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 habitat is the physical area where the animal or plant lives. An organism's natural habitat has everything it needs to live. A pond is a natural habitat to many different animals, such as fish, birds, snakes, frogs and other small mammals.