1. A method of facilitating the delivery of advice to consumers, comprising: providing a server unit with the ability to store the names or identification of two or more experts, said experts coded by one or more expert characteristics, said server having the ability to detect which experts are online; said server having the ability to display at least one of said expert characteristics with information-rich graphics or symbols; said server having the ability to respond to a consumer's selection of expert by either sending the consumer a means to contact expert or by connecting the consumer and expert for real-time communication; wherein the time-to-connect between consumer and expert is 30 minutes or less.