body: How can one give advice that he or she thinks is correct without incurring legal liability from possible negative effects of the advice? Is there some phrase that can be used for that? Something like "I don't take responsibility for this advice. I'm just expressing my personal opinion."?
  
  
  Does this matter if it's done in a blog or personally? If the clause is on a blog's TOS or on every page? If the advisor is an expert in the field he or she is advising about?
  
  
  
title: How can one give advice without risk?