In 1932, in the depths of States' deepest depression, President Roosevelt gave the commencement address at Oglethorpe University: "The country demands bold, persistent experimentation. It is common sense to take a method and try it. If it fails, admit it frankly and try another. But above all, try something." It is human nature to shy away from action in times of uncertainty. While observation, planning and preparation can be helpful. These will not work without action. Here's my list of suggested actions to cope with this financial tsunami:

1. Get up 10 minutes earlier. Use the 10 minutes to plan your day so you can make it run smoother and happier. At least, you won't need to feel so stressed trying to beat the traffic to work. Use one of the 10 minutes to quickly count your blessings.

2. Smile to your fellow human beings who might feel the pressure of this economic climate. Positivity spreads, just like frowning would. We need more positive attitude in every street corner, work place, school and home.

3. Press on with your goals previously set before 18 September 08. You set those goals for a good reason. You might well want to amend these goals. Do so if you have to. Otherwise, continue through. That's the greatest service you can do for yourself and those around you.

4. Don't blame yourself, or your boss, or your spouse, or anyone else for the mess you (and we) are in now. You need the energy and mindset to dig a way out. All these people will help you when you try to help each other.

5. Stay away from alcohol and tranquilizers. These will sooth the pain but make things worse as they don't help you to think clearly. Brain and mind power is the silver bullet to kill the were-wolf in this particular dire situation.

6. Watch your family and friends. They are gifts from heaven for you to enjoy and look after. Love, friendship and ability to help others are what we are all after. Success in career and wealth are often substitutes before we achieve the real thing. Go for what’s more important, especially at this very important time.

7. Look at your life, family and work and think of one new thing to do in each of these areas which can improve the situation and start doing it till it’s accomplished. Then decide on the next one and try again.