Cyber community. Look for your neighborhood's Web site for information on shopping, festivals, town hall meetings, and other local interests. If you can't find your town's home on the Internet, take a leadership role in creating it with the help of your neighbors.

Cap and gown. Many community colleges and universities offer e-courses. You never need to step foot on the campus to earn degrees in finance, English, accounting, or whatever else suit your fancy.

Steals and deals. If you're looking for some of the biggest discounts and best selection for anything from electronics to groceries, books to automobiles, the Web is your marketplace.

Cash flow. The Internet can work for you, as well, if you are on the other end of the cash register. The Web provides an unparalleled avenue to sell goods. It can link you to interested buyers if you're only looking to unload a few knickknacks to unclutter your home. If you have enough stuff to open a garage sale, you can do that, too, without time or space constraints. Or try your hand at a full-time online business if you get bit by the entrepreneurial bug.

The Internet can open up the outside world to you for all of these benefits, but you need the right set of keys to open the door. Your first "key" is the type of Internet access you use. You'll need to weigh your budget versus how fast you want to navigate on the Web. Cable and DSL hook ups provide zippy access but can cut into your profit margins. Dial up, on the other, can be cheap or even free, but can slow down your productivity.