, for example, contribute $4,000 to one and $2,000 to the other. In addition, you can contribute no more than you earn.