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.
Freshwater ecosystems are a subset of Earth's aquatic ecosystems. They include lakes and ponds, rivers, streams, springs, and wetlands. They can be contrasted with marine ecosystems, which have a larger salt content. Freshwater habitats can be classified by different factors, including temperature, light penetration, and vegetation. Freshwater ecosystems can be divided into lentic ecosystems (still water) and lotic ecosystems (flowing water). Limnology (and its branch freshwater biology) is a study about freshwater ecosystems.