NEW MAXIMUMS FOR IRAs

Some twists:

Whether you're putting moneyinto a Roth or a traditional IRA,you can put more in this year.Under the new rules, you can contributeup to $3000, or $3500 ifyou're over age 50. If you're married,your spouse can contributeunder the same rules, which meansyou can kick in as much as $7000between the 2 of you if you qualify. You must have earnedincome to contribute to an IRA,but you can put up to the maximumin a spousal IRA even if yourspouse has little or no wage income.The rules on IRA contributionsare complex, so check out IRSPublication 590 (www.irs.gov) formore information.