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.
A small pond is an ecosystem because all the animals and plants in it get almost everything they need without leaving the water. The plants make the oxygen and food that the animals need, and in turn the animals make the nutrients and carbon dioxide that the plants need. A forest could also be seen as an ecosystem. In some parts of the world forests cover vast areas. So do grasslands, oceans, and deserts.