Some of the most essential actions involve being aggressive and disciplined with yourself to stay invested. There may be smart decisions you have already made but may now be questioning. I know many of your thoughts will be negative to the point you are saying to yourself hay, there is no point in going forward with these investments for retirement as long as the markets are down. This would be a colossal mistake. Now is an unbelievably smart time to invest for retirement. There is to be no curling up in a fetal position on the sofa in 2011. Praying or assuming everything will be okay with no actions taken is a huge no as well. Answers to your money problems in these troubled times are not going to fall in your lap. There is absolutely no assuming that there is a government bailout or Wall Street rally right around the corner that will fix everything for you without any drive and effort on your part. You will have to hop out of bed or get off the couch and take charge of your financial life in 2011. Make that dedication this year and you will construct a firm financial foundation that you are able to remain firm when everything around you is falling apart. As we carry on clawing our way out of the credit crisis while dealing with the economic recession. I ask you to be able to look at and see the larger picture. While these are harsh times, our economy will come together sooner or later. Our markets will recover. We will all survive. I would like to be very clear. The recovery is not going to be quick or easy by any means. Our economic system is like a patient who was raced to the infirmary in critical condition. The patient will enter a rehabilitation facility and start to return to his or her normal state of health. A constitution in which law making power is delegated or entrusted to a small number of citizens makes the task of judging the nature of laws more complex, for we immediately become concerned not just with the merits of the particular law per se, but also with the merits of those laws which determine the way that legislators are selected and the ways that they behave during the law making process. Might we question the democratic basis of every law country A enacted if some electoral districts contained twice as many electors as others, but still returned only one member? Or to revisit a familiar question, if unemployed people were not permitted to vote? Might we also feel uneasy about the law making process if we learned that many seats in the legislature had been contested