It seems like everyone from bloggers to your next-door neighbors doles out financial advice these days. It can be difficult figuring out who to believe, and bad tips can pop up as frequently as thunderstorms in the summertime. In fact, some seemingly sensible advice can turn out to be a bad idea of the highest magnitude, and some “conventional wisdom” really isn’t. Even widely held beliefs can turn out to be clunkers, as this roundup from financial experts illustrates.