It’s amazing how resilient the human spirit is, we have survived the worst economic crisis since the great depression, and we still wake up everyday to go out there and eke out a living. I think this is one of the qualities of the human being that gives us the strength to get up, dust ourselves and keep moving forward towards our goal. Like the way the Americans were able to overcome the difficult and tragic event of 9/11, that’s the same resilience we need to overcome this financial crisis, and just like the Americans did to make sure that the events of that day do not happen ever again, they implemented measures to prevent such a catastrophe, that’s also what we need to do. Although I’d like to think that the same will be done about this crisis, I can’t help but wander whether man will ever be able to conquer the one quality that I can say is responsible for many of the worst calamities in the financial arena, and that is GREED. When the financial crisis was at its peak, Alan Greenspan was asked by a CNBC reporter whether there is anything the world has learned from this financial meltdown. His response sent a chill down my spine, he said we may come up with all the all the laws we can enact, but those can do so much, and that no matter what we do, we are going to have another financial crisis some time in the future! His reason was a simple answer, HUMAN GREED and there is no enacted law that can control this. My conclusion was that YOU are responsible for YOUR destiny, and therefore YOU should implement measures that will cushion YOU against any future financial calamity that is going to happen. TAKE CHARGE OF YOUR FINANCIAL AFFAIRS!