If you are not equipped with the right tools, it can be a tough time to be an individual investor. Since the beginning of 2008, the S&P 500 stock index and the Dow Jones Industrial Average are both down by over 14 percent. Further, a CNN/Opinion Research Corporation poll released on July 7, 2008 showed that 75 percent of Americans feel the economy is in a recession. The bear market, combined with these strong recession fears, has caused many investors to abandon the markets to protect their portfolios.