Life's real financial struggles are not about chasing yields, finding the right mutual fund or when to buy gold, they are about the curve balls fate throws us and our loved ones.

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When it comes to bonds for example the pundits will eventually be proved right and yields will go up.

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But right now, thanks to the Bernanke Put that is pushing bond rates to epic lows, many utilities have dividend yields higher than investment-grade bond yields.

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They described it as investments that "look right and feel right": The numbers had to be there--low price-to-earnings ratios and high dividend yields--but so did the intangibles like the company culture, mission and the integrity of its leaders.

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