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.
Because the IRS limits the amount of money you can contribute to your Roth IRA each year. If you squander it on unnecessary Roth IRA fees, you can never put it back. For instance, most people have a maximum annual Roth IRA contribution limit of $5,000. If you needlessly spend an extra $50 per year on investment costs, this constitutes a full 1% of your annual contribution. And 1% can add up to a lot over time.