51.   Media buyers, who advise clients about how to spend their advertising budget, tend to agree.

52.   Morgan Stanley Asia Ltd. advised clients to reduce Hong Kong and Thai investments, citing a likely interest rate rise in the U.S.

53.   Nevertheless, seven people who advise clients on how to shape their investment portfolios still expect good things to happen this year.

54.   Not only do real estate agents lack the education to advise clients on such issues, he said, but they also are barred by law from doing so.

55.   One type is the mutual fund wrap, in which a consultant advises clients on how best to spread their investments across a slate of funds.

56.   Parenting coaches advise clients in person, over the phone or on the Internet.

57.   Professional trial consultants advise clients on how to project the right appearance in the media and in the courtroom, he said.

58.   Robin Gorman Newman, founder of LoveCoach.Com, a Web site for romance seekers, often advises clients on how to start conversations while riding public transit.

59.   She does color analysis, makeup, wardrobe consultation, personal shopping, advises clients about hair, glasses, jewelry.

60.   She advises clients to accompany their tax pro to the first session at least, though they can let their accountant answer the questions.