What To Do: March 2004

(MONEY Magazine) – -- Make your 2003 IRA contribution The maximum amount that you can stash away in an IRA by April 15 is $3,000; the limit is $3,500 for those age 50 or over.

-- Apply for college financial aid Some state programs have early March deadlines for the Free Application for Federal Student Aid. Fill it out online at fafsa.ed.gov.

-- Plan now for the Summer Olympics For tickets to the Aug. 13-29 games in Greece, skip the lame official website (athens2004.com) and go to U.S. ticket seller cartan.com.

-- Consider a refi If your rate is at least a percentage point above the 30-year fixed-rate average (5.8% on Jan. 30), it can pay to refinance. Do the math at money.com/tools.

-- Start seeding Save by germinating seeds inside. Seedsavers.org sells 25-seed packets of Brandywine tomatoes for $2.50; a single starter plant will cost twice that.

-- Book a summer camp The website aca-camps.org lists 2,300 accredited camps. Ideal camper-to-counselor ratio: 6-1, ages seven to eight; 8-1, ages nine through 14.