The One Step S.V.T. urine adulterant test strip is a semi-quantitative, color comparison screen for the detection of creatinine, nitrite, glutaraldehyde, pH, specific gravity, and oxidants/pyridinium chlorochromate (PCC) in human urine.
IRA Contributions. The absolute limit on IRA contributions, as of 2013, is $5,500, or $6,500 for those age 50 and above. A secondary limit is that you can only contribute compensation -- money you earn from work. Even if you've worked for years to earn Social Security, that doesn't count.
If you are self-employed and qualify for a SEP-IRA then you may contribute the lesser of $53,000 or 25% of your total compensation minus the self-employment tax. That means you may contribute more to a SEP IRA than a traditional IRA as long as you make more than approximately $22,000 (IRA limit of $5,500/25%). This higher cap provides you more flexibility in how much you can save in a given year for retirement.