For investors adding dividends, A. Michael Lipper, president of Lipper Advisory Services in Summit, N.

WSJ: Investing Lessons From in the 1950s

Investors who want to stick with high yield should look for less-aggressive fare, says Jeff Feldman of Rochester Financial Services in Pittsford, N.

WSJ: Is It Time to Trash Junk Bonds?

This will become a rout as new Web middlemen, or "demand aggregators, " let solo Web surfers gang up into virtual buying co-ops. n Turning services into software.

FORBES: Digital rules