To charge an individual cell, there are several options. Here is a couple I use:
This one requires you to build a little "break-out" board. Probably more than you want to do, but it does come in handy.
The next one is far simpler. Just take any high value resistor (I use 1Mohm) and put the leads into the balance plug for the cell you want to charge/discharge. Then, just clip your charge leads to each side of the resistor. This works well because the resistor body helps keep the leads from shorting. But you still have to be really careful.
