The people CNNMoney has saluted over the past year for improving others' finances have some more help to offer: sound advice for you.

• <p> <strong>Irving Fradkin</strong><br /> <strong>Founder, Scholarship America</strong><br /> <br /> &quot;If you believe in something, ask for money. You don't ask, you don't get. Ask for $1. Everyone can afford that.&quot;</p> <p> </p> <p> By <a href="http://money.cnn.com/" target="_blank">CNNMoney</a></p>
• <p> <strong>Rosemary Shahan</strong><br /> <strong>Founder, Consumers for Auto Reliability and Safety</strong><br /> <br /> &quot;Don't buy a certified used car. Instead, get your own inspection for $100 and save thousands. The dealers who do the certifying will okay anything with four wheels.&quot;</p> <p> </p> <p> By <a href="http://money.cnn.com/" target="_blank">CNNMoney</a></p>
• <p> <strong>Ann Calahan</strong><br /> <strong>President, Joe's House</strong><br /> <br /> &quot;Many organizations can help if you've received a shattering diagnosis. You can get free or reduced-cost travel, lodging, child care, career advice -- even a wig.&quot;</p> <p> </p> <p> By <a href="http://money.cnn.com/" target="_blank">CNNMoney</a></p>
• <p> <strong>Bonnie Burns</strong><br /> <strong>Policy specialist, California Health Advocates</strong></p> <p> &quot;You must protect a parent's finances when he or she stops driving. Your parent can't get to the doctor or store. If you've had no human contact for days, you're a sitting duck for a salesman at your door.&quot;&nbsp;</p> <p> </p> <p> By <a href="http://money.cnn.com/" target="_blank">CNNMoney</a></p> <p> </p>
• <p> <strong>Helen Karr</strong><br /> <strong>Lawyer, San Francisco district attorney's office</strong><br /> <br /> &quot;Protect your Social Security number, which is on your Medicare card. Make a copy of that card, masking the last four digits, and carry that with you.&quot;</p> <p> </p> <p> By <a href="http://money.cnn.com/" target="_blank">CNNMoney</a></p>
• <p> <strong>Dan Otter</strong><br /> <strong>Co-founder, 403bwise.com </strong><br /> <br /> &quot;Don't buy a house until you can make payments and save for retirement. I bought a home 20 years ago -- in a place I didn't love -- that lost 25% of its value in three years. I had no savings and little power to change my situation.&quot;</p> <p> </p> <p> By <a href="http://money.cnn.com/" target="_blank">CNNMoney</a></p>
• <p> <strong>Dave Carroll</strong><br /> <strong>Maker of &quot;United Breaks Guitars&quot; viral video, customer service champion</strong><br /> <br /> &quot;People I met who are now millionaires told me long ago, 'Slow and steady wins the race.' They had a balanced and long-term approach to investing. Don't always try to hit a home run.&quot;</p> <p> </p> <p> By <a href="http://money.cnn.com/" target="_blank">CNNMoney</a></p>
• <br /><h3> <a href="http://money.cnn.com/gallery/pf/2012/11/23/financial-advice.moneymag/index.html?iid=F_Jump" target="_blank">14 Money heroes: Their best financial advice</a></h3> <p> The people Money has saluted over the past year for improving others' finances have some more help to offer: sound advice for you.</p> <br /> <h3> <a href="http://money.cnn.com/gallery/pf/2012/11/12/seniors-financial-security.moneymag/index.html?iid=F_Jump">4 crusaders fighting for seniors' financial rights</a></h3> <p> These Money heroes are fighting for the financial security and success of seniors.</p> <br /> <h3> <a href="http://money.cnn.com/gallery/pf/2012/10/15/health-care.moneymag/index.html?iid=F_Jump">Watchdogs for health care</a></h3> <p> Meet four Money heroes dedicated to helping other Americans cut their health care costs.</p> <br /> <h3> <a href="http://money.cnn.com/gallery/pf/college/2012/08/31/college-education.moneymag/index.html?iid=F_Jump">Pioneers in college education for all</a></h3> <p> A salute to four people who have made extraordinary efforts to improve access to a college education.</p> <br /> <h3> <a href="http://money.cnn.com/galleries/2012/pf/1203/gallery.military-financial-help.moneymag/?iid=F_Jump">Defenders of military families</a></h3> <p> Meet Money magazine's Heroes, including Holly Petraeus of the Consumer Financial Protection Bureau and four others improving the lives of military families.</p>

• 4 crusaders fighting for seniors' financial rights
• Watchdogs for health care
• Pioneers in college education for all
• Defenders of military families