First-time buyer courses help buyers receive information that will prepare them to purchase a home. According to a 2009 study by the U.S. Department of Housing and Urban Development, 35 percent of those who attended first-time buyer courses bought a home within 18 months of completing the education.
Contribution Limits. As of 2013 you can contribute up to $5,500 each year to your Roth IRA, rising to $6,500 starting at age 50. You can make the full Roth contribution if you earn between $5,500 and $112,000 annually if single, or between $11,000 and $178,000 if married filing jointly.If income falls below or above these limits, you may be allowed to make a partial Roth contribution.ou can make the full Roth contribution if you earn between $5,500 and $112,000 annually if single, or between $11,000 and $178,000 if married filing jointly. If income falls below or above these limits, you may be allowed to make a partial Roth contribution.
There's no legal limit to the number of traditional or Roth individual retirement accounts you can open. There is usually a practical limit, however. You can only donate so much to your IRAs each year: Opening 100 Roth accounts doesn't let you save more money than if you had just one. Maximum Contributions.At time of writing the maximum you can contribute to a Roth or traditional IRA is $5,500 a year, or $6,500 if you're older than 49.That's not per account; it's the total you can contribute to all your IRA accounts combined.f she only makes $2,000 in self-employment income, you can contribute $5,500 to your account and another $3,500 to her Roth. The Internal Revenue Service discusses income limits and other restrictions on funding spousal IRAs in Publication 590.