(MONEY Magazine) – -- Don't be suckered out of your savings by a radio talk show host whose seemingly unbiased investment advice is a masked ad for his financial services. Warning signs: his tips are remarkably similar for each caller; he frequently invites listeners to attend his seminars or visit his office to become a client; and a guest appears on the same show as a commercial for his company. Page 83 -- Stick to single-state bond funds with portfolios insured against default by leading municipal bond insurers such as MBIA and AMBAC. While insurance costs can lower the yield by a quarter of a percentage point or so, the extra credit protection usually pays for itself in today's recession-whipped market. Page 47 -- Score big as the economy recovers by investing now in cyclical industries such as steel, chemicals and paper. Many of the stocks in this sector still lag the market, but just wait: after the 1981-82 recession, cyclicals posted a 100% gain in 17 months. Among the stocks analysts favor: U.S. Steel (recent price: $24.75), General Motors ($38.25) and Du Pont ($43.50). Page 71 -- Go for the green -- with socially responsible investments that make money too. Many corporate characteristics valued by ethical funds like Pax World (up 22.4% over the past year; 800-767-1729) are also sound stock-picking criteria. Examples: companies sensitive to the environment tend to avoid liability suits; those with progressive personnel policies retain skilled workers. Page 130