Just a quickie to point you to a great "tell it like it is" article at the Huffington post. Link below:
The short version: before taking "expert" advice, check their shoes . . . and their motivations. I'll repeat it again: the only person who truly has your best interests at heart is YOU. Everyone else has some other axe to grind. Once in awhile you might luck out and find an "expert" whose goals are aligned with yours, but don't hold your breath.