FIXING RETIREMENT PLANS

If your mood turns sour everytime you look at your 401(k) statements,the bad news is that there'sno quick cure. But you can takesome steps to put some life backinto that sickly retirement plan,thanks to Uncle Sam. New rules on401(k) contributions let you put asmuch as $12,000 a year into theplan, up from $11,000 last year. Ifyou're over age 50, you can sockaway an additional $2000 this year.Most financial gurus are tellingclients that using the higher 401(k)contribution limits to repair retirementaccount damage, especially ifan employer matches all or part ofwhat you kick in, is a better way toa healthier plan than chasing hotstocks or funds.