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.
Ecosystems are not closed; in fact, an ecosystem's boundaries are usually fuzzy. A pond, for example, blends little by little into marsh, and then into a mixture of open meadow and brush. A stream brings nutrients and organisms from a nearby forest and carries away materials to other ecosystems.