Getting Real: This online community for teenagers lets them discuss all the topics that interest them as freely as possible. It has a true international flavor and is put together by a bunch of young people with a positive, healthy outlook on life. Music, art, literature, romance, health... just about every subject gets treated from the adolescent's perspective, and most of the topics are treated more intelligently than you'd expect from the average community of fun-seeking teens. The 'Horoscopes' and 'Games' sections should please the more frivolous, and the 'Love Advice' link (probably the most popular feature here) deals with everything from failed relationships to flirting. The site is somewhat dull-looking but its laidback character should captivate serious-minded teens.

The Motley Fool: Are your finances in a mess? Still having problems saving to buy a house or a car? Thinking of getting into the stock market? Need help with your retirement plan? Well, this is one of the most helpful onlines resources to visit for having these and other investment and financial questions answered. And the light-hearted and basic approach it takes to the subject ('Educate, amuse, Enrich' is its mission statement) is highly refreshing and reassuring. Also, the fact that most of the people who provide the pointers speak from personal experience rather than from an expert's perspective gives the discussions real-world credibility. The main page is a bit cluttered but the information is neatly sectionalized. The introductory features -- '13 Steps to Investing', 'My Finance Guide' etc -- prime you well for the topics you'll encounter in such sections as 'Our Investing Strategies', 'Mutual Funds', 'Retirement', ' 'Debt & Savings' and 'Taxes'. The site may be American but most of the features will be relevant to anyone anywhere looking for investment advice.

Lawyers.com: If you need basic legal information on a wide range of topics (employment, bankruptcy, health, taxation etc), this is one of the first places in cyberspace you should visit. It explains things in the kind of language you'll understand without having to grab your dictionary after every sentence. The interactive 'Ask a Lawyer' forum is excellent. Sample questions: 'Does my ex-husband's wife have any claim to the proceeds of his life insurance policy?', 'Who can I sue when involved in an auto accident?' The 'Hiring a Lawyer' and 'Legal Resources' sections also contain plenty of information for the layman. Lawyers will also find the site useful as it has the latest law news ('Law Today') and a message board section ('Law Talk') for discussions on specific legal topics. The 'Locate a Lawyer' database, which has profiles of more than 400,000 laywers worldwide, is also a great feature. You can actually search for legal eagles by country and area. It's an easily navigable site that loads up fast and has a pleasing look.

Lovingyou.com: If you're in love or dying to spice up your love life, check out this tasteful, smut-free site. It not only offers ideas on making romantic relationships more meaningful but also has plenty of information on how to take them to a higher level. Of course, there're the usual advice 'Channels' where you can get a feel of everything from "flower meanings" to writing love poems. And such topics as 'How to know when it's over?' deal with romantic complications in a way most intelligent people will find insightful and inoffensive. There are sex tips as well, but they're more practical than prurient. Definitely something you should check out if you want to be a creative lover!

Split-Up.com: A site to help people deal with divorce, Split-Up.com contains all the hard information that married couples who separate usually don't want to know but still have to face up to at one point or another. All the important issues are handled in a sympathetic but practical manner, and sections like 'Life Issues'("the stress, the anger, the decisions, the questions", 'Legal Issues' ("custody, alimony, property division, legal process" and 'Financial Issues' ("budgeting, debts, the home") are full of excellent advice on touchy topics. There's also a free sofware that helps you to calculate your finances, and a directory of professionals links you to experts who may be able to help you with specific problems. And the 'Discussion Groups' section lets you share your thoughts with others who're going through a divorce. The site, which is US-based but has a universal appeal, features a simple, effective layout.

WorkingWounded.com: Unhappy with your present job but don't have the guts to quit? Hate your slave-driver boss and your unsympathetic colleagues? Then you'll feel perfectly at home at WorkingWounded.com, a place where you can learn to add "insight to injury". It's not only full of Dilbert-inspired solutions to problems in the office but also offers some great ideas for pranks and other mad schemes that may just lift you from the work-induced depression you're mired in. You also get plenty of tips on tricks to make your boss think you're a model employee and generally make your work environment more fun-filled. You can actually get a truly positive vibe from the immense sense of community that prevails at this site. It's brilliantly designed with animated characters in cubicles whose condition you can immediately relate to.

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