21.   Brown also dispenses plenty of free advice, both over the Web and with direct e-mails.

22.   But the number of companies offering free advice is growing.

23.   But they also offer free on-line advice in publicly posted messages.

24.   Buyers get a guarantee of authenticity and free advice from experts, but aside from that, auctions are an ever-more-expensive luxury.

25.   Camp counselors provide free advice because, like travel agents, they are paid by the program organizers.

26.   Each team was given a new Chevrolet Suburban, modest financial backing, and free expert advice.

27.   Even so, most telecommuters would appreciate some free advice.

28.   Financial services companies acknowledge that one reason for offering free advice is to encourage investors to walk in the door and do business with them.

29.   Fortunately, there is free advice available by telephone.

30.   Free advice also is potentially harmful if you lack the experience and skills necessary to distinguish a sales pitch from a sound financial recommendation.