SUGGESTIONS to increase your money:

"Most people know the Roth IRA is a great retirement tool, but it's even more valuable for estate planning," says Worth magazine. "Roth assets are included in your estate but, unlike the beneficiary of a regular IRA, a Roth beneficiary avoids income taxes after estate taxes are paid. The Roth creates a powerful method of moving assets from one generation to another."

"If inflation worries you, buy Treasury inflation-indexed bonds," says Kiplinger Finance Adviser. "They're attractive for risk-free yields and built-in inflation protection. Returns come from the coupon rate, now a bit under 4 percent, plus a semiannual increase in the bond's principal based on the CPI. As the bond's value rises with inflation, the coupon payment moves higher, too."

"To realize tax savings of retirement plans, spend less than you earn. Only then can you contribute to these plans. The big mistake people make is not taking advantage of retirement programs at a younger age. The sooner you start, the faster your money grows because your contributions have more years to compound." (Eric Tyson, financial writer)

WALL STREET WATCH: "Most popular stocks among 10-year market-beating newsletters are Biogen Inc. and Dell Computer Corp." (Hulbert Financial Digest)