Don't try to do this online

Even good sites may have certain tools that aren't so hot. Some sites may make you poorer. And sometimes the problem is you.

5 of 9

Looking for stock tips

• The 20 best money Web sites

Don't: Take investing advice from Yahoo Finance message boards.

Using a stock tip from "MSFTMan47" may cost you dearly. The discussion is usually more hype than substance.

Instead: Check out the forum Bogleheads.org. Many participants are investing pros who dish out sensible, low-cost buy-and-hold advice.

NEXT: Buying a car

Last updated February 22 2010: 6:17 PM ET

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