Many individual investors panicked during the 2008 market meltdown and have maintained a siege mentality ever since.  Reasons to be afraid are abundant: European crises, debt monsters, and a dysfunctional Congress are just a few of the more obvious ones.  But the stock market has seemingly ignored these negatives and has erratically rallied for four years and is now at more than twice the value of its low point during the crash. Read the rest of this entry »