A molecule is the smallest particle of a substance that exists independently. Molecules of most elements are made up of only one of atom of that element. Oxygen, along with nitrogen, hydrogen, and chlorine are made up of two atoms. Look at the model of oxygen above.The two balls represents the two oxygen molecules. molecule is the smallest particle of a substance that exists independently. Molecules of most elements are made up of only one of atom of that element. Oxygen, along with nitrogen, hydrogen, and chlorine are made up of two atoms. Look at the model of oxygen above.
A Roth IRA is funded with after-tax money. With a Roth, you pay taxes before you contribute and will only owe taxes on the earnings, not your contributions, when you withdraw money. You can withdraw money without penalty from a traditional IRA once you reach age 59 1/2, and you must begin taking money out at 70 1/2.
This means you can take out your retirement money without penalty, and because Roth earnings are tax-free, you'll have no IRS bill, either. If, however, you opened your Roth IRA less than five years ago, the withdrawal is an early distribution.As with a traditional IRA early withdrawal, a Roth holder can use the first-home exception to avoid the 10 percent penalty but might owe tax on earnings that are withdrawn.his means you can take out your retirement money without penalty, and because Roth earnings are tax-free, you'll have no IRS bill, either. If, however, you opened your Roth IRA less than five years ago, the withdrawal is an early distribution.