Many investors have rightfully asked  Is this the beginning of a bull market rally or just a bounce from the devastation weve sufferred over the last 9 months.  Do we first have to retest the November 08 lows or did the March 09 lows already do that?
  
Theres perhaps nothing worse for ones confidence whether youre an investor or an advisor to have lost
20, 30 ,even 40% of your investments  or more over the last year and then to get back into the market only to have it trick you again with a new bear market correction.
 
So what can we do to protect ourselves and the money we have left from further losses.  Some people say