1 Converting nondeductible IRA contributions to a Roth: Since 2010, high earners otherwise not eligible to make Roth contributions can make nondeductible contributions to a traditional IRA and then convert those amounts to a Roth.
Pond Ecosystem An ecosystem is a dynamic complex of plant, animal, and microorganism communities and the nonliving environment, interacting as a functional unit. Remember that the organisms living in an ecosystem are broken down into categories: producers, consumers, and decomposers.
Citation: Hoverman, J. T. & Johnson, P. T.J. (2012) Ponds and Lakes: A Journey Through the Life Aquatic. Nature Education Knowledge 3(6):17. While accounting for only 3% of the Earth's surface, lakes and ponds are vital habitats, and provide essential resources for a wide range of species, including humans.